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

Synchrony bank. 
I told the lady at XXXX XXXX that I have a credit card at home and she purposely made me sign for a new card because they cant do look up or bill with social security number look up. 
The mail/billing never reached my home. They said the post office returned my mail twice. They did not allow me to pay my bill over the phone because they had to figure out how to identify me. They ruined my credit. They told me that they cant fix because it took too long to identify me. 
I have the money and this sort of wrong doing is not fair. Now, I need SSI and unable to refinance my home due to XXXX credit. Now, I need to sell my condo. All my life I did what was right then one credit card company went a messed everything up. Soon Ill be in section 8 housing instead of my condo. One credit card shouldnt be able to do some damage to ones credit score.
Product: Credit reporting or other personal consumer reports

NAV TECHNOLOGIES INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX PULLED MY CREDIT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I WANT TO KNOW WERE THIS COMPANY GOT MY INFORMATION AND WHY ARE THEY CHECKING MY CREDIT EVERY MONTH.
Product: Debt collection

I have received a large volume of calls, which I have refused to answer due to the stressful nature of my situation, and to being either asleep or working during. As I didn't answer them, I don't expect them to know my schedule, but they have repeatedly violated ftc guidelines for maximum number of calls in a 7 day period m, and have tried to conceal this fact by using private numbers, and/ spoofing to get me to answer. Due to the nature of their tactics, I am unable to ascertain whether the malfactor is XXXX  XXXX XXXX, discover, or both. I dont believe it'd be difficult to find out which one has been using these tactics. Regardless, one or both of these corporations has blatantly ignored federal guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

STOP REPLYING WITH A TEMPLATED RESPONSE ABOUT BEING UNSURE OF MY IDENTITY. YOU ARE VIOLATING THE LAW. PAY ATTENTION TO MY REQUEST AND RESPOND ACCORDILING. THESE CFPB COMPLAINTS ARE ADMISSABLE IN COURT IF I DECIDE TO SUE YOUR COMPANY. 

ATTACHED ARE 2 FORMS OF ID. 

RE : Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX XXXX   XXXX Fraudulent Inquiry : XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Product: Checking or savings account

During the COVID-19 pandemic we are asking Citibank to reverse the monthly maintenance fee on our checking account. Citibank refused to reverse the XX/XX/2020 fee.
Product: Checking or savings account

My money lost in my account unusually long time especially from XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction with Experians repeated failure to conduct a proper reinvestigation of these disputed accounts on my credit report. Despite my numerous requests for proper reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ), these accounts continue to be verified without any documentation provided to substantiate the method of verification of these inaccurate accounts. This persistent failure to comply with federal law is unacceptable. 

Your failure to complete a lawful and thorough investigation violates the FCRA. You are required to conduct a proper reinvestigation when disputes are submitted and to provide clear documentation of how the information was verified. Instead, you have ignored these obligations, which is unacceptable and demonstrates blatant disregard for federal consumer protection laws. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal actions against Experian for similar failures to adhere to proper investigatory standards. This reinforces my position that Experians handling of consumer disputes is not only inadequate but also unlawful.

I demand the following : 1. Conduct a proper reinvestigation of the disputed accounts in accordance with the requirements of the FCRA. FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to send me documentation of the procedure used within 15 business days of the completed investigation for determining the accuracy and completeness.

2. Provide the requested method of verification for each account, including the name and contact information of the person that verified the accuracy of the information. What date and time did this conversation take place? How did you come to this determination that these accounts were " verified as accurate ''? 
3. If verification can not be properly provided with concrete documentation, immediately delete these disputed accounts from my credit report.

Failure to comply with these demands will leave me no choice but to escalate this matter further. I will not hesitate to file complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action to ensure my rights as a consumer are upheld. 

Account Name : XXXX, XXXX | Account Number : XXXX Account Name : XXXX XXXX Bank XXXX XXXX Account Number : XXXX Name : XXXX XXXX Bank XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX This is your final opportunity to resolve this matter amicably and in full compliance with federal consumer protection laws. Please provide a response within the legally mandated timeframe. 

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

This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX XXXX. This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each credit reporting agency, XXXX, Trans Union, and XXXX. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed a letter to this company requesting verification of inaccurate accounts showing on my credit report. I haven't received a response yet and these inaccuarate unverified accounts are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit www.experian.com Does not offer any live human customer support. I tried for 45 minutes going through the various automated prompts and then XXXX any other numbers and found multiple other people had the same problem. They keep redirecting you to their website options and by no means can you get a live person. Absolutely unfair and I feel unethical for a company that holds so much weight in our lives controlling our credit scores and you can't get anyone to help you. 

Here 's the main customer support # on their site ( and I tried many many others ). Same result. I called well within hours of operation also. 

XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX   PTSat - Sun : XXXX XXXX - XXXX XXXX PT XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer. 

After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.
Product: Credit reporting or other personal consumer reports

First & foremost, I have been going through a financial crisis since 2022. After moving to XXXX, My mailbox was broken into and my new license and credit card ( s ) were stolen. From then I knew I had to start montitoring my credit. I was using the app and everything seemed to be fine for about XXXX months. When I started to struggle, I was unable to keep up with my monthly subscriptions for my credit monitoring so I was unable to monitor what was going on with my credit for a few months. When I was finally able to start back monitoring, I noticed my credit had dropped XXXX points due to someone attempting to get cars in my name ( due to all auto inquiries ) & the thieves successfully got an apartment IN MY NAME!!! ( a collection company has been harassing me to pay them ). I just want these items removed, so I can go back to my normal life.
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 num XXXX XXXX XXXX XXXX, has violated my rights.

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: Debt collection

My wages was garnished by a company called XXXX XXXX XXXX first back in XXXX I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of 4 that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that Messerli and Kramer is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact XXXX XXXX XXXX  again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. XXXX XXXX XXXX are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. XXXX XXXX XXXX removed there inquiring in XXXX which is when the garnishment first started but some way Messerli and Kramer is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from Messerli and Kramer. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy 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 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 ActXX/XX/XXXX Account # XXXX, has violated my rights. 


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 an account without my written instructions. 


15 U.S, C 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: Checking or savings account

Chime reopened my account and put my funds back into my account then they closed my account for the second time without notice and have not given me the remaining amount of money they told me they have no reason to close the account and aren't sure why the account was closed I would like the remaining amount of my money
Product: Credit reporting or other personal consumer reports

I HAVE A LETTER FROM AFFIRM STATING LOAN WAS REPAID IN FULL, THE LOAN WAS IN DISPUTE WITH XXXX XXXX, THIS TOOK QUITE SOME TIME, AS I KEPT IN CONTACT WITH THE CREDITOR OF WHAT WAS GOING ON, I HAVE LETTER TO UP LOAD FROM XXXX IT IS THE 3 CREDIT REPORTING AGENCIES THAT CONTUNIALLY MESS UP MY CREDIT SCORE NOT UPDATING INFO, WRONG INFO, DEROGOTORY INFO, OR NOT EVEN LOOKING AT A DISPUTE CASE. NO LATE PAYS PAID IN FUL LOAN
Product: Credit reporting or other personal consumer reports

I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Checking or savings account

Truist bank allow a {$340.00} fraudulent XXXX XXXX XXXX  charge to go through. It put my account {$190.00} negative balance. Once the fraudulent charge hard post it triggered additional {$36.00} over draft fee for negative balance of {$220.00}. My ex son in law XXXX file a fraud complaint with XXXX XXXX XXXX on my behalf and it was refunded to my account. My bank charge me XXXX {$36.00} overdraft fees and only XXXX has been refunded to me.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX has violated my rights. 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 an 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. Account needs to be removed from report.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I wrote to ARS, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX cable bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( s ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX cable bill??? 
XXXX has not responded at all.????? 

ARS sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
XXXX XXXX /XXXX  sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> XXXX did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record of XXXX  XXXX bankruptcy on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have XXXX XXXX  and credit acceptance that was on that XXXX  XXXX bankruptcy that's still on my report ( s ) I need taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and settled. Information keeps being reported anyway and the account total is completely false.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC has inaccurate information on credit report.