23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Gas company wants me to pay XXXX for services that occurred after I sold the property. I called and let them know I was moving and they still send me bills.
Product: Credit reporting or other personal consumer reports

**Complaint Summary for the Consumer Financial Protection Bureau XXXX CFPB ) ** **Consumer Information** **Name** : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX **Subject** : Unauthorized Reporting and Selling of Personal Information **Details of the Complaint** : I am filing this complaint against the following companies for the unauthorized sale and reporting of my personal information without my consent : 1. **Credit Reporting Agencies Involved** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have collected and sold my personal information, violating my consumer rights under **15 USC 6802** ( regarding the privacy of consumer financial information ) and **15 USC 1681** ( Fair Credit Reporting Act ). I did not grant permission for any of these companies to sell, report, or share my personal information. 

**Demands for Action** : I demand the immediate removal of all information listed below from my credit report, as it has been reported without my consent and contains inaccuracies : XXXX. **Incorrect Name** : - The name XXXX XXXX is incorrectly listed on my credit report. My correct name is XXXX XXXXXXXX XXXX Remove all references to XXXX XXXX from my profile immediately. 

XXXX. **Incorrect Addresses** : - The addresses XXXX XXXX XXXX, XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Texas XXXX are incorrectly associated with my profile. Remove these incorrect addresses immediately. My correct address is XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. 

XXXX. XXXX XXXX XXXX XXXX : - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Term** : 54 months - **Balance** : {$18000.00} - **Original Balance** : {$20000.00} - This account is inaccurately reporting late payments in XXXX and XXXX and XXXX of XXXX, along with a repossession in XXXX and XXXX of XXXX, and a charge-off reminder for the remainder of XXXX. It also shows a charge-off for XXXX, with a written-off balance of {$18000.00} past due as of XX/XX/XXXX. This account must be investigated and corrected, and any unauthorized reporting must cease immediately. 

XXXX. **ED Financial Services Account** : - **Account Number** : XXXX - **Balance** : {$1800.00} - **Original Balance** : {$1500.00} - **Date Opened** : XX/XX/XXXX - The information listed for this account is incorrect and violates consumer rights under **15 USC 1682** ( Fair Credit Reporting Act ). This account must also be removed from my report. 

All inaccuracies and accounts reporting information without my consent must be removed from my credit profile immediately. These actions violate my rights under federal laws concerning credit reporting, including **15 USC 6802**, **15 USC 1681**, and **15 USC 1681i**, which requires credit reporting agencies to conduct reasonable investigations of disputes. 

I request the CFPB to investigate these violations and take appropriate action against the involved parties to ensure my consumer rights are upheld. 


Thank you for your attention to this matter. 

XXXX XXXX
Product: Credit card

Synchrony Financial closed my credit card account due to long term inactivity without providing me any notification that the account would be closed. I understand that those are within the terms of the account. What I do n't understand is why Synchrony does n't seem to care that this is a very frustrating experience for me as their client. I wanted to use this card but was unable to find it, so I called the service number on XX/XX/2016 to report it as lost. The system stated to me that my account was closed on XX/XX/2016 due to long term inactivity. The first person I spoke with said that it would be impossible to reopen the account. I also spoke with an escalation specialist who stated to me that the typical duration of " long term inactivity '' was 24-36 months, and that my account was inactive for 12 months. When I pointed out that this was inconsistent, she changed and said that 12 months also would be considered long term inactivity. She said that no person within the entire company has the ability to reopen my account. 

I understand that Sychrony Financial mitigates risk by closing inactive accounts. I also understand that within the terms that I agreed to when I opened the account, Synchrony Financial reserves the right to close the account anytime without notice. My complaint is that this provides for a horrible customer experience. Does n't Synchrony Financialwant my business? Apparently not. Although I did not use the account for a full year, I planned to use the account when it was financially reasonable to do so. Is n't that the type of customer that Synchrony Bank wants? A financially responsible customer who will use the card and provide payment processing revenue to the bank without eating away revenue with unpaid principal balances? Synchrony Financial would a least do well to notify their customers that their accounts will be closed. Of course they do n't have to according to the terms and conditions. But why do n't they want to develop a good relationship or experience for the customers that they already have? 

I was invited to apply for a new account with Synchrony Financial. This is not an appropriate resolution in this case because it has been less than 45 days since my account was closed. I believe this to be a reasonable amount of time for my account to be eligible to be reopened. I wish to use is card to maintain my good credit, and I do n't want an inquiry on my credit to use an account that I already had. If Synchrony Financial had notified me that my account was in danger of closure due to inactivity, I would have used the card.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought two gifts cards from a store in XXXX. They were XXXX XXXX cards, and XXXX told me that the gift cards were fraudulent and already applied to another user 's account. They advised me to contact my bank. When I contacted Citibank ( Sears Mastercard department ) they initially processed the claim but then reverted the credit without providing me any information. Then over phone and secure messaging, I have been provided false information again and again, after several complaints, I received a letter which was stating that, the merchant doesn't accept returns on gift cards. My case was never about the returning the items, I provided them all of the information and email exchanges with XXXX. Now, either the people on the customer service has no idea what's going on or they only reply to my messages on average 10-15 days. Now, they claim it is too late to respond to the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report through Equifax in which I did not authorize. I have contact the companies and they told me to contact Equifax. However, when I disputed through Equifax they stated that they could not do anything. The following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Was ordered to go to court. The judge cleared it. Still being harassed. Threats to take future property and garnish wages
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX Bal- {$XXXX}, opened : XX/XX/XXXXXXXX XXXX XXXX {$XXXX} XXXX/ XXXX XXXX XXXX- ACCT # : XXXX XXXX XXXX {$XXXX} XXXX XXXX : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX Card - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX/XXXX  XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my greatly protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 t
hen 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: Checking or savings account

I received a letter from wells fargo with them offering me medication. Wells fargo told me that it could be any issue that i had with them. I sent in my problem i had with them. I received a updated letter with them stating that they would not proceed with medication, because of the issues that I raised was not regarding the unauthorized account opening.
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 XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my Transunion report specifically occurring on XX/XX/XXXX, I asked TU to remove but they did not.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Late Payment Reporting To Experian and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020
Product: Debt collection

This bill was paid by my insurance in 2009 and want this bill to be removed from XXXX report
Product: Credit reporting or other personal consumer reports

My loan matured XX/XX/2023. It took First Citizens bank 6 months to complete the modification. During this time I continued to make monthly payments. First Citizens failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 First Citizens Bank still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that First Citizens took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from First Citizens stating that their records were accurate and no correction would be made. It was of no fault of mine that it took First Citizens 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
Product: Debt collection

on XX/XX/2021 I received a letter from XXXX XXXX saying that my personal information including my medical records had been compromised on a cyber security hacked into their system on a letter that I will attach with this dispute. I had gotten multiple letters from transworld systems including medical records but when I ask them for medical release records in which I authorized third parties to have my medical records they totally ignore my dispute to the point that they are sending the same illegal and law breaking letters and just changing the date but still have the same response without providing medical releases. ON THIS DISPUTE I DEMAND TRANSWORLD SYSTEMS TO SEND ME MY MEDICAL RELEASES WITH AN AUTHORIZE SIGNATURE EITHER BY ME OR XXXX XXXX XXXX XXXX XXXX XXXXXXXX. IF TRANSWORLD DECIDES TO IGNORE THIS DEMAND I WILL HAVE NO OTHER OPTION BUT TO SEEK LEGAL COUNSELING. HOW DO I KNOW THAT TRANSWORLD SYSTEMS ARE NOT THE CYBER SECURITY HACKERS IF THEY CAN NOT PROVE OTHERWISE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : DEPT OF ED - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX  XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised. 
Please block and delete the following accounts from my credit report : Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

XXXX I was closing a deal on house was working with real estate agent I text the real estate agent to confirm the wire information she confirmed i sent the money couple hours later i found it was a scam / fraud so i call chase bank same day to cancel the wire on XXXX i got the recall code : XXXX XXXX also got a claim number Claim : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Product: Credit card or prepaid card

I have tried multiple times to contact Macys regarding the closure of my account. Each time I call, I am told by a customer service agent that a manager will investigate my account and call me with results within 3 business days. And I never receive a call. I have told them I am happy to make the payments once someone resolves the issue at hand build no one follows through. My Macys account was closed by the store because they claim I called in and demanded they close my account. I promise you, if there was such a call, it was not me. I have had it with Macys and their lies. I need them to open my account back up and take these lies off my credit report once and for all. AND HOW CAN THEY CLOSE MY ACCOUNT IN XXXX IF IT WAS CLOSED THE MONTH BFORE. The customer service is terrible. The follow through is garbage. All I asked was for someone to listen to the call that was made in XX/XX/2021 when I supposedly called in. If anyone does that, they will clearly see it was someone pretending to be me. But they probably lied about that too! This needs to be fixed because I have worked too hard at rebuilding my credit just to have it destroyed over a companys lies!
Product: Student loan

In XX/XX/XXXX I submitted my first IDR application. Again in XXXX I submitted my IDR application to them. In XXXX I went through the student aid web page and submitted it again. MOHELA has sent me a bill for over XXXX a month which is half of my pay check. Also last year they told me I only had XXXX more payments to make for the XXXX service forgiveness. Now they tell me I have XXXX more payments to make. I work for the XXXX XXXX XXXX and have since XXXX I don't know how I'm supposed to pay my other bills, buy food when they want over XXXX month. At this point I might as well live on the streets. How can they not approve my IDR I only make XXXX a year?
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires I didn't not authorized. 

XXXX XXXX XXXX  XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22
Product: Debt collection

Portfolio Recovery harrass me with consistent phone calls from multiple numbers multiple times a day, I already sent in a monthly agreement and pay them a monthly amount to pay off debt and get a paper statement to prove that
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX