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

On XX/XX/2021 I applied for a secured credit card with XXXX XXXX Credit Card issued by Synovus Bank, XXXX, GA, member FDIC. The card was secured by a deposit of XXXX that was deducted from my checking account that same day. On XX/XX/XXXX I checked the status of my credit card. The website listed my deposit as pending and the credit card issuer had yet to receive or accept my deposit. I found this strange as the deposit was taken out of my account on the XXXX. I called the number that was very difficult to find and after speaking to 3 different people who all asked me for the same exact information and proceeded to transfer me to XXXX who supposedly needed to verify my personal information once more before my card could be approved. After verifying my information once more XXXX informed me that my deposit was accepted and my card was approved but I would need to call back in 24 -48 hours to confirm. I found this process odd and asked XXXX why did I the customer need to call back in order to finalize approval? XXXX told me that was the process and that was standard procedure. At this point I accepted what he said but asked for a supervisor. XXXX repeated that my card was approved and just to call back in two days. I told him the entire process seemed odd for a bank and that I was simply uncomfortable with the entire process. He repeated that I had been approved and to call back in 24-48 hours. I asked him for his full name which he seemed reluctant to give me. At this point my instincts told me something is no right but I ended the call. A few minutes later I called the same number again in hopes of getting through to a supervisor. Now that same number only keeps you on a continuous loop and you can not get to a real person. I tried calling the parent bank multiple times and waited on hold for 45 minutes before hanging up. What kind of bank operates like this? I then did something I should have done initially and researched the card and the bank. I found that this credit card issuer is very shady and there are many lawsuits in it's history. I made one last attempt to call the original ; number i was able to initially get through on and was only able to get a continuous loop and am unable to speak to a live person. The number I called was XXXX XXXX XXXX XXXX. The website of this company is XXXX XXXX XXXX I wish to file a complaint and seek to recover my deposit of XXXX immediately. The business practices of this credit card issuer seem to be a type stalling tactic in order to keep your money as long a possible. These people should not be in business!
Product: Checking or savings account

I was with current bank I had money returned to my account when I was XXXX while being XXXX  someone made a XXXX $ XXXX charge along with XXXX $ different frivolous charges I sent my current bank proof of XXXX and XXXX told me because the charge was not made through my XXXX account the bank ( current ) would have to file a claim to find out who used my card. Current told me there was nothing they could do so I have been fighting back and forth with them for 2 years over this and have not received one XXXX back. I cant even get my money back because my card was used on someone else 's account with XXXX and they can not tell me who they could only reimburse the bank I told current this and they still refuse to give me any bit of my money back. I think current bank are a bunch of scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

OnXX/XX/2020I purchased a plane ticket using my credit card to fly from XXXX XXXX to XXXX XXXX, and returning for {$480.00}. The amount was posted on my credit card on XX/XX/2020. However, due to the Covid 19 pandemic the countries of XXXX and XXXX cancelled flights due to the pandemic. I was planned to go in XX/XX/2020, but due to the flights being cancelled I filed a credit request to my credit card company. On XX/XX/2020 the credit card company ( Capital One ) provided a credit for the full amount. But on XX/XX/2020 the credit card company charged the airfare again ( rebilled ) for {$480.00} claiming I had not provided enough evidence to substantiate my claim. I proceeded providing documents that showed USA had restricted traveling to other countries. I also provided documentation showing the Center for Disease Control had asked travelers not to travel to XXXX and other countries. I also provided documentation showing XXXX had closed its airports for traveling. I have called several times Capital One and provide the evidence they requested but they refuse to provide me the credit for a service I never used since I had cancelled my traveling plans directly with the airline company ( XXXX XXXX from XXXX ). Please help me with my case. Thank you so much!
Product: Payday loan, title loan, or personal loan

In XXXX i have purchased my house furniture from XXXX in XXXX XXXX at that time salesman soled all the furniture to me and have me approved with their XXXX credit card my community bank and told me you just simply make payments on this and afterwards when you done with payments you will have this credit card for future use for future purchases as that i was doing so and now in last XX/XX/XXXX i see {$4000.00} interest charged on it and when i go in the showroom to see whats going on then that salesman no longer works their and they told me that was a plan that i have to pay whole amount in 4 years or they charge me interest for whole period this thing that i was not aware of and the salesman didnt mention that when i was buying and now i when i had {$2000.00} left they putt {$4000.00} more as interest and i have no where to go
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 there is inaccurate reporting information on my XXXX, Transunion, and XXXX credit report. My name is incorrect and missing generation identifiers. The law prohibits the reporting of inaccurate information reporting and must be removed, not updated by law. There are several accounts across my credit reports with variations of a name similar to mine but not me. These accounts need to be removed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Violation- noty mine accounts are inaccurate PO report XXXX No knowledge
Product: Vehicle loan or lease

XXXX I am attaching auto insurance denial, idk why no one at Santander has this...
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. please see enclosed documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a collection a collection account. 

ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that does not belong to me XXXX XXXX and XXXX XXXX XXXX  needs to be deleted from my credit report.
Product: Credit card

Ive only ever had a XXXX XXXX card. Looks like someone tried to open a card up under my name which wasnt me actually opening it up. Checked my credit report and saw this was there.
Product: Credit card or prepaid card

Synchronydoesnotsendanynotificationsaboutpaymentduedates.Alsowhenloggingin,yourpaymentduedatewillnothaveanyalertwhatsoeverthatitislate.Iwaschargedalatepaymentthatwasdueintheamountof&{$22.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit reporting information. Which is against the Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I SETTLED 3 ACCOUNTS WITH XXXX. BOTH XXXX  AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY EQUAFAX HOWEVER IS STILL SHOWING 2 OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION
Product: Debt collection

To Whom It May Concern : I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.
Product: Mortgage

This new complaint is in response to the misinformation that PHH supplied you with regarding my previous XXXX. All of the items are addressed in my letter which is attached Ombudsman letter XX/XX/year>. This complaint is that PHH Mortgage and their attorney XXXX XXXX has started a premature and predatory foreclosure action against my mothers home. They have not been communicating with me despite being given a copy of my mother 's trust showing that I am the successor trustee. They claim that a few pages of my mother 's trust were missing and began a foreclosure action with out notifying me. I emailed them the only two items they asked for the trust and death certificate on XX/XX/year>. I had confirmed with them that they had everything on XXXX XXXX and was assure all was well. I was told I had until XX/XX/year> to sell the home or ask for a 90 day extension. If I needed the extension, it was best to ask early. When I called in to request my first 90 day extension as allowed by HUD, they told me they had begun foreclosure due to missing pages in the trust. NO ATTEMPT was made to e-mail or call me. They claim they made 1 attempt to call me and my phone was disconnected. This is an Out & out lie! I have had this number for 20 years and it has NEVER been out of service. I was by the PHH rep that I had until XXXX to provide a listing agreement, the full trust and proof of funds that I could pay off the mortgage. ALL of these items were provided ahead of the deadline. I also call their attorney XXXX XXXX and they said I had until XX/XX/year> to provide these items. ALL items were provided on XX/XX/XXXX & & via e-mail to both parties. In addition hard copies were delivered to PHH, the Investor XXXX and XXXX XXXX on XX/XX/year>. All well ahead of the deadline. Despite this XXXX XXXX file the first NOD on XX/XX/year>. When I called them out on this they rescinded that NOD on XX/XX/XXXX and refiled a new NOD on XXXX XXXX. Both parties knew they had all of my documentation, but both parties chose to sit on it and respond later that it did not come in time. I have provided e-mails and letters that were sent out showing they had the documents ahead of time and they could and SHOULD have cancelled the foreclosure. They later went on to say that the listing agreement was blank. That is not true. You have a copy of the agreement attached.
Product: Consumer Loan

While XXXX in XXXX I found out that my car loan was sent to debt collection for late payments over 90 days. The vehicle was paid every month. The company states no payment for the last year and charged off as bed debt. Purchased in XXXX XXXX XXXX in XXXX of 2012 through XXXX XXXX XXXX in XXXX, OK. Paid as agreed every two weeks. Amount was automatically paid out of our bank account with no issues. I was notified by TD auto Finance after calling in to add money to the principal that the account ( # XXXX ) was not paid for a year and has been charged off as bad debt. I have proof that the money was being taken from the bank account, and am a loss as to what happened to a years worth of payments. I have received nothing in the mail to inform us of late payment or that the vehicle was charged off until requesting more information on my end. After asking to speak to a supervisor I was sent to voice mail box for the manager of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never signed a contract with XXXX XXXX XXXX They have failed to provided any debt validation on this account.
Product: Debt collection

HI THERE, I HAVE CONTACED TO CONVERGENT OUTSOURCI # XXXX. I TOLD THEM IN WRITING THAT THE XXXX XXXX ACCOUNT WAS OPEN DUE TO FRAUDULENT ACTIVITY. I NEED GOVERNMENT HELP
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX  ACCOUNT # XXXX {$360.00} XXXX XXXX  ACCOUNT # XXXX {$1000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX XXXX XXXXACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX XXXXXXXX _ ACCOUNT # XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} 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 consumer reporting agency can not furnish an account without my written instructions.