23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

They closed my account without notice. 
A few days after, they pulled XXXX  from my other bank as a deposit It has been 2 weeks and my money is still with them in the closed account
Product: Credit card or prepaid card

On XX/XX/2018 I received a phone call from Synchrony Bank, a major issuer of store credit cards to verify a new account being opened with XXXX XXXX. In XX/XX/2018, my identity was stolen and two bank accounts were opened in my name and credit cards were applied for, but luckily stopped during fraud checks. I promptly submitted short- and long-term credit alerts at all three bureaus. However, despite having these alerts, Synchrony Bank called me AFTER they opened the XXXX XXXX credit card in my name and allowed the individual with my information to make a purchase of around {$5000.00}. After speaking with a credit protection service that is provided to me free of charge through my employer, they confirmed that Synchrony Bank should have definitely NOT issued this account and should have verified with me through their fraud department first. I learned from this service that this practice is commonplace with Synchrony Bank, particular with some stores like XXXX XXXX that contract with the Synchrony to be the issuer of their store credit cards. 

After speaking with the Synchrony Bank fraud department, they closed the credit account and tagged the account as fraud. They did a short investigation and confirmed this account was opened fraudulently and noted that I was not responsible for the account or charges. Synchrony also stated they would submit letters to each credit bureau to remove the account and inquiries from my credit report. Shortly thereafter, I received two letters dated XX/XX/2018 confirming I was not liable, the account was closed and the credit bureaus were informed of the fraud. 

While this issue is not solved, I remain frustrated that XXXX XXXX and Sychrony Bank allowed this to happen in the first place. Protocol would have been to see the credit alert and not open the account without contacting me and verifying my identity and that I made the request. This issue has led to me spending a considerable amount of time speaking with Synchrony Bank and my credit protection service, as well as reviewing my credit reports, verifying my credit alerts and my overall financial picture. My credit score was affected by a number of inquiries Synchrony Bank made on my credit, and again, they flat out ignored the alerts.
Product: Money transfer, virtual currency, or money service

I was a user of Cash App and my information was breached. However, I did not receive my claim notice by email or mail and time is running out. See attachment as proof I am part of the settlement class. Be advised my email XXXX XXXX XXXX has been shut down. 

You are identified as a member of the settlement class but we do not have an email on file for your record. Please reach out to the settlement inbox, XXXX to receive your Notice ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that the three accounts were opened by an unknown third party without my knowledge or consent while I was XXXX XXXXXXXX I have been living and working in XXXX since 2012 and I have no idea who opened the accounts. I asked Experian to fully investigate. They did nothing. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX XXXX XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX  XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that i was victim of Identity Theft, somebody used my personal information and applied for all this cards. I am not responsible for this accounts.
Product: Credit card or prepaid card

On  X/XX/17    i attempted to log on to lay my credit card bill with  capitol one.  The mobile site i use to make this monthly payment was down. The link said the mobile site was down and that i should try again shortly, upon trying again the site was still down and now i have been charged a late fee that i should not have to pay
Product: Mortgage

My wife and I provided a gift of a sum of money to assist my XXXX and XXXX XXXX XXXX  in purchasing their home. I was required to provide a Bank Statement, against my wishes, to the closing firm. The closing Firm deleted the Bank statement, and then I discovered that Planet Home Lending had my Bank Statement. I am not the mortgagor, nor am I a customer of this firm. Planet Home Lending has my Bank Statement against my wishes, as it subjects me to Identity Compromise. As you can see from the attached, unsatisfactory, unsigned response from Planet Home Lending, they refuse to remove the Bank statement, and thus they refuse to remove the potential of Identity Compromise. Having experienced Identity Compromise on several occasions, including a Mortgage firm, I have not confidence in Planet Home Lending 's ability to preclude Identity compromise. Thus, I require them to destroy any Bank Statements of mine that are in their files, both paper and electronic, to preclude me from being subject to Identity Compromise. There are no statutes that require them to keep my Bank XXXX. It is simply their policy, which they can elect to change.
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  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : I XXXX XXXX Account XXXX has violated my rights. Or a 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 or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( XXXX  ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts listed below 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 discovered that some of the information on my credit report was incorrect when I reviewed it again. It is not permissible to fail to validate these reporting accounts. Investigate these accounts and verify them as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I applied for credit recently and was denied. I XXXX on an military XXXX when these items were placed on my credit file. This has really place me in a bad stated as I am trying to all things settle back in with my life.
Product: Debt collection

I have been receiving automated calls all throughout the day, including evening after XXXX with no agent, just recordings, This is NOT by debt
Product: Debt collection

Central Mediation Service call from another phone number XXXX XXXX XXXX and leave a different number. When I called and asked them why they would threaten my wives family and call friends and family they said it was n't them and they hire that out but would not give me any information. They have called my wives family and threatened my wife through her family. Then that number calls my wives phone and asked what she wanted she game me the phone and asked what I wanted I said you called me what do you want then he hung up. When I call and ask for an address they hang up. I have called them about XXXX times the last XXXX have been just to ask for address, Now they just hang up without saying anything. They said their client was XXXX and I called them and they said they did n't have the loan and they sold the loan in XXXX of 2015 to a company that is not the same as the XXXX with all the threats. The company that XXXX sold it to wont call me back so I can ask them about it. Central Mediation Service makes it sound like my wife will be arrest. Oh and we have never got one thing from them in the mail.
Product: Payday loan, title loan, or personal loan

This company charges upwards of 160 % interest and I believe it is a scam since the most they can charge is 21 % up to 74 % capped in Indiana per state law. I can not get into my account now and have attached a copy of what their loan papers look like and the interest rates they are currently charging against Indiana State Law.
Product: Credit card

WELLS FARG OIS REPROTING A FRADULENT ACCOUNT ON MY CREDIT FILES AND UNDER MY RECORDS WELLS FARGO CARD SER : XXXX Dispute not available XXXX Help mark icon Whats this? 
View Account Details Reported balance {$2500.00} Actual payment amount Date of last payment XX/XX/2023 Past due amount Account status Pays account as agreed Date reported XXXX
Product: Mortgage

The problem : I cant get a monthly statement from Lakeview Loan Servicing The details : 1. I have never ( over the entire life of the loan ) received a monthly mortgage statement. 

2. The lender does not respond to emails. Instead generating computer responses with non working links. 

3. The lenders website is a farce - despite numerous attempts I have not been able to login. 

Following is a sample email _ I have many more just like it : Dear XXXX XXXX, Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

I will believe it when i see it. 

Not the first time that you said you would contact me On Thu, XX/XX/2019 at XXXX XXXX Customer Service XXXX wrote XXXX Dear XXXX XXXX , Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

Hello, I have tried to contact Loancare LLC NMLS # XXXXnumerous times but have never received a response. 

My next step is to contact the Californian Real Estate Commissioner and the DRE. 

I am a licensed real estate broker and have not been able to see a statement for my personal residence for over a year! 




XXXX XXXX XXXX License XXXX Loan Number : XXXX. 

Payment Confirmation Thank you for making a payment on your mortgage account. 
Your payment in the amount of {$2000.00} was received on XX/XX/2019. 

This email confirms receipt of your payment. 

Thank you for being a valued customer. 

Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. 

If you have any questions about your account or need assistance, please email us XXXX. 

This email was sent to XXXX by LoanCare LLC NMLS # XXXX If you are not the intended recipient and feel you have received this email in error, please click here to notify us.
Product: Credit card or prepaid card

I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases
Product: Credit reporting or other personal consumer reports

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any acounts that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card that I barely use had an unpaid balance ( {$15.00} plus late fees = {$43.00} ). The account was paid as soon as I was notified and I also closed the account. XXXX XXXX has now hit my credit report 3 times one with a XXXX balance entry despite the card being paid off and closed. I have contacted XXXX XXXX multiple times and the problem continues.
Product: Debt collection

Wakefield and associates 37 calls Fraud and Harassment Violation of the telecommunications act of 2003
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit 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

I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

contacted capital one to resolve access to my account after i reported my cars lost/stolen in XX/XX/2021. They assured me they fixed the issue and new card would be sent out. 
Never received replacement card and customer serviced locked access to my online account!!!!

Month later i received statement of card and called immediately as it seems my card was never shut off and whomever got hold of it made charges to my card. and this is AFTER capital one said my lost card would be handled!!!! they failed to protect my sercurity and failed to lock card and issue replacement!!!! Negative impact on my credit report and still no access to account. had to fight for months to even get it off of my report and the costly time i have spent needs to be taken care of! it has cost me getting other credit loans and everything under the sun. thanks Capital one for your great negligence and carelessness for your customers
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. 

Please see this account is removed from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within XXXX  days of this letter if its not removed ....
Product: Debt collection

I received a letter from them stating that they will sue me. I responded asking them to provide the proper documentation proving that the debt is mine. They responded and said the debt is accurate and they are uncertain of what I am disputing. I wrote another letter specifically asking for a substantial proof and I was very clear about asking for my consumer rights of validation of debt. They sent another letter saying that they sent all the proof to the credit bureaus and didn't provide me with anything that I previously asked two times. 

I also sent a letter to the credit bureaus asking for an investigation and for documentation that proves that account is mine and they didn't send anything just a generic letter stating that the account was verified as accurate. 

I have attached the two letters I received from them asking for a validation. This shows they are failing to validate their claim and are violating my consumer rights.