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

I did not receive last month 's statement via XXXX. I received an email stating on Monday ( XX/XX/2022 ) that I had missed a payment. I always pay the full amount by the due date every month. I have been erroneously charged a late fee of {$29.00} and interest charges of {$25.00}. My son called this morning to speak to a customer service rep ( CSR ) XXXX about this irregularity and potential fraud to customers by Synchrony Bank mastercard account. I monitored the call via the speaker phone and the call was recorded by Synchrony. The CSR stated that someone over the past 30 days had changed the account to receive an electronic copy of the credit card monthly statement. This is a complete lie. She stated she would correct the account to again receive a hardcopy statement. Yesterday ( XX/XX/2022 ), I received my hardcopy via XXXX from Synchrony showing the late fee and interest charge. Meanwhile, my son paid the current statement bill, including late fee of {$29.00} and interest charge of {$25.00}, per the instructions from the CSR to avoid any further late fees and interest charges via a debit from checking account via the Synchrony online website while still on the phone with the CSR. We confirmed with the CSR that the payment was received on the phone and via an online confirmation number. However, my son informed the CSR that this action by Synchrony appeared to be FRAUD AGAINST CUSTOMERS. I am notifying the CFPB to take action against Synchrony for potential fraudulent activity against credit card customers.
Product: Credit reporting or other personal consumer reports

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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

In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

Equifax XXXX XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report.
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 XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX 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 XXXXXXXX : XXXX. XXXX, 2022 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. Experian changed it to current never late, then Experian changed it back. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed back on my XXXX Credit Report today.
Product: Debt collection

I, XXXX XXXX, am writing this complaint to ensure that I get a response regarding an affidavit that was mailed and delivered to COLUMBIA DEBT RECOVERY LLC XX/XX/2024. The debt collection company is damaging my reputation per 15 USC 1692d ( 1 ). If there is no appropriate response in accordance with the facts brought against them by affidavit, they will be held accountable. I permitted them to respond. Failure to rebuttal all claims brought in the affidavit truthfully and accurately will deem them liable. This company has been lying through their corporate teeth and I'm sick of it.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 recently noticed on my Experian Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX  XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx
Product: Credit reporting or other personal consumer reports

Equifax fax continues to block me from acquiring my credit report from every on line site. They have refused to grant me access. i have provided a copy so they clearly have me in their system
Product: Debt collection

My work phone is reserved only for my family. I'm a XXXX. I can not get phone calls to my XXXX. Apparently this company has purchased my student loan debt from previous collector. I was working with the other agency. Never heard of this company before. I called back and spoke to XXXX with Account Control Technology at extension XXXX. THEY WERE NOT GIVEN PERMISSION TO CALL MY JOB. They XXXX  and researched where I worked and called here to harass me. The other company never had my number to my job. I will GLADLY give them my cell phone number. The lady was rude, attempted to prevent me from talking. These companies don't send anything in writing. Very ambiguous. I'm not sending a dime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to log into my account to manage my freeze. Their account recovery system does not work and I can not reach anyone. Upon further research, this is their common practice and I find it absolutely unacceptable to either intentionally lock people out of their accounts or to have software so poorly written that accounts require someone to file a complaint before anything will be resolved.
Product: Credit reporting or other personal consumer reports

Hello, I have a credit card with Comenity Bank ( XXXX ) that I have had for many years. The credit limit is over XXXX ; however, I paid it off and have not used it in years. To that end, I received a msg from my XXXX bank that I had a 30 day late on my CC so I called Comenity to see if there was a fraud situation, because I do not use that card. They said no your O Rewards auto charged for {$19.00}. I explained to them that I opted out of that program and not sure why this keeps hitting. They then looked at the notes and took the charge off and said I was right. I was told the mark would be removed automatically however now been told O Rewards and Commenity do not communicate and even though O Rewards removed the charge for their mistake this was never communicated to Comenity, thus bad marks ( twice ) on my credit. The same issue happened again and I again got on the phone for over an hour but was basically chasing my tail and could not receive any help or customer service. They dont even have an email I can submit a complaint to. I am pleading to have the bad marks off my credit as I am a business owner and can not have two late charges like this. I can be reached XXXX. Thank you for reviewing this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX a crypto exchange platform. This is a link to her XXXX profile : XXXX XXXX XXXX % XXXX % XXXX % XXXX % XXXX % 98 % 89 % XXXX % XXXX % XXXX Unfortunately, I have reported to XXXX and fraud FTC website XXXX the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, XXXX XXXX XXXX, via XXXX and through intermediaries named XXXX XXXX  and XXXX XXXX in the total amount of {$36000.00} USD. The platform is just like any other XXXX exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred.
Product: Checking or savings account

Several years ago, I established a personal line of credit and credit card along with the checking account with First Citizens Bank. The LOC is also used for overdraft protection. I was urged by the bank and agreed to allow them to set up both the credit card payment and the LOC payment on autopay through my checking account. The checking account is not my primary checking account. I only set it up because the bank required it in order to give me the credit card and LOC. 

On XX/XX/2020, FCB attempted to execute the payment for one of the accounts and there were not enough funds to cover it. There were also not enough funds in the LOC to cover it. So they charged me a {$36.00} fee. However, there were enough funds in the LOC to cover the fee though so on XX/XX/XXXX they added {$36.00} to my checking from my LOC and took it. Then they charged me an additional {$36.00} fee on XX/XX/XXXX, added {$48.00} from my LOC, and took an additional {$12.00} fee for the service of adding the money from the LOC. This same set of charges and fees happened again on XX/XX/XXXX and XX/XX/XXXX. 

While FCB has all of my accurate contact info, I was not notified by email, text, or phone that any of this was going on. And since it's not my primary account, I didn't discover any of this until today ( XX/XX/XXXX ) when FCB called me because my LOC payment was late. I asked about the fees which total enough to cover the  payment that's due with the argument that if they had reached out to me in any way and I had known what was going on, I could have stopped it from happening and preserved enough funds just from fees to make the payment. I asked them to refund the fees. I was told " this is just the way things work and that they had done nothing wrong so since it's not a bank error, they can't refund the money. '' I've been a good customer and always paid on time. I have multiple business accounts with them also and have never had any problems. The coldness with which I was treated was astounding. Especially given the amount of interest I've paid them over the years and the money they make using my business funds essentially for free since transaction accounts pay virtually no interest to the customer.
Product: Checking or savings account

This issue relates to Citizens bank. 

I signed up for a new Platinum Checking account as part of a new promotion in XX/XX/2018. I was supposed to receive a {$400.00} payment once I created the account and deposited a single $ 1000+ direct deposit within 60 days of the account opening. 

I have talked to multiple bank personnel, through email, phone, and in branch, that confirmed that I signed up for the account during the promotional period, met the direct deposit requirements and that I was supposed to receive the bonus. There have been multiple 'investigations ' that have taken months to resolve. They are now saying that there was no 'promotional code ' attached to my account and that I would not be eligible for said bonus. In the meantime, Citizens Bank has been charging me service charges despite not fulfilling the terms of the agreement.

I do not trust this account for handling my money when Citizens Bank can not deliver upon this promised bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion and tried to file a complaint because someone else is on my report they would not let me verify online because this persons infomation is linked to mine. My name is XXXX but someone by the name of XXXX is on my report. It says I have 2 addresses and 2 jobs. I think someone must have linked me with this person please help.
Product: Debt collection

On XX/XX/XXXX, I made a request from State Collection Service, Inc to receive a statement with the total that I owed on all and any open accounts. In response to my request, the company sent me information for one " agency. '' I asked for clarification on if this is all that was owed and since my records indicated that about {$200.00} more was owed at the time. I was informed by the employee that this is all that was owed within State Collection Service , Inc. About a week later I requested a follow up to ensure I was receiving payoff receipts that indicated I owed nothing else. I was then informed that I owed and additional XXXX that was withheld from me at this time. The company has taken these off of credit reporting and has since denied any fault of their own and will not expunge the amount even though they had originally withheld the information from me and I was unaware.
Product: Credit reporting or other personal consumer reports

I Hope this Message reaches you in excellent physical condition. 

I am writing to bring specific inconsistencies in my Credit Report to your attention, Specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( B ) under the Billing Error Category : ( 4 ) The Creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, Which ought to render any ramifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error therefore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to dispute XXXX account on my credit report I find as reporting questionable information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report. I do not recognize the information listed below as true and correct. Be advised this is not an admission I owe or acknowledge the below reference account as mine. 

I have sent multiple dispute letters and notification to Experian ( XX/XX/XXXX and XX/XX/XXXX ) related to the XXXX account on my credit report. Each time the credit bureau answers my dispute by stating the information is verified by furnisher and is reported accurately or " updated '', but information has not been corrected. 

You ( Experian ) did not perform a proper investigation according to the FCRA. In accordance with the Fair Credit Reporting act everything must be 100 % accurate on my credit report. You ( Experian ) state my account was properly investigated but how is that possible if the balance, two-year history, last activity, scheduled payment and high balance are incomplete not accurate. This is grounds for immediate removal. 

Because I already asked you to properly verify the accuracy of XXXX and you were unable to do and / or provide complete and accurate information within 30 days I demand you ( Experian ) remove this account from my report immediately. 

Account name : XXXX Date opened : XX/XX/XXXX Credit limit : {$300.00} Thank you for your diligence in addressing this issue and removing the account. 

Sincerely, Signed : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I show a XXXX on my XXXX XXXX. I contacted the court and they said they didn't furnish any information to the XXXX. It is clear they do not report to you or any XXXX XXXX for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX ( XXXX XXXX. XXXX ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach wherein information was stolen, which could include SSN, names, birthdates, addresses and possibly DL numbers as well.
Product: Mortgage

XXXX, I have created the compliant XXXX XXXX XXXX XXXX with CFPB. This case is closed by US bank and the CFPB. Unfortunately, the issue NOT resolved. 

The issue was paying my property tax payment. US bank closed the case stating the property tax had been paid. Unfortunately, The taxes have NOT been paid by the US bank so far. 

The amount is taken from the XXXX account of {$14000.00} on XXXX. As of today it XXXX days over. The amount is not returned to me or payment is not received by XXXX. 

I closed the XXXX account on XXXX XXXX. 

I will pay property tax myself. I need US bank to return the {$14000.00} to me. 

Also, I need compensation for my efforts with US bank for the past XXXX days. During this time, I have called US bank XXXX times to resolve the issue. 

Thank you
Product: Money transfer, virtual currency, or money service

send anything this time because I wasnt trusting of his intentions anymore. Within a few business days I was notified by my bank that these checks that were deposited were fraudulent. I immediately called my bank and explained everything with as much detail as I could about this man. He provided a phone number to me recently asking for me to send {$400.00} because his bank account is locked. At this point I definitely know that this man is not who he says he is. I acted along asking for a number that he could provide to me to do this transfer he gave me the number belonging to an XXXX XXXX ( XXXX ) XXXX. Which I had not used to contact at all because of the situation as I am trying to obtain the most information from this person without creating suspicion that I am aware of his plans. I did call my bank account filing a claim and will contact my local authorities about this crime. This is the most I am able to obtain from the conversation I have had with XXXX XXXX. All through the social media application XXXX.
Product: Mortgage

On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX XXXX filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX XXXX transferred the mortgage to RIGHTPATH Servicing ( RIGHTPATH ). Now RIGHTPATH claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX XXXX fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was XXXX XXXX. The debt was sold three times to ultimately XXXX  in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When XXXX took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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