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

Further to my complaint early in 2019 ( complaint number XXXX ), Synchrony Bank has reopened my Amazon card without my knowledge or consent this month. I received an email this morning asking me to link the card to my Amazon account. 

When I logged into the site to make sure my account was closed, the account has now been reopened. 

There is a XXXX balance on the card, so I am not owed any money by Synchrony. However, I wish to report fraudulent opening of an account which I had requested be closed and which they had closed in XX/XX/2019 after their having to respond to my complaint to the CFPB. 

I'd like to report this as fraud. They had neither my knowledge or consent to reopen that account. I'd never have known it was reopened if they hadn't reached out to me to ask me if I wanted to link it to my Amazon account.
Product: Checking or savings account

I applied for my account on XX/XX/XXXX and was approved on XX/XX/XXXX, but then was immediately locked out of my account. I had opened the account under a promotion that gave a {$200.00} bonus after having 3 direct deposit in 4 months, but the first must be within 60 days. I called and emailed, but all they could tell me was that my account was " under review '' and that it could take 60 days. I eventually received access on XX/XX/XXXX and was able to begin normal banking. When I asked about my bonus after having met the requirement, they stated that my first direct deposit occurred later than 60 days. I was unable to access my account for that entire period. They also violated their terms by taking more than 60 days to review my account. I am attaching my correspondence with them via email while I was locked out, and through their messaging system after I had access to my account.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan check in the mail from 1st Franklin Financial ( XXXX ) in XXXX, Ga. I did not apply for a loan in any way, nor am I interested in taking out a loan. I have never had contact with this company. Over the last year, I have not sought any financial assistance of any kind from any company. 

The letter includes the following : " It's true, attached is a real, cashable check made out to you for {$2000.00}. Once cashed, that's only {$140.00} per month. * Enjoy the convenience your good credit history has earned you. Cash or deposit your check today. '' " By signing this Arbitration Agreement ( " Agreement '' ), you agree : You are giving up your right to go to court. 
You are giving up or limiting the rights you would have in court. These rights include the right to force someone to testify. 
You are giving up or limiting you right to appeal the decision if you lose. 
You are giving up your right to be a class member or class representative in any Class Action or Class Arbitration ... '' " Visit us online at 1ffc.com '' " ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate 35.95 % '' The letter is then signed by XXXX XXXX, 1st Franklin Financial Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX ( XXXX ) XXXX It is worth noting that the annual credit rate limit of the agreement exceeds that set by the State of Texas ( where the letter was penned and where it was delivered ) ( https : XXXX XXXX XXXX ). I plan to inform the appropriate state authorities in a separate filing. 

My complaint to the CFPB is that this is obviously a predatory marketing tactic designed to trick individuals into taking out a loan and waiving rights to challenge the fact. The check itself is the only area in the enclosed documentation with a signature line, which is on the back of the check as any endorsement would be. The phrase " this is a real check '' is repeated throughout the documents. 

This sales tactic is also an easy way for anyone to intercept the letter and cash the check, thus taking out a loan under some else 's name with a single signature.
Product: Credit card

On XX/XX/2023 I initiated a consumer credit transaction with AMERICAN EXPRESS, I applied and submitted an application for a new American Express Gold Card. After applying in good faith I was sent a letter stating that AMERICAN EXPRESS was unable to approve my application for me at the specified time on XX/XX/2023 due to information received from a third party agency. AMERICAN EXPRESS has utilized the information collected and have violated my right to an equal credit opportunity. AMERICAN EXPRESS is in fact discriminating against me by only utilizing that information collected and not giving me an Equal Credit Opportunity. AMERICAN EXPRESS received my collateral security and I received nothing in return by giving AMERICAN EXPRESS my application, this transaction was not equitable to me. I have called AMERICAN EXPRESS to rectify this situation and I was told over the phone by a representative that my right to an equal opportunity basically does not matter. I was also told misinformation because on the adverse letter it states that the consumer reporting agency played no part in the decision of denial but over the phone while speaking with a representative of American Express I was told that they only utilize the information from the third party agency. I have reserved my right to exercise my rights in the EQUAL CREDIT OPPORTUNITY ACT under the Consumer Credit Protection Act. ALL OF MY RIGHT TO AN EQUAL OPPORTUNITY HAVE BEEN VIOLATED. My right to safety against discriminatory violations have in fact been violated. This has affected my livelihood tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went into XXXX to access my credit report online. I received an error message from both XXXX  and Equifax indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at XXXX. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from annualcredit.com and by law and XXXX, Equifax and XXXX are violating the law by not allowing me to access my credit report online from XXXX.
Product: Debt collection

Dear CFPB Team, I am writing to you today because I truly need your help in removing an inaccurate collection on my credit report. 

The original creditor was XXXX  and I now have a collection on my XXXX report from a charge off collection agency called " ENHANCED RECOVERY COMPAN '' The incident that occurred happened over 3 years ago. I was upgrading my cellular device and the XXXX representative from a franchise XXXX  store told me that I had to change my cell phone number in order to upgrade my phone. I off course didn't know better and I thought that was part of the process. It turns out that they basically opened a completely new account and closed the old account that I had without my knowledge. 

I later called XXXX customer service the same day because I suspected something was wrong and the entire experience felt very suspicious. They explained that the third party XXXX store did fraud with my account and closed my original account without my consent and opened a new one because according to the customer service rep the store sales people get paid more in commission with new accounts. XXXX informed me that because this was fraud they where not going to issue any charges on closing the old account. 

Well fast forward and I learned that the account was still being charged and sent to collections. I have tried contacting XXXX about this without any resolution. I never saw a notice regarding this neither was I aware of this collection because it was fraud done from a third party XXXX franchise store and according to XXXX I was not going to be charged. 

That is why I am writing to you cfpb team. The collection is completely inaccurate and fraudulent. My attempts of removing this collection has been unsuccessful and it has now appeared back on my Credit report. I would please ask that you help me remove this collection asap. 

I am a very responsible consumer and my credit health and worthiness is very important to me. I have 100 % payments on time and I always ensure that I am being responsible with any new loans or debt that I acquire. I always pay them back. This unlawful collection is hurting my credit score that I have worked so hard to build and maintain. 

Please help CFPB. I can only assume that I am a very little and small problem compared to all the complaints that you receive. But what has happened to me is wrong and it should not happen to anyone specially when I have been so responsible with my payments and credit. 

Sincerely yours
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the the process of purchasing a home and a retail installment contract is being incorrectly listed as a secured home improvement loan for {$7800.00} and is also showing as a collection account when it's a charge off account. I called on XX/XX/2018 and I was told the account was sold to a collection company, I called the collection company that bought it and they said they didn't have it anymore. On XX/XX/2018 I called the original creditor Castle Credit company and asked if they could send me a letter showing that it's not a home improvement loan but a retail installment. Castle Credit company then said they would send me something when they had time its like if i'm was going to pay. Because of these discrepancies on my credit report I can not proceed with my home loan.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen and i atthached the police report made by the following companies 1=XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, XXXX, I disputed how incorrectly XXXX XXXX XXXX ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, XXXX. This proves that this credit repository 's information is outdated and no investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2XXXX  ; indicating my home address was the same.
Product: Mortgage

Nationstar Mortgage has added two of my payments in the same month which threw off there system and I have been getting late payment notifications and harassment calls ever since. The worst part is they have ruined my credit score from 800+ to below 600. And now I can not get approved to invest in anymore real estate. I have never missed a payment and they refuse to address the problem. Next step is small claims court! **All payments have been saved and recorded since day 1 showing I have never missed a payment. All documentation is available upon request.
Product: Checking or savings account

{$890.00} is missing from my TD Bank Checking Account. On XX/XX/22 & XX/XX/22, I deposited money to my checking account bringing my balance to {$3700.00}. I got a teller check in the amount of {$1200.00} to pay my rent leaving me a new balance of {$2500.00}. On XX/XX/22, XXXX XXXX credited {$65.00} back to my Checking Account bringing my balance to {$2500.00}. On XX/XX/22, I paid my {$60.00} prescription with my TD Bank card lowering my balance to {$2500.00}. On XX/XX/22, I deposited {$1300.00} to my account. My new account balance after this deposit should have been {$3800.00}. Instead after making this deposit, my balance was only {$2900.00}. A difference of {$890.00}. I have no idea where this money went. I didnt withdraw it or charge it. So I sent an email to the Vice President of TD Bank. I want this amount restored to my account
Product: Debt collection

I have been calling this company sense XXXX of 2021 they will not return my calls I have also asked them to do an internal investigation which they have snowballed me for 4 months, I had XXXX and was in the hospital at the XXXX XXXX XXXX I called this company to let them know that I was sick and was told that my payment could be deferred sense I had a life treating illness the derrment was for three months and then you restart your payments and I agreeed to that so I asked them to get the phone records that they refuse to get and will not return my Phone calls and sent it to another collection agency and the price went up by XXXX dollars in 2 months they have lied about everything and to show the lies they have avoided me sense thmontheeen I call leave massages and they don, t call back for month, XXXX.
Product: Credit reporting or other personal consumer reports

Capital One has refused to send me a detailed bill regarding a debt they claim I owe. This was secured account which means that I put my own money into this account and they are asking me to pay them more money and I'm the one who put my money onto this account. This has been removed off of my credit, but they refuse to move it off of my XXXX report. This is my final attempt before I file a lawsuit against the company. Within these next 30 days if this is not taken care of there will be a pending lawsuit.
Product: Credit reporting or other personal consumer reports

I have disputed an inaccurate collection account on my credit report with TransUnion more than seven times. Despite my repeated efforts, TransUnion has failed to conduct a proper investigation into the disputed account as required by federal law. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies ( CRAs ) are legally obligated to investigate disputed information when a consumer provides a dispute. Each time I submitted my dispute, TransUnion has responded inadequately without addressing the inaccuracies or removing the account, which remains unverifiable and contains errors.

Additionally, the FCRA Section 609 ( 15 U.S.C. 1681g ) requires CRAs to provide consumers with all information in their credit file upon request, including the sources of information for any reported items. TransUnion has failed to provide clear and complete details regarding the origin and validation of the disputed collection account. The continued reporting of unknown and unverifiable information is a violation of Section 623 ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of credit information only report accurate and complete data.

TransUnions failure to correct or remove the disputed account after multiple verifications constitutes willful noncompliance under Section 616 ( 15 U.S.C. 1681n ), which provides consumers the right to take legal action for damages caused by negligent or intentional violations of the FCRA. I have provided all necessary evidence and communicated multiple times, yet they have not met their investigative obligations.

I am requesting the immediate removal of this erroneous account from my credit report and a complete and accurate disclosure of the information sources as required by law.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$230.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Mortgage

I contacted Shellpoint mortgage on XX/XX/year> and XX/XX/year> to ask for my mortgage escrow to be adjusted as I changed insurance carriers from XXXX XXXX to XXXX XXXX. This change resulted in a savings of {$8000.00}. My escrow adjustment was calculated off the old insurance. To date, I have not received an adjust and continue to receive mailed communications from ShellPoint that they need more time to look into the matter. I believe this is a delay tactic and needs assistance. Documents attached.