23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
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/ XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX  / XXXX 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 EQUIFAX 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 were eliminated and not verified by others bureaus I don't 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: Mortgage

I refinanced and was assigned to TMS as my lender in XX/XX/2020. I made a payment to them and then my loan was transferred to XXXX XXXX on XX/XX/2020. My money paid to TMS didn't get transferred over and they said they have 60 days to transfer the money. After numerous follow ups, no one could tell me when my money would be transferred. It is now one week past 60 days and I still have no answer as to what has happened to my money. TMS won't give me any straight answers nor can they explain why my money hasn't been transferred yet. They have not been compliant with their legal obligation to transfer my funds
Product: Mortgage

During refinancing our mortgage, we were issued a mortgage refund check due to the account being closed. Check was issued XX/XX/2022 for the amount of XXXX 
We, didn't open that letter until XX/XX/2022 which was 180 days old and the check was void. 
XX/XX/2022 - I called the mortgage company gave them the details and I was told the check would be reissued but they would have to stop payment on the original check and to wait 7-10 business days before we would receive the refund check. 
XX/XX/2022 - another call to the mortgage company stating we had not received the check. She confirmed our mailing address for the check which was correct and further advised me she would have to stop payment and request a re issuance of the refund check. Wait another 7-10 business days for the refund check to arrive. 
XX/XX/2022 - still no check. I called and spoke to XXXX XXXX. I did email XXXX an attachment copy of the letter and initial refund check. She advised she could only stop payment and reissue another check. Wait another 7-10 business days. She could not give me a check number to reference should I need to call back. 
XX/XX/2022 - still no check. I called and spoke to XXXX, she advised the check was issued and sent XX/XX/2022 and had no explanation why we hadn't received it yet. Again, she could only stop payment and re issue another check. Asked me to call back in 7 days. 
XX/XX/2022 - I called and spoke to XXXX, she advised the XX/XX/2022 check had in fact not been sent. Further stating when the form requesting a re issue was submitted, if it is not submitted correctly and with accuracy it is rejected and returned. She sees that this occurred with the XX/XX/2022 check. XXXX reassures me she had correctly resubmitted the request for the refund check and she offered to call me back to make sure I had received the check. We agreed on her follow up call to be Friday, XX/XX/XXXX. 
XX/XX/2022 XXXX called and left a voicemail, which I have a screenshot of the voicemail stating the original check had been cashed in XXXX and for me to call her back for more information. 
XX/XX/2022 I called back and reached XXXX XXXX, I asked to speak to XXXX. XXXX states she is a call center and no way for her to know XXXX nor reach out to her. I go through the whole scenario again, and she puts me on HOLD> XXXX states the check was cashed in XXXX for the amount of XXXX ( I don't recall the specific amount ) I advised XXXX that these details of her information were not correct. After a few minutes on HOLD, suddenly, XXXX states she is unable to transfer me to XXXX and tells me she must be at lunch and not a break so she is unable to transfer me to XXXX. 

As of today, I have not received the refund check and I have not received further communication. 
I did not receive another call from XXXX on XX/XX/XXXX as agreed upon. I am DONE contacting the mortgage company and hoping you can follow up and resolve this for us.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

LVNV FUNDING LLC SENT " STATEMENTS '' WHICH ARE NOT ORIGINAL CONTRACT/SECURITIES SIGNED BETWEEN TWO PARTIES.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank concerning their lack of action in reopening an investigation regarding a chargeback. Despite repeated attempts on my part to resolve the matter, Synchrony Bank has neither reopened the investigation nor attempted to reach out to me for further clarification. 

Details of the Incident : Transaction Information : Date of Transaction : XX/XX/year> Transaction Amount : {$750.00} Merchant : Amazon Issue Overview : I initiated a chargeback with Synchrony Bank after returning items in the amount of {$110.00} and {$89.00} which where XXXX XXXX  to Amazon. Despite providing all necessary documentation and proof of return, Synchrony Bank has failed to conduct a proper investigation into the chargeback.

I have made multiple attempts to contact Synchrony Bank through their customer service channels, but I have not received any meaningful response or assistance.

Given the seriousness of this matter and its implications for consumer rights and financial well-being, I urge you to intervene on my behalf. I seek your assistance in ensuring that Synchrony Bank reopens the investigation promptly and conducts a thorough review of the chargeback. 

A complaint was submitted in XXXX which the company closed with no resolution. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts to uphold consumer protections.
Product: Credit reporting or other personal consumer reports

Equifax has violated my consumer rights. They have willfully violated by recklessly and knowingly caused harm to me I disputed ATTORNEY GENERAL ACCOUNT {$52000.00}. They deleted this according to complaint Id XXXX on XX/XX/2024. This item was an erroneous account showing as a credit account which I never applied or gave consent for and was a violation of 15 USC 1681b and 15 USC 1681c-1,15 USC 1682c-2 The information has now been reported again as of XX/XX/2024, Violating my Consumer rights under 15 USC 1681s-2a1a reporting information with actual knowledge of errors - 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner I will be seeking litigation in accordance to 15 USC 1681n and 15 USC 1681o in monetary compensation for $ XXXX and the permanent removal of this error. 

I have hired a consumer protection lawyer with the intent to file a lawsuit immediately For actual damages, punitive damages, statutory damages and emotional damage
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 XXXX 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 am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. The following are the accounts in question : 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/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was called at work by Crestwood management at XXXX. They threatened legal action for a pay day loan received in 2014, over 7 years ago and past the statute of limitations. When I refused to pay they stated " See you in court '' and very rudely told me to hang up. When I informed them that I was going to file a consumer complaint the person on the other end asked me, " are you having fun yet? ", laughed and hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a major error that is linked to multiple negative items being furnished on my credit report. 
XXXX XXXX XXXX is not an establishment that i have ever worked or have any affiliation with. 
this is a clear ERROR or someone elses information on my report. 

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

Subject : Request for Removal of Fraudulent Accounts and Inquiries Due to XXXX Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear TransUnion Consumer Services, I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. I am a victim of the XXXX data breach, and as a result, my personal information has been compromised. In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that TransUnion block and permanently delete the accounts and inquiries listed below from my credit file. 
Accounts to Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hi, I have a finance background and am concerned with some behavior I have witnessed from Fidelity in the last few months. 

Fidelity has a partnership with Elan financial to offer credit card and balance rollovers. I replied to a teaser of 18 months with 0 % APR. The balance rollover didn't go through ( they claimed for some unknown reasons ) and I tried to call multiple times to fix it. It took many hours to get them on the phone. Even just to activate the card took hours collectively to fix the issue ( I gave up 30 minutes on hold several occassions since they provided no information about wait times or my place in line ). This is a deceptively low level of service only revealed to customers after they open the line of credit, and I think they just wanted to have me open the account without fulfilling their promoted offer and end of the deal. Further, they used my Fidelity investment account information to make the offer to me, so I tried calling that branch and they said that they can't help me at all and it's all Elan. I told them about the impossible hold times and they didn't care. I find this behavior borderline bait and switch and believe this could harm some consumers. 

Today, I was able to make progress on this issue, but it collectively has taken many hours of my time and seems borderline. Only because of my persistence and understanding was I able to navigate this. Note that I am not worried about their holding up their end of the deal for me, as much as I am worried about other customers. 
I am persistent and have wasted much time fixing this, but I doubt this will be true of their other customers. If the barrier is systematic this strikes me as a problem. ( I acknowledge I could have gotten incredibly unlucky in my interaction with them ).

However, their online reviews seem to suggest they have a history of this. For example : XXXX XXXX XXXXXXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus told me that XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Debt collection

I paid off my balance in full one day past the due date due to login issues with the company. I had 0 % promo. Paid off early and because the company doesnt have autopay and an unreliable website/app I was assessed back interest for being late 1 day and they are assessing fees now on top of that interest. Ive tried to settle and they refuse to waive the fees or explain why interest was charged when I paid it off in full prior to the end of the agreement. They are compounding fees and making it appear as if Im a negative payer of against the debt I paid ahead of plan.
Product: Debt collection

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Wells Fargo Auto. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - XXXX of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report from XXXX, XXXX  and XXXX XXXX and an unauthorized entry from NATIONAL CREDIT SYSTEM. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2020. NATIONAL CREDIT SYSTEM has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.