23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

synchrony bank charges a " payment security fee '' on top of interest in the event of a life illness or event to cover minimum payments. Its basically insurance. 

The problem is this is AUTOMATICALLY enrolled when you don't make a full statement payment. No notification, no manual enrollment- and the only way you can cancel it is by calling them so they can be pushy and engage in shady sales tactics. They offer other ways of customer service ( chat ) but do not let you cancel that way. 


My issues are as follows- Deceptive fees and advertisements insurance should be manually enrolled in separate from the application of the credit card, not forced enrolled Cancelation should be possible through all avenues of customer services offered ( ADA violation ) Regardless of the legality of these fees ( I don't think they are or should be ) The CFPB should investigate synchrony anti-consumer behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE : Request for Block of Fraudulent Account Information - Identity Theft Consumer # : XXXX Dispute Case ID : XXXX To Whom It XXXX Concern, I am writing to formally request that the information related to a fraudulent XXXX XXXX  account be permanently blocked from my XXXX XXXX XXXXonsumer report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

I was the victim of identity theft under false identification and coercive circumstances. I have no recollection of what was taking place on my account during the incident in question. I was later made aware that a fraudulent transaction was conducted using my account without my knowledge or consent. You may also review the signature on the deposited check ( s ) in question- it does not match my handwriting or signature style in any way. I did not authorize any of the fraudulent activity or related transactions.

I respectfully request that XXXX XXXX XXXX block this information from my file, as I have submitted documentation attesting to the fraudulent nature of the activity. If necessary, I am also requesting the specific method of verification used to associate me with this account and transaction. 
Thank you for your attention to this matter and for helping me resolve this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

NCB management I disputed XX/XX/XXXX No proof sent Disputed XX/XX/XXXX no proof sent Disputed XX/XX/XXXX no proof sent XXXX deleted equivalent did not
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance XXXX continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need XXXX to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

XXXX also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...
Product: Debt collection

I received a letter from a company called Envision Payment Solutions saying i owed money from two bounced checks. This is a fraudulent claim. They are claiming I wrote to checks to XXXX ( I have no idea who this even is ) two years in a row ( XXXX and XXXX ), EXACTLY one year apart, with two SEQUENTIAL check numbers for the EXACT same amount each year. They are reporting we used checks XXXX and XXXX. This is a new account, I'm not even up that high of a number on my checks. They sent the letter to our old address even though we moved a while ago. 

I do not want to call or email this company because I strongly feel that this is a phishing scam trying to get me to confirm my name, address, and bank account information.
Product: Student loan

I went to the University XXXX XXXX XXXX. Never finished the program, I went for less than a year. My financial aid through Navient is {$34000.00} and still going up.
Product: Checking or savings account

Opened core checking account on XX/XX/XXXX with an offer for {$300.00} new account bonus. The requirements to receive this bonus was to have direct deposits totaling {$4000.00} within 90 days of account opening. This requirement was met on XX/XX/XXXX, with direct deposits from my employer. The terms for the bank was to credit the bonus within 60 days of meeting the requirements. It is approaching 120 days and this bonus has not been credited.
Product: Credit reporting or other personal consumer reports

These items are directly linked to my status as a victim of human trafficking and debt bondage. Their presence on my credit report is unjust and continues to cause further harm. As per federal law, the following reasons justify their immediate removal : XXXXXXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look at attached information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have never apply for this companies, i believe that somebody stole my personal information and applied for this companies.
Product: Credit card or prepaid card

In XX/XX/XXXX, my daughter took a look at her credit and saw that Walmart/Synchrony Bank was on her credit. I knew she was on my Walmart Credit Card, BUT as an authorized user. During that time the credit was issued by GE. 
I called Walmart and was told that she was not an authorized user but a joint user. I did not know this. When I first got this card in XX/XX/XXXX. I do not remember her signing anything. Really she was still a minor at this time. I asked Walmart if they would send me a copy of the credit application that she and I signed. I was told that it would take more then 30 days to find the application. In less than two weeks I received a letter on XX/XX/XXXX, stating that the application was a joint one and they could NOT remove her name. I called again and told them that I needed to actually see where she signed the application. On XX/XX/XXXX, I received a letter stating they could not find the application. They also said that it was paperless. On XX/XX/XXXX I received another letter saying that they needed more time to find the application. Then I got a letter from a XXXX XXXX, on XX/XX/XXXX stating that my daughter and I applied for the credit card on XX/XX/XXXX and entered into a valid agreement with Synchrony Bank. When I paid bills from Walmart the credit was NOT with Synchrony Bank it was with GE. Again, on XX/XX/XXXX, I received another letter stating that it may take them one to two billing cycles to respond to me. 
I just want my daughter 's name to be removed from the bill. A minor does not sign for a credit card. 
I want them to show proof that my daughter indeed signed the credit application with her signature being a joint user. Then I will disappear, BUT if they can not find the document then I want them to take my daughter 's name off my credit card. It seems to me that they do not have the actual application and they put my daughter on my account as a joint user. That was not MY intent! 
It is only fair that they produce this very important document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down living circumstances and other financial services because XXXX and XXXX XXXX eqifax all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm
Product: Debt collection

XXXX XXXX XXXX has been notified several times via phone and mail that they no longer are allowed to contact me. I do not wish to be contacted by US Auto via phone or mail. Any further contact by the company is a direct violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account no. XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A ; section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validate for creditor XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau XXXX XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX and list of Inquiries 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 report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach and my social security number has been compromised. As a result of this. I am a victim of Identity theft and there are fraudulent accounts on my credit report. I filed an Federal Trade Commission Report. I have my Identification attached as proof of my name and address. This information is not information relating to any transaction by me. I also notarized my dispute letter to prove that it is me that sent the dispute.
Product: Debt collection

I am XXXX XXXX. I am requesting a description of the procedure used to verify the name and address of the original creditor attested by a sworn statement by a CEO and/or Vice President of SYNCHRONY under the penalty of perjury. 

You, CEO and/or VP, have 30 days from receipt of this letter to provide this sworn statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX this account was opened fraudulently this is not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : XXXX XXXX. XXXX. 
XXXX 'XXXX XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. 
XXXX. XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX. XXXX XXXX. XXXX 'XXXX XXXX XXXX XXXX. I was instructed to contact the police department locally and FTC, and I've done both.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Credit Collection Services There is a collection on my report in the amount of {$670.00} on my credit report which needs to be removed. 

XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

customer service would not help and take care of the negative inquiries reporting to my credit report. I've sent out two authorized letters to the transunion credit bureau & the creditors in XX/XX/XXXX to all the inquiries seen. 3 from XXXX XXXX dates of inquiries XX/XX/XXXX, XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 3 from XXXX   dates XX/XX/XXXX, & XX/XX/XXXX..XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ...
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX  Account Number:XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Prepaid card

I won XXXXXXXX XXXX and chose an American Express Virtual Rewards gift card. So XXXX XXXX sent me the email with the American Express Virtual Rewards card and the first time I tried it it declined so did the XXXX XXXX XXXX and XXXX time I tried to use it. I have called customer service for the card four times now and they just keep telling me that it's activated and to try again. My account number is as follows American Express Rewards Card XXXX XXXX XXXX XXXX Exp XX/XX/year> XXXX XXXX My information for the card is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Checking or savings account

On XXXX XXXX I filled a complaint ( id : XXXX ) against Citibank with the CFPB stating the following : " My Citibank account has not been accessible for the last six weeks. I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails. '' Citibank responded to my complaint with a letter stating that access to my account had been restored after being restricted. 

Despite Citibank 's claims ( CitibankResponse.png ), I still do not have access to my account. I can not access my account in their web dashboard, nor can I access account statements. 

As you can see in XXXX ( see attached ) my savings account still is not visible through my Citibank dashboard ( although my credit card still appears ). Furthermore, when I navigate to Explore Products->Savings in the dashboard, Citibank 's system does not detect that I already have a savings account, and instead displays an offer to open a new savings account ( XXXX ).