23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported 30-day late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history. 
The discrepancies are as follows : XXXX : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
TransUnion and XXXX : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments. 
If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated 30-day timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected. 
Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from XXXX, and for XX/XX/XXXX and XX/XX/XXXX from TransUnion and XXXX. 
Provide written confirmation of the corrections made to my credit file. 
Supply a detailed explanation of the procedures used to investigate my dispute. 
Thank you for your immediate attention to this matter. I look forward to receiving your response within the 30-day timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the Lowes Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my Lowes Account, Synchrony also closed the following accounts : Sams Club - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay
Product: Debt collection

( PORTFOLIO RECOV ASSOC ) at ( XXXX XXXX XXXX XXXX, VAXXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.
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 XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required 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 CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I dont understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

I had a dispute over a wire transfer over the XXXX XXXX weekend with 5/3rd Bank for the amount of {$1500.00}. I immediately called the Dispute Department and signaled Fraud. I was advised from the dispute department to call XXXX   XXXX XXXX where the transfer was sent. XXXX indicated that the information could not be shared of where the funds were transferred. As it turned out, I did not get the funds back. According to FBI reporting on wire transfers, as time drags out the less likely you will not recover your funds. An increase of wire fraud had increased over the last few years. 

I did not get a Field Investigator assigned until weeks later who was XXXX XXXX. His phone number is XXXX. I also filed a police report. XXXX shortly after took a vacation and when he promised me he would get back regarding the status of my case ; and I did not get a response over several calls. I also filed a complaint to recover my funds to the Loss Prevention department through XXXX XXXX who is a Bank Manager. I discovered on XX/XX/XXXX when visiting a local branch without notice that my Loss Prevention Claim was denied in XX/XX/XXXX under Dispute # XXXX. I even suggested to XXXX should I report this to the FBI and he said no he can handle my case. 

This transaction was part of the Bank 's Negligence writing that my transfer was due to health care reasons and dragging out an investigation. I hope that CFPB can resolve this matter with a Bank for once because I am filing a Civil Suit against 5/3rd Bank for more than my losses if my {$1500.00} is not reimbursed. I am getting tired of Banks getting away with misconduct and not recovering losses when Banks do have insurance. I have had a couple bad experiences with Banks not covering check fraud, and other related issues ; and I am not letting this issue go because I do not want other victims/consumers to encounter the same problem.
Product: Checking or savings account

Hi there first I would like to thank everyone wholl work with Case. So lets jump straight to the business. 
So I bank Wells Fargo on XX/XX/XXXX I notice there some Pending transactions on my account that Nor mine nor Authorized. I dont even know Who doing these transactions so I immediately call the Bank on XXXX on the XXXX XX/XX/year>. Turns out they Dont take care of these transactions verification after XXXX. Then I immediately log in my appps And tried to dispute them but I wasnt able complete the process because Online Says in order to dispute transaction it has to be posted. So I have XXXX XXXX son that I need to taken care of. So I become busy so on XX/XX/XXXX XXXX started dispute all these Transactions which Happen to be XXXX XXXX XXXX XXXX. It was more then XXXX transactions in between XXXX. So wells do let customers dispute over XXXX transactions on single claim So I had to XXXX claim in order to resolve that issue. 
My First Claim No XXXX Dispute amount {$1200.00} Merchant : XXXX XXXX XXXX XXXX NJ My XXXX Claim NO XXXX Dispute Amount : {$690.00} Merchant : XXXX XXXX XXXX XXXX NJ Right After submitting these claim I got some Additional email stating that my claim is Opened and The bank will investigate it and Hopefully Resolve this issue within 10days.

But if they Cant reach final resolution on 10th days theyll apply Temporary credit to my Account until final determination. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX I got Temporary credit for My XXXX claim which is {$690.00} Right after XXXX hour around XXXX oclock I log back In To my Wells Fargo Apps and I find they denied and Close my First Claim. 
This is Horrible and Sickening. This is not My Transaction nor Im affiliated with Any Company Named XXXX XXXX. 
So If they apply temporary credit on my XXXX Claim For {$690.00} why They Declined my First claim which both are the same Merchant dispute. That does not make any sense. Or they Handle claim In process of Amount based not A true investigation and Taking care of their customers. 
Long story XXXX love To Answer or Provide any Further details and Documents if needed
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I was born XXXX XXXX XXXX. On my background check and on my credit XXXX XXXX in XXXX XXXX is on my records. I have never lived in XXXX XXXX XXXX. My sister in law is XXXX XXXX as her maiden name. How do I get this XXXX XXXX in XXXX XXXX XXXX  of my credit reports and background checks for good. My lawyer has had to send my information to the State of XXXX  so I use my name XXXX XXXX XXXX now.
Product: Bank account or service

My aunts car check book and debit card were stolen The bank Of America in XXXX SC. She attempted for 3 days to call the fraud department of BOA without getting through. She was able to finally get someone on the phone on XXXX/XXXX/16. She followed up by filing police reports. A total of XXXX stolen personal checks were deposited into her account on XXXX/XXXX/16. The first withdraw was made in the amount of {$240.00}. Then 2 attempts were made at XXXX XXXX without success however a withdrawel was made at BOA when more money was obtained. My aunt states she never gave her PIN number to anyone ever. We feel like a girl in and out of her home somehow guessed or watched her put the pin numbe. She filed her claims alone A follow up call she was told because the claim Was filed on XX/XX/XXXX she failed to show concern. My aunts completed every thing the fraud department requested her to do. My aunt is XXXX And becomes confused quick she did n't understand exactly what was expected of her and what the BOA was asking her to do. New claims were filed but to lay Shock the Bank of America denied the claims again. My aunt is on a fixed income and she received her XXXX in the amount of XXXX. Over {$600.00}. Of her check was taken by BOA they were no help at the fraud department. No one would reach out and assists her. She asked for supervisor to be contacted. The XXXX supervisors were talking hateful and not helping her. The bank refused to reopen the claims or provide my aunt with any details. The BOA speaks of its XXXX libability on fraud. The bank seemed to be taking advantage of my aunts XXXX and lack of understanding. Her car insurance is about to be cancelled and her car may be taken from her
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified multiple inquiries that I did not authorize. The details of the unauthorized inquiries are as follows : XXXX. XXXX XXXX on XX/XX/year> XXXX. XXXX XXXX XXXX on XX/XX/year> I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 

Attached please find documentation of proof of identity and proof of address as well as unauthorized inquiries. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 

Thank you for your prompt attention to this issue. I look forward to your response.
Product: Debt collection

We receive two to three calls a day from Portfolio Recovery Services. When someone answers the phone no one is on the line.
Product: Credit card or prepaid card

On XX/XX/18 I received a Synchrony Bank Walmart Mastercard in the mail that I did not apply for. I called the customer service number on the back of the card and cancelled the card immediately. I was not sure why I received this card. The agent said that I needed to provide my private information for this card to be generated. I never ever applied for this card. It is strange that the card came to me in my name. I would think that if someone stole my info, they would have had a card sent to them ( in their name ). I NEVER provided information, or applied for this card.
Product: Debt collection

I received a letter to collect a debt instead of a letter of debt validation with wet signature the company sent back a letter with a forged signature that wasn't mine. I received this letter XX/XX/XXXX and the signatures that are on this document were dated for XX/XX/XXXX. I wasn't going by XXXX XXXX at that time. I would like to request legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that Experian, XXXX, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41. 15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies. Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. Experian, XXXX, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. With all the information provided above for example, Experian, XXXX, and XXXX have been reporting without my consent a case that is in LITIGATION since 12.26.2019. The alleged attorney claims to be representing XXXX XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX a.m I received an email notification from PayPal Service Official email, in the email it stated " We noticed you've been using your PayPal account in a questionable manner. '' and after reading through this I immediately logged in to see a large red banner on top of my screen informing me that I have been limited from using PayPal 's services [ Sending, Requesting, Withdrawing etc. ] and I must give PayPal information such as ID, credit card statements, proof of address, and detailing certain transactions. After finishing these steps it informed me that it would be reviewed in 1 day. After 2 minutes I refreshed my PayPal account and saw that the red banner now said that I was PERMANENTLY limited from using PayPal 's services. I throughly looked through every transaction, checked my withdraws and transfers and see no unusual activity. After which I called PayPal 's support line. The representative informed me that my account was blocked from using PayPal 's service and that I Agreed to the User 's Agreement Policy which shows a section under restrictions of ways my account could be restricted. After analyzing these policies I noticed that my account did not violate any of the User Agreements and The Representative refused to disclose to me what exactly was the reasoning behind this account closure. The call lasted 15 minutes. I was informed that it was a final choice that couldn't be appealed but I know that the decision was wrongfully made to terminate my account but The Representative told me that my account was at risk of breaking one of the following guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX  of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) Transunion error : " Record not found '' 2 ) XXXX  error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion   said that my first name is too short and so I need to hire a credit repair service. XXXX  said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a consumer?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Debt collection

I told the company and the collection agency it was not me I never lived in that state or visit it in was told to contact the other one in despites having it disputed through XXXX  XXXX, XXXX, and XXXX  it is still not resolved in keep being told they are saying I am responsible for this
Product: Debt collection

I was never notified of this debt but found this reported to my credit report. I have no knowledge of this debt with the debtor. RadiusGlobal is the debtor account number report on credit report is XXXX. I would like this debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. Request for validation letters were sent to Equifax in regards to fraudulent accounts listed on consumer report. They accounts that were listed came back as verified without any proper documentation and they rest of the accounts listed were completely ignored and remained on report. The FCRA gives specific and clear guidelines and Equifax chose to not comply by not responding at all and refurnishing this false information on my report. 

XX/XX/2022. Another attempt to resolve these issues were made and again there was no response, and the listed accounts were again refurnished. 

XX/XX/2022. Again another attempt was made to resolve. Ignored, no response and accounts updated as verified. 

I have attempted to solve these issues for over a year. Equifax completely violated my rights as a consumer and broken several federally regulated laws.