23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an XXXX XXXX account with Synchrony Bank on XX/XX/XXXX, with an account ending in XXXX. On XX/XX/XXXX, I received a call from Synchronys fraud investigation team regarding a fraudulent transaction for {$10000.00}. I informed them that I did not authorize this transaction, as I had not yet physically received the card. They mentioned the card could have been sent to a mailbox, and I promptly filed a fraud claim. I also requested that they close the account and send me a replacement card, which they did through XXXX on XX/XX/XXXX. I activated the new card on XX/XX/XXXX. 

To my surprise, I later saw the fraudulent transaction appear as an account transfer in my new card account ending in XXXX. Synchrony Bank has conducted three investigations so far, each time closing the case and stating that I authorized the transaction and benefitted from it. I find this completely unfair, as I had not received the card and had not authorized the transaction. The investigations are not thorough or impartial, and they close after 30 days without addressing my concerns. 

I have provided all requested documents by mail and fax, including a police report from the XXXX Police Department ( case # XXXX ) dated XX/XX/XXXX, but the bank continues to close the investigations for incorrect reasons. Its becoming increasingly difficult to explain to the fraud investigation team that I am not satisfied with their decision, as I did not physically have the credit card to authorize the transaction. I feel the bank is unfairly debiting my account when they should be investigating the merchant and the person who received the product or service. For these reasons, I am filing this complaint in hopes of reaching a just resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the presence of fraudulent accounts and inquiries on my credit report due to identity theft, which I believe is connected to the XXXX data breach. As a victim of identity theft, my personal information was compromised without my consent, resulting in the unauthorized use of my information to open accounts and initiate credit inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to have all fraudulent information resulting from identity theft removed from my credit file. I have provided XXXX with a valid identity theft report and the required documentation to support my dispute, as mandated by this law. However, XXXX has failed to promptly and properly remove the fraudulent accounts and inquiries as required by law. 

This violation not only disregards my rights under the FCRA but also exacerbates the harm caused by the XXXX data breach. I am requesting immediate action from the CFPB to ensure compliance with federal law by XXXX, including the removal of all fraudulent accounts and inquiries from my credit report and ensuring no further harm results from this data breach. 

Attached to this complaint, I have included : 1. My identity theft report.

2. Supporting documentation such as correspondence with XXXX. 


3. A list of fraudulent accounts and inquiries appearing on my credit report. 



I respectfully request that the CFPB investigate this matter and hold XXXX accountable for its obligations under FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage incorrectly reported my loan being late 30 days, after contacting XXXX Mortgage they provided me a letter to aid me in correcting the report quickly. XXXX XXXX and XXXX corrected the error and Experian is still not correcting it. I have called Experian 3 times and when requesting to speak to a manager have been told that no one is available, and even been argued with and refused to allow me to speak to a manager. 

It has been over 30 days since I submitted the complaint and still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My ex wife XXXX XXXX XXXX starting roughly in XXXX XXXX opened multiple accounts using my identity one was closed already with XXXX XXXX  and another was closed with XXXX XXXX XXXX shortly after I found out she and her husband both ( XXXX XXXX XXXX opened multiple credit cards and a retail shopping card in my name and had 16 hard inquiries put on my credit Ive done all I could to get them arrested for identity theft but heard nothing back. Now it seems I have three accounts still on my credit in collection from them and its totally ruined my life my integrity and dignity being Im on XXXX and live on fixed income I was injured from the work type i preformed all my life my credit was in route to becoming decent so Ive had two removed and need help dearly please with a XXXX XXXXXXXX account and a XXXX XXXX account and another called XXXX XXXX all totaling roughly XXXX thank you very much god bless.
Product: Debt collection

On XX/XX/2021 I filed a complaint about Eastern Account Services, a debt collector, to the CFPB. My complaint case number is XXXX. On XX/XX/2021 the CFPB sent me a response from Eastern informing me " Eastern Account System has ceased all collection activity per your request '' and closed the complaint. This afternoon, XXXX XXXX from Eastern Account System, called me about this same debt that is not owed. He claimed he has no notes in his system that they dropped the claim. I forwarded to him the case response I received from the CFPB. 

Please contact them and ask them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ( still have showing ) a delinquent credit account from XXXX XXXX XXXX XXXX out of XXXX, IL for an old credit card debt reported as {$1300.00} showing on a few credit reports, specifically experian. I tried to pay the debt to XXXX XXXX in XX/XX/2023 and they informed me they sold the debt to a collections agency, Keynote Collections. They gave me their contact info and I contacted them and paid the debt in full with the assurance that they would report the debt as paid to XXXX XXXX at the end of the month and then XXXX XXXX XXXX XXXX would update my credit report/file. In the beginning of XXXX I contacted XXXX XXXX XXXX XXXX XXXX asking for verification the debt had been paid and they said they still hadn't received payment from the collections company. I contacted XXXX Collections again to verify if they'd notified XXXX XXXX XXXX that I paid my debt to them. They informed me verification wouldn't be sent until the end of THAT month which was now XXXX, so they would be sending verification a month and a half after I had paid my debt to them. It's now XX/XX/XXXX, I opened another dispute with XXXX to dispute this item on my credit report. They closed the dispute within 1 day claiming that the account information was verified and updated. Nothing has changed. Basically they're falsely reporting a debt as " charged off '' when I've paid the debt in full. It's fraud what XXXX XXXX XXXX and Keynote Collections are doing. They're failing to report a debt that I've paid and I have documentation showing that I've paid said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX 2022 I closed on a home at XXXX XXXX XXXX in XXXX AL XXXX. My lender was XXXXXXXX XXXX XXXX. About a month after I received a letter saying my servicer was going to be specialized loan servicing care of XXXXXXXX XXXX. All seemed well. I had a credit score of XXXX in XXXX of 2022. Recently, my only auto a XXXX XXXX XXXX finally reached the XXXX mile mark and I spent a few weeks looking for a reliable used auto. I contacted my bank to pull credit and the lender a firm XXXX XXXX XXXX XXXX XXXX ( my bank ) said that your credit report does NOT show any history from or for a mortgage that you are describing. All that we see is student loans in forbearance and credit cards paid as agreed. I immediately contacted Specialized loan servicing in XXXX, Colorado and they told me after a two month blackout we have been reporting to all three credit bureaus. I returned to XXXX and told them what I was advised by Specialized loan servicing. XXXX said sir, we have your credit report. They are NOT reporting anything. Your credit score is XXXX and that basically means we can only approve you for auto loans at 18 % interest. XXXX XXXX  when questioned told me I must submit a letter in writing detailing my concern. They have not provided any evidence that they ever provided any credit reporting data to any of the 3 major credit bureaus. Consequently, if I elect to purchase the vehicle 18 % interest on {$30000.00} is an incredible risky hardship on a depreciating asset. This causes me financial concerns and raises suspicion that this firm is a predatory lender.
Product: Debt collection

I had XXXX service for television, internet, and phone in a townhome I owned in XXXX. I sold that property to move into a XXXX, XXXX in XXXX, IA. I contacted Moving Matters, a moving company that specializes in moving seniors into retirement communities. They pack, help downsize, and their designers set up your apartment in the community. I had a cable box, modem and all the hookups needed for the above service. I assumed it was all packed and taken to the XXXX. I checked with the moving company and they said their records showed all items moved as promised. However they told me I would not have needed a cable box at XXXX as the cable was sourced through XXXX. If a resident had a flat screen no cable box was needed. I know I was using the same modem as I used in XXXX or one very similar. ( Model Name-XXXX, XXXX, XXXX ) I lived at XXXX very close to a year and for personal reasons decided not to stay after my grace period of 365 days. In all the time I lived there I was never asked about the cable box or any of the equipment issued to me in XXXX. I still maintained the internet and phone so XXXX had my address and contact information. 

I had lived in XXXX for at least four or five months when I got my first collection letter. This letter was my first knowledge of this debt. 
Date XX/XX/XXXX ; Original Creditor-XXXX ; Account # XXXX I have the Modem ( Model Name-XXXX, XXXX, XXXX ) in question and a HDMI cable that is XXXX 's I think. I do n't know what happened to the cable box from XXXX. Common sense tells me it was in my apartment when XXXX set up my XXXX system. I was not missing anything other possessions that I had marked for the moving company. 

I have several problems with this claim. 

1. If it is customary to return these items and the information I received with the present system made it clear that is the case, why was I not asked for the XXXX Cable box, Modem and other hardware when I left XXXX? 

2. What was used to hook up my system in XXXX? I would like to see the records of the installation in XXXX to check the Serial # of the modem used against the serial # of the modem installed in XXXX. 

3. Did the installers see the XXXX cable box when they hooked up XXXX. XXXX has assured me that XXXX does all the installation. 

XXXX only handles the equipment they use to distribute the signal. So their technicians would not been involved in my apartment set up. 

4. Why was I not notified of this debt before it got to collection?
Product: Mortgage

21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EQUIFAX, XXXX, and XXXX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX, XXXX, AND XXXX had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : 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. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : 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. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that EQUIFAX, XXXX, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Product: Money transfer, virtual currency, or money service

I purchased a truck, utilizing XXXX XXXX XXXX  for the loan/ Lien.XXXX XXXX XXXX notified me they had not received a payment as of XX/XX/XXXX. I sent a payment via KeyBank bill pay XXXX XXXX In the amounts of XXXX $ I Input the correct address. ( I was out of state and when I returned home started contacting key bank ) XX/XX/XXXX spoke with dispute specialist XXXX. She stated the payments were sent. I called XXXX XXXX, with XXXX XXXX XXXX merged the phone call with KeyBank, and he was given permission by me to search the routing number, as the funds were not received at XXXX XXXX. XXXX found that the funds were routed to XXXX XXXX XXXX  XXXX. We relayed this information to XXXX. Multiple calls were made between KeyBank and XXXXXXXX XXXX XXXX After a week, on XX/XX/XXXX with no satisfactory responses, I filed a letter of complaint to my bank branch KeyBank XXXX and XXXX XXXX XXXX. it was received by XXXX XXXX, and subsequently the VP branch manager XXXX XXXX. As they were giving me a month for response, I went home and called key bank HQ. Spoke toXXXX in dispute dept. She ended up transferring me to XXXX in fraud hotline. She forwarded me to XXXX in case analysis OA. She stated she would call me back after lunch. I received a call at XXXX XXXX  from XXXX. I was told that XXXX and XXXX found the funds in the returns area. With XXXX on merge call and my husband listening in, they told me ( my most recent payment on XX/XX/XXXX ) would be at XXXX XXXX tomorrow, and the other 2 payments would be there in 2 business days. I got another call from XXXX XX/XX/XXXX that he received the XXXX payment, but not the ones from XXXX or XXXX. I called key bank yet again, and liters after hours of phone transfers and waiting, started at about XXXX, was directed to speak with XXXX , but she was in back to back meetings and would call later. 4 hours later and many holds and transfers, XXXX got on the phone, and stated she would NOT get back to me any time soon, and that this case was escalated to the top tier. UNACCEPTABLE. The payments are over 3 months in arrears, I am in danger of repo, and credit decline. I have lost wages due to all the runn around and empty promises. I was told it was resolved a week ago, and now more waiting. Today is XX/XX/XXXX at XXXX XXXX. Please help. I spoke to 16 KeyBank employees and went through the verbiage with all of them.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. XXXX, Trans Union and XXXX. I submitted the Annual Credit Report request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Product: Credit card or prepaid card

Citibank on more than one occasion stated they cover all fraudulent charges. 

I pay my credit card bills with small amounts to zero balance mainly to avoid high interest rates without looking at charges, The last charge of XXXX looked suspicious, so I looked into my account and notified Citibank. 

I did further research and discovered additions charges dating fas far back to XX/XX/XXXX. After their security department investigated, Citibank only honored the latest claim, they did not honor my full claim. 1st denied was Not enough information, this was after I sent in all the information. I called about this a few times, on one occasion received a scolding from a rep to check my statements. Then the last rep I spoke with stated that because of a pattern they will not honor my claim. I am seeking a refund including foreign transactions fees of XXXX. I have other Citibank cards that are fine. 

In addition Citibank was not able to provide merchant information. As you can see in the attached statements, All transactions point to XXXX. I have no reason to purchase directly with XXXX. Please help. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Refunded XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE - Refunded XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOREIGN TRANSACTION FEE XXXX Initial Fraud Claim XXXX Less Refunded amounts XXXX + XXXX Seeking amount of XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.