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

I received an alert of potential fraud charges from Citibank on XXXX/21 notifying me of potential unauthorized charges.

I immediately contacted Citibank and notified them of fraudulent activity and cancelled the card. I subsequently examined the transaction record and found more fraudulent charges.

XXXX21: Unauthorized charge at XXXX  XXXX  #XXXX  $XXXX  
XXXX/21: Unauthorized charge at XXXX XXXX  - XXXX  $XXXX  
XXXX/21: XXXX  XXXX  XXXX  $XXXX  
Incident Description
Total the
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. Also 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was hospitalized I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my hospitalization.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXXXXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..
Product: Debt collection

Attached are the images supporting my description of the problem : I received a letter from Diversified Consultants, Inc dated XXXX XXXX XXXX on the XXXX of XXXX XXXX. It said if I did n't contact them within 30 days they " assume the debt was valid ''. 

I called them on XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I refused to give them the phone number I was calling from, my DOB, my SSN, my email, my mailing address or any verifying information other than the account number with their institution. I was told that without additional information they could not help me. 

It is a falsified debt. I refuse to agree to allow them to XXXX from me. This is illegal and against the rights of an ID Theft victim. 

This XXXX XXXX XXXX XXXX' is totally bogus and a scam. Saying I " May '' be eligible for a XXXX} credit card from XXXX XXXX XXXX. " Click here to complete a survey and you may receive ... .. '' These are electronic theft tactics. 

This is the third debt collection agency who has submitted a falsified debt for a " XXXX XXXX XXXX ; however the email from XXXX XXXX XXXX XXXX division, dated XXXX XXXX, the day after I received the email the account was opened, XXXX, which states it is fraudulent if it is NOT sent to an XXXX XXXX XXXX' domain -- - then I do not have an XXXX XXXX XXXX account. They gave explicit instructions and I followed them. I have enclosed the XXXX XXXX XXXX XXXX Department email. Perhaps DCI would be wise to read and follow their instructions for discerning " real '' vs " fake '' XXXX XXXX XXXX accounts in the future before threatening to collect and claim a " debt is valid unless we hear from you in 30 days ''. I hold no malice against XXXX XXXX XXXX. They are a fine XXXX XXXX organisation If I had an XXXX XXXX XXXX XXXX account, the email would NOT have been sent to a XXXX email account. Communication would have been have been sent to an XXXX XXXX XXXX account. That is what I tried to tell DCI when I attempted to make those three XXXX XXXX ) phone calls to save them the embarrassment of being made to look ridiculous and lacking in fiduciary skills. They refused. To fall within their demand of thirty ( 30 ) days, I have no other recourse except to file a complaint as A FALSIFIED DEBT COLLECTION MADE BY A DEBT COLLECTOR against Diversified Consultants , Inc . 

Thank you very much CFPB for providing a vehicle to post and share our experiences so that others can learn and we can learn how to protect ourselves from these greedy people who take advantage of the internet theft and protect ID Theft victims. 

see attached documents.
Product: Credit card or prepaid card

In XX/XX/XXXX, I noticed that I started receiving statements from Synchrony Bank related to a card from them that I had not used for over three years, a card I did not have in my possession. I contacted them at that time by phone, and was assured by a customer service representative that they were going through and cancelling all the charges. Some charges were cancelled, but over {$1000.00} of charges were not. 

In XX/XX/XXXX, I noticed that I was still receiving statements and logged into my account. I sent Synchrony a message via their online portal asking them to resolve the fraudulent charges. 

In XX/XX/XXXX, I noticed I was still receiving statements and went to complain again. I noted that Synchrony had notified me that I needed to call in to start a fraud claim, so I did so : I was on hold for a total of two hours before I was able to get ahold of a fraud agent and begin the fraud claim. I received a form letter informing me that Synchrony was going to temporarily reverse the charges during the fraud and would notify the credit agencies about the fraud. During this call, I requested that my account be cancelled, because I was unhappy with the customer service I'd received over the previous six months. 

Later in XX/XX/XXXX, I was informed by the credit agencies that Synchrony was reporting my account for non-payment, despite the active fraud investigation, and my credit rating dropped as a result. I attempted to log into the Synchrony site to complain, but they have removed my account from display and I have no way to contact them except via phone and excessive hold times. 

On XX/XX/XXXX, Synchrony informed me that they were denying my fraud claim. They claim that I authorized the purchases, that I've made payments on the account, and that I've been receiving statements about the account for over 12 months, all of which are false. I have not authorized any payments to Synchrony bank since these charges were posted, I have only been receiving statements since XXXX or XXXX, and I was in no way involved with these charges being made. 

My card was stolen, I'm a victim of fraud, and Synchrony refuses to recognize that fact. I have many other credit cards with much higher balances, and I have adequate income to make payments on the Synchrony account. Furthermore, Synchrony has locked down access to my account information online, so I can't even provide screenshots of statements to support my case, which is blatantly scummy, anti-consumer behavior.

I value my credit rating more highly than I value a cheap buck at Synchrony 's expense. I have NO MOTIVE for committing fraud against Synchrony, as it would cost me more in interest on future credit than I'd gain from the fraud itself. I refuse to be shaken down by this company for actions taken by a criminal who stole my card, so I'm issuing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021 i entered in an auto loan contract with the seller. pursuant to title 15 usc 1611 the seller willfully and knowingly faild to provide/disclose information required under the provisions of title 15 usc 1601. pursuant to title 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. the seller took cash. Pursuant to title 15 usc 1605 ( a ) ( c ) the transaction included finance charge and the finance charges includes insurance which protects the creditor against the obligors loss and and/or property, the seller did not include my insurance in my finance charge. ive also made a complaint with the OCCC complaint XXXX XXXX CFPB link to upload not working. OCCC complaint has all supporting documents
Product: Credit reporting or other personal consumer reports

This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was breached with my personal info and I have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time Bank of America continues to tell XXXX, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. 
I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting

I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
Product: Credit reporting or other personal consumer reports

Had poor approval for credit cards. And opened up a savings account without authorization.
Product: Credit card

On XX/XX/year>, I logged into my account to update my contact information. It would not allow me to update my XXXX phone number and forced me to call the XXXX number. I was on the phone for almost XXXX minutes and all I got was a bunch of attitude and XXXX service and a lecture about my attitude problem for calling the previous guy an XXXX, which trust me was the edited version of what I wanted to say. In this time, I noticed XXXX of my cards ( Care Credit ) had expired XX/XX/year>, and the company didn't ever bother to send me a new card. The other card is about to expire in XX/XX/year>, so I requested that to be replaced also. The XXXX call center agent, MARKED MY CARD LOST OR STOLEN, because he had an attitude problem and was acting out in a hostile manner and then proceeded to start treating me like a criminal. He tried to force me to click on a link that I was not going to do either.
Product: Credit reporting or other personal consumer reports

I paid two accounts in full and I disputed them on my experian account to show paid in full and they were removed from my account significantly dropping my credit score and I want them back on my report. I have worked hard over 3 years to have a good score and now that they removed them it dropped a high amount.
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX account # XXXX, dept of education/ XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Mortgage

I purchased the house in 2005 for {$30000.00} on a 30 year loan. I have paid on this for over 20 years now. The mortgage has been sold a few times but when this bank purchased the loan, I asked them to send me paperwork showing my balance. They told me to keep paying from the coupon book I had. I asked them several times to send me something showing what I owe. Over the last 4 years they increased my payment. This year I asked them why. They said it was to cover the cost of insurance and property tax increase so I called the county and they said they are not raising taxes this year. I then called my insurance agent and he said he has not raised my insurance in the last 5 years. I am now receiving monthly bills for the house and it shows a balance of {$60000.00}. I have called several times to ask them why there is still so much due when it should be about paid off. They hang up on me or transfer me and I am on hold several minutes. 
I have had XXXX eye XXXX 's this year and am now going to lose my job as a XXXX XXXX   driver as I have lost the sight in my eye. My husband has been XXXX for the last 3 years and so has no income. Every time I call the bank to see what we can do they threaten me with foreclosure and my credit. I am in an XXXX mortgage. 
I called HOPE and talked with a man named XXXX from XXXX. He called the bank and tried to get them to answer questions for me and he found that they did the same thing with him. First they hung up on us, then they put us on hold for XXXX minutes, they came back on the line to say they are transferring us, we were again on hold for XXXX minutes before the phone was disconnected. XXXX from XXXX suggested I fill out this complaint. I have a PIF receipt for an old balloon payment that I believe they may have added on to my balance. But again when I bring that up to them, they transfer me before they end the call without anyone talking to me. They are also charging me for not having a local bank in my area. I told them they should not charge me when they not having a local in my area is not my fault since they bought my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain an RV on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.
Product: Debt collection

XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter " GGR '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, GGR 's client claimed to have inadvertently paid my property taxes on a property I own. GGR claims this payment was made as a result of a scrivener 's error. To date, GGR has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the Treasurer will immediately issue a refund on account of mistake if asked. I advised the Treasurer that I have no objection to the issuance of a refund on the account if asked. I submitted to GGR and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked GGR to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. GGR refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to GGR and me being liable for a double payment. GGR continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. GGR has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed