23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I tried to use this company as a prepaid way to build credit after a catastrophic financial situation and fraud. I prepaid for XXXX cards at {$200.00} each. I Have had problems making payments, I have had my accounts hacked and used unauthorized. I told them several times and had to get new cards as well. This has caused a problem with my credit, so I tried to close accounts after I disputed some of the charges. They didn't stop the charges, and they didn't close the account when I tried to do it online before I would have had any late fees. They did not even cancel the cards when I called months ago also not fixing the charges and fraud, they are reporting wrong to the credit bureaus that I owe money, and I am months late on payments. I have been a victim of fraud and financial exploitation, and I have had nothing but problems with these accounts, I can not afford to have this ruin my credit I have been rebuilding, I want them to close accounts and not bill me for these charges and over spending which was not me and I tried to get resolved, Hours on the phone and online trying to get this resolved. I want no reporting and erase the accounts on all credit buraus or positive reporting. Wrong reporting and not resolving this is wrong.
Product: Checking or savings account

They close my account because I didn't give them a lease agreement. It was the branch in Indiana who did it to me. There's not the first bank in Indiana to do something like this to me. I have to keep my actual address a secret. Because I have stalkers and people pain people to slander me. Take me out. Do whatever it tastes to make sure that I stay homeless. This is no joke. There's a proven paper trail and I'm tired of being homeless. I do nothing but do good. Build my credit and try my best to get out of my situation. It was branch managers being part of it for regions and old national because old national closed. My bank account instantly the next day. Because the branch manager was related to my sister 's husband so she closed that account and made it XXXX  's blacklisted in XXXX XXXX and now in blacklisted in XXXX, and I haven't even done anything nothing that goes against any other policies just hid my actual address. Which is not required to have a lease agreement. They tried to make it to where I didn't get my XXXX. They failed. I need the branch XXXX of the XXXX XXXX branch.The where I open the account needs fired i've been dealing with this type of stuff for 10 years. XXXX has allowed people to slander me, and now that i'm not getting on XXXX, just like before they're paying people to do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I rehabilitated my default student loans account and set up a monthly payment plan. I was told to start payments immediately because I was told that after 9 months of successful payments the account would be in " good standings '' on my credit report. In XX/XX/XXXX, I reran my credit to find that no payment information was ever recorded or reported to the credit bureaus. I called the U.S. Department of Education to find out why and they said I needed to fill out a rehab form and they would backtrack everything and it would be in " Good Standings '' once they processed the signed document I returned via mail. On XX/XX/XXXX I noticed no change, so I contacted them again. I spoke to XXXX ( XXXX ), she was very rude and explained that because I never filled out the form initially, which I never received, back in XX/XX/XXXX that it would be another 30-45 days from the day they received the form on XX/XX/XXXX before it would be placed in " Good Standings '' on my credit report. Ive already been reassigned to XXXX and told not to continue payments to the US Department of Education. This whole process has just been exhausting, Especially when I never received the form initially and when i brought up their mistake I was talked down upon and forced to wait even longer for this to come off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After enduring a lengthy and frustrating process, I demand that the Credit Reporting Agencies delete all fraudulent accounts and related information from my Credit File. It's astonishing how many times I have had to remind the Credit Bureaus that I was a victim of identity theft, and that the accounts in question are a direct result of that crime. I have repeatedly asked the Credit Bureaus to correct my Credit File by removing the disputed accounts, and have requested copies of proof of verification if they claim these accounts are mine. Despite my efforts, the Credit Bureaus have continuously failed to provide me with the documents I require. In addition to sending dispute letters and providing complete documents of proof of identity and Identity Theft Report from the FTC, I am submitting this CFPB Complaint to follow up on my previous complaint, and demand that the Credit Reporting Agencies take swift action and remove the disputed accounts from my Credit File before I am forced to take legal actions. Once again, I demand the following accounts be completely removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$32000.00}. If the Credit Bureaus insist that the disputed accounts were verified, they must provide me with copies of the documents I have requested. I expect prompt and thorough action to be taken, as this has been an ongoing issue that has caused significant stress and inconvenience. I trust that the Credit Reporting Agencies will do what is necessary to correct my Credit File as required by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX Please Remove Late payment account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX In accordance with the fair credit Reporting acreshvergent Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 403 consumer credit plan as late for XXXX and purpose. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost concern and frustration regarding the numerous, persistent attempts I have made to remove fraudulent items from my account with Credit Bureaus. Despite my repeated efforts, the resolution of this matter has been elusive, causing me significant distress and financial hardship. 

I discovered unauthorized and fraudulent transactions on my account. Since then, I have diligently reported the issue to your customer service department on multiple occasions. Regrettably, each attempt to address the matter has been met with limited success, and the fraudulent items remain unresolved. 

I understand the gravity of handling fraud-related incidents and the importance of a thorough investigation. However, the lack of progress and effective communication throughout this process has left me feeling unsupported and vulnerable. 

I urgently request the following actions to be taken : Immediate and comprehensive investigation into the fraudulent items on my account. 
Transparent communication outlining the specific measures being taken to address and remove the fraudulent transactions. 
Swift removal of the fraudulent items and a comprehensive review of my account 's security to prevent any further unauthorized transactions. 
Given the urgency of this matter, I expect a resolution within the specified timeframe from the date of receipt of this letter. It is crucial that the necessary steps are taken promptly to rectify this situation and restore the security of my account.

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel to protect my rights as a consumer. 

I trust that your organization takes matters of fraud seriously, and I urgently seek your immediate attention and action to address this critical concern. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with TransUnion. please delete an remove all inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion and XXXX  letters and a copy of my police report stating that my social security number was compromised and I am a victim of identity theft. My identity was stolen by XXXX XXXX XXXX who is currently behind bars. I sent the letters over a month ago certified mail. The tracking number for my XXXX  letter is XXXX. It shows XXXX  received my letter and police report XX/XX/XXXX. The tracking number for my TransUnion letter is XXXX. It shows TransUnion received my letter and police report XX/XX/XXXX. The tracking numbers are through USPS. Its been over 30 days and XXXX and TransUnion has yet to block these accounts from my report which is stated in the FCRA 605B that a consumer reporting agency shall block reporting of any information in the file of the consumer that the consumer identifies as identity theft. XXXX  and TransUnion has yet to do this which is a violation of my consumer rights. The man who stole my identity tried to apply for a lot of credit in my name which resulted in me having over 50 inquiries on my TransUnion report and over 90 inquiries on my XXXX  report.
Product: Debt collection

National Credit Systems sent me a letter that they intended to collect a debt for unpaid rent. I sent them a letter challenging the debt and they sent me back a copy of the lease and an invoice. 

My name was not on either the lease or the invoice provided as proof of the debt owed. They stated in their letter that they had validated the debt from the provided paperwork. 

They reported the collection to the big three credit reporting agencies. I was able to get XXXX to remove the collection, but the other two have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never agree to theses two companies to be on my credit report XXXX XXXX XXXX  and Synchrony financial I'm trying to build my credit not tear it down
Product: Credit reporting or other personal consumer 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 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I opened a claim with my Bank of America checking account due to unauthorized withdrawal transfers from my checking account to a company called XXXX XXXX I researched the company and determined they were some sort of prepaid card or money transfer system, but I have never done business with them and do not have an account with them nor have I ever had an account with them. There were several transactions that were debited from my checking account that I did not authorize totaling {$6100.00}. I spoke with customer service in the fraud department and opened a claim to dispute these charges, the claim number is XXXX, and was opened on XX/XX/2022. On XX/XX/2022 they sent me a message through their online banking " message center '' - not even a phone call or an email directly to me, to tell me that the claim was closed and marked " unable to pay ''. Here is a copy of that message. 

Message date : XX/XX/2022 Subject : Unable to pay. 
Please note : You can not reply to this message if the claim is in Resolved status. 

XXXX, unfortunately, we're unable to approve your recent claim. 

Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. 

For updates on your claim If you'd like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX  Eastern. Please have your claim number when you call. 

Thank you for your patience during our review. 



THIS IS RIDICULOUS BECAUSE I DID NOT AUTHORIZE THE CHARGES AND I CERTAINLY DID NOT GIVE ANYONE PERMISSION TO USE MY ACCOUNT OR CARD.
Product: Mortgage

Loan 2003 substandard loan high rate 9.75 % loan sold to XXXX then XXXX managed by Ocwen now by PHH no results account managers do not respond on line for hours. When phone is answered is agreed on never complied. We start again getting documents.
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 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXXXXXX 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: Vehicle loan or lease

Contacted Wells Fargo back 2018 about settling this account. Was told the account was to old it was in the best interest of the bank just to close the account without any payment. Now the account shows as settled for less or charge off. I Was rejected for a new loan due to this fact. In good faith please remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - account XXXX XXXX I believe is committing fraud. I have a credit report that I paid for and it shows alot of errors with this company. And then after I filled a complaint, all of a sudden, they changed the amount to get it to go along with the other 2 credit bureaus. I have proof of this and how they keep selling the debt to itself.
Product: Credit card or prepaid card

The problem seems to be with Synchronicity bank, I had fraud on a number My cards I havent wrapped my head around the big problem yet I also had an app fraud for my XXXX and they stalled my entire balance when I reported the Fraud to my JCPenneys card. The representative disconnected the call they sent me the statements that I requested but fraud never contacted me back. And they raise my interest rate to 27 % which I find completely agree just and theyre not mailing me my coupons that Im supposed to get and or they expire without my knowledge. When I take the coupon that comes with the statement it always says its been used. I really dont know what else to do. I have fraud on multiple cards related to synchronicity bank. Please help me
Product: Credit card

So my Apple Pay got hacked somehow but its been happening to a lot of people been trying to dispute it with the bank for over a year and they still have not got this resolved yet the bank is gold mans sach apples bank I have so many problems with them and they closed my account for no reason all because I told them I had a fraudulent charge on there and they dont want to fix it
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry that XXXX placed on my credit report on XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a hard inquiry can only be conducted with my explicit permission. Since I never provided consent for this inquiry, XXXX is in clear violation of federal law. If this unauthorized inquiry is not removed immediately, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the removal of this inquiry within 15 days of receiving this letter. Failure to comply will result in further action, including potential legal proceedings. 

A copy of my credit report highlighting the disputed inquiry is attached for reference. You may respond in writing to the address listed above. 

I demand immediate action on this matter. 

XXXX
Product: Credit card or prepaid card

Citibank decreased both credit limits on my card after a loan was reported as late on my credit report. I took out a loan for a family member that had a medical emergency and they couldn't pay the loan. The loan went past due and Citibank decreased my credit limit from {$16000.00} to under {$1000.00} on two of my cards. I have been a loyal and on time paying customer with Citibank for over 8 years. I settled the past due account to resolve my credit blemish and called Citibank to reinstate my limits. They informed me they would put in an application. After not hearing back, I called and they said an application wasn't submitted and I wasn't eligible. I called back several times and got different information. I became frustrated and felt they lied and were not willing to help. Months later, I got a letter with a number to call so that I could get my limits reinstated. After making several attempts to contact Citibank corporate, I never reached anyone and they never returned my messages. At this point, I feel like I did everything I could to resolve this matter and Citibank has been uncompromising and unhelpful towards a loyal customer.