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

In XXXX of XXXX we took out a 6 month no interest credit card with Synchrony Bank/CareCredit. Initially, they neglected to send out any statements which resulted in an interest charge to our account. I called their customer service and they removed the initial charges and during that call I set up an autopay with the assistance of their representative to ensure no other late payments and that the entire balance would be paid in full by the time the no interest period was up. After the call we still never received any statements and then in XXXX when I went online to check the account to make sure everything had been cleared I saw an interest charge for {$330.00}. 

We contacted their customer service immediately after the incident and got nothing but the run around for months. We finally decided to write them a formal letter to try and get resolution and got a response back from them on XX/XX/XXXX stating the following : Dear XXXX XXXX, Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK account, and the opportunity to be of service to you. 
We appreciate your patience while we look into your account. It XXXX take us XXXX to XXXX billing cycles to respond to you. 
We value your business. Our experienced team of Customer Care Specialists are ready to help, if you need further assistance. 
Sincerely, XXXX XXXX XXXX  XXXX And since that time I have called customer service multiple times but have been given the run around again. I finally got fed up and found this website to lodge a formal complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. XXXX and XXXX, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, XXXX and XXXX, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure. 

In direct violation of 15 USC 1681C ( a ) ( 5 ), XXXX and XXXX are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. XXXX and XXXX appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services. 


Account Name XXXX XXXXXXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXX 
Account Name XXXX. Account Number XXXX Account Name THE XXXX XXXX XXXX Account Number. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, 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 CREDIT BUREAU 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 collections 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: Debt collection

I have a couple cards that were sent to collections while I was in college. I have not heard anything more about these cards since XXXX! I have a debt collector kohn law firm s.c sending mail to my landlord! I have only received one letter from this company. After further review my credit card company states that another company owns my debt. Its embarrassing that they are sending letters to my landlord with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

PREV COMPLAINT XXXX XXXX ALLEGED LATE PAYMENTS XXXX says ask XXXX/XXXX to correct, XXXX says not their problem ask XXXX. XXXX SAYS they are out of business go to XXXX. 
No one will accept responsibility yet I have proof payments cleared my account on a timely basis, see attached XXXX/XXXX bank statement. 
This inaction has damaged my credit reputation & the ability to secure a new conventional/FHA mortgage.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went on my Bank of America personal checking account online and initiated a transfer of {$11000.00} to my overseas Non-Resident XXXX ( NRE ) account held at XXXX XXXX  in XXXX ( country ). My Dad wanted to the money ASAP for an emergency, so I was in a fix and did the transfer right away. The transfer from USD/INR gave me INR  XXXX USD, whereas the spot rate on www.google.com was INR XXXX USD. I didn't have an option at the time and agreed to the transfer, although after doing the calculation, I realized the bank charged me INR XXXX USD ( 3.3 % fee ) on the transfer. I called the bank and asked about this, and some lady on the call said that she can not help me with that and that I would have to go into my local branch and talk to someone, as they might be able to give me a better rate. The charging of these fees through a lower exchange rate is deceptive and unfair. These seem like junk fees in the form of a lower exchange rate. 

My younger brother banks with XXXX XXXX  in the XXXX, and did a similar transfer from USD to INR to his XXXX  account in XXXX just a day prior. He said XXXX gave him the spot rate and that they didn't charge him any fees.
Product: Credit card

I am using Discover Credit Card. On XXXX  I contacted their agent who told me that I will get total {$800.00} credit back if I set up payments on XXXX  and XXXX and I agree with it. I will receive the amount of {$400.00} after the payment of XX/XX/XXXX, and receive the amount {$400.00} after the payment of XXXX However, I didn't receive anything after XX/XX/XXXX payment. I contacted their customer service TWICE and finally got it on XXXX After my XXXX payment, I also receive nothing. Then, I contacted their customer service again and the agent told me I can only receive it after the payment on XXXX 

They enrolled me into a program which will suspend my account without let me know, and leak my privacy information. Now, they did something like this. I have no trust with them.
Product: Debt collection

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX Capitol One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


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: Money transfer, virtual currency, or money service

My relatives in United States of America send money to me here in the XXXX thru Xoom but the money not yet sent to my bank account it take long time. I really need the money for emergency
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  credit reporting agencies continue to report erroneous information on my report. These actions have adversely impacted my credit scores while also making it impossible for me to obtain lines or credit and housing. Their methods of account verification/validation have not been thorough as proven by the CFPB most recent suit against XXXX. Please see attachments related to my issues with each company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX XXXX, Experian, and XXXX letting them know that I wished to opt out of reporting the accounts below on my credit report per 15 USC 6802b, 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ). As of today, no one has responded to me in writing. This was a formal NOTICE that the consumer, requires all 3 bureaus to cease the reporting of certain accounts on the Consumers report. This NOTICE directly requires all 3 bureaus to provide proof, the consumer was provided/presented and signed/authorized the required disclosures, which explains consumers right to OPT OUT, per my rights under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 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: Credit reporting, credit repair services, or other personal consumer reports

This is to dispute information listed on my XXXX XXXX XXXX ( XXXX ) Report ; I have no knowledge of the Discover account listed on the report. I believe that that account was possibly fraudulently opened in my name in 2016. The phone and email address listed are not mine. Attempts were made to contact Discover ( via XXXX XXXX ) to ask for the address so as to write to Discover directly but they were unable to supply the address so Im seeking help from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, equifax and XXXX. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX that was applied for as well, the problem here is im a man why would i need a victorias secret card for? I have several disputes that just do not get taken care of too.
Product: Debt collection

The original debt from XXXX XXXX Bank went into collection due to financial hardships. I then had a case/judgement filed against me on XXXX/XXXX/2008 by XXXX XXXX XXXX Attorney at Law in the state of Oregon. A garnishment was granted and payments for this debt were taken directly from my wages. I have the court paperwork and case numbers. The debt was paid in full through this garnishment. Several years later, this law firm was shut down by the Oregon Department of Justice XXXX and the attorney barred. In the past year, this original debt to XXXX XXXX has resurfaced and is being pursued by Portfolio Recovery Associates LLC. I have written them, corresponding to both addresses in the collection notice, explaining that this debt is not valid, yet they continue to pursue the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of the following erroneous information : ( see attached ) I am providing supporting documentation, including FTC Report and 605B letter, which clearly demonstrates that this information is incorrect.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against Experian and Equifax for failing to conduct proper reinvestigations of consumer disputes and unlawfully reinserting previously removed inaccuracies into credit reports. The CFPB 's lawsuit alleges violations of the FCRA, particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Furthermore, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to report only accurate and complete information to credit reporting agencies. Given the legal precedent set by recent CFPB actions, I expect full compliance with your obligations under the FCRA. 

If your reinvestigation does not resolve this dispute, please provide a detailed explanation of the steps taken, along with the method used to verify the disputed information, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I request that you update my credit file accordingly and send me a written confirmation of the correction. If you fail to comply, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and seek legal remedies. 

Please confirm receipt of this letter and inform me of the results of your reinvestigation
Product: Credit card

On the XX/XX/2023, an unauthorized payment of {$640.00} was taken from my Wells Fargo checking account and used to pay my Wells Fargo credit card. My credit card 's entire balance at the time was {$640.00}. The " daily balances '' for my credit card on the Wells Fargo phone application never reflected the pay {$640.00}, so my balance showed that I still owed {$640.00}. I disputed this unauthorized transaction from my checking account with Wells Fargo, and roughly XXXX days later, Wells Fargo returned the {$640.00} to my checking account. Since the " daily balance '' on my credit card never reflected the {$640.00} payment, after the {$640.00} was returned to my checking account, Wells Fargo improperly doubled my credit card balance on the " daily balances '' on the Wells Fargo phone application. The balance listed went from {$640.00} to around {$1300.00}, improperly doubling my balance. I did not owe this amount. 

The mailed statements properly reflected the reversal of the {$640.00} transaction on my credit and my checking account. However, the " daily balances '' on the Wells Fargo phone application improperly reflected that I owed around {$1300.00}. 

I disputed this improperly reported balance with Wells Fargo numerous times over the phone, however Wells Fargo never resolved the matter. Wells Fargo states there was no issue because the mailed statements were correct. However, the issue is not with the mailed statements, but rather the daily balances for my credit card listed on the Wells Fargo phone application. This balance was never corrected and showed me owing an amount that I did not. I would like Wells Fargo to investigate and fix the reported amount on the daily balances of my credit card on the Wells Fargo phone application. I would also like Wells Fargo to provide me with a copy of the daily balances of my credit card on the Wells Fargo phone application for each day of the month of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from XXXX XXXX account number XXXX in the amount of XXXX  $ from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

I tried several times in XX/XX/XXXX-XX/XX/XXXX to open a checkings account, and to my acknowledge i was unable to open a bank account because they were previous accounts open up in my name, that i was unaware of. My identity was stolen in XX/XX/XXXX, but apparently many things were opened, received, and borrowed under my name. i requested a report from XXXX XXXX, and to my knowledge these accounts does not belong to me. Please help me
Product: Checking or savings account

Hello, I had a transfer scheduled for XX/XX/year> from an outside bank account of mines into my XXXX Performance Savings and it has still not been received.