23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony has now 3 times added a {$300.00} charge to my balance. I submitted disputes showing I did indeed make the payments their system was not showing, however they continue adding debt to my balance. The account is completely paid off, and I have gone through the payments multiple times with agents on the phone. However they continue adding debt to my account. It is becoming clear to me they are attempting to add remaining balance due to my account to bring me past the no interest period and backdate interest charges to me. Even though I have clearly submitted and even highlighted the payments in question to their disputes department, they continue saying they are unable to verify my payments were made. They are now requesting information from my bank ( transmission receipts ), which their professional team of investigators could easily obtain themselves to verify a transaction to their company. I have contacted the box store using their service, and will pursue other avenues now that theyve made clear they do not plan on resolving my second round of disputes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have Requested from XXXX that this inaccurate information from Teachers, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but XXXX different breaches including the national breach, XXXX XXXX and XXXX of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.
Product: Money transfer, virtual currency, or money service

I sent 3 payments totaling {$1200.00} on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX to a person that turned out to be a scammer. The only remedy I apparently had through XXXX was to see if the money wasnt still in the account and to be moved back, but XXXX did not get back to me until almost 2 days later, giving the scammer an opportunity to close the account. Leaving me with no remedy. 

Also XXXX does not state IN CLEAR TERMS OR AT ALL, that XXXX is only for friends or people you know. It advertises itself to be a convenient payment method with the only warning being to make sure that you are sending the money to correct person, which I was obviously. 

It is wrong to advertise this service as a convenient payment method, yet not have buyer protection AND not inform consumers about this CLEAR limitation.
Product: Checking or savings account

My mother is XXXX XXXX XXXX and has XXXX, she is in a vulnerable class and I have recently received online access to her Checking account with 5th/3rd Bank to watch for any fraudulent or suspicious activity since I have had to find XXXX household care for her. I have POA over her health & financial issues and I am also on this Checking account. 
On XXXX XXXX I reviewed her checking account online and immediately saw fraudulent activity as follows : on XXXX XXXX, 2024, there was XXXX transactions to XXXX each for {$490.00} for a total of {$11000.00}. 
My mother has never had a XXXX transaction on her account, she has no computer, no cell phone, no email, no debit or ATM card. 
The bank never flagged this as suspicious activity and no one on the account was notified. The bank saw nothing suspicious and when I contacted them and asked them to look at the activities from XXXX XXXX they still could not see anything suspicious and asked me what was wrong. I have filed a dispute with the bank Case # XXXX and a Police report # XXXX. I have asked that someone from the Investigation Dept call me with any questions or status. Today I called looking for the status they claim the Investigating team sent a letter to my mom requesting more information. 
I keep explaining that my Mom has XXXX and does not even know about the compromise, I asked if I could speak to the team to answer their questions and get this moving along and they said they have no phones in that dept and could not give me anyone. I asked who their Prudential Regulator was and the employee XXXX XXXX XXXX said he did not know and could he put me on hold to find out. When he came back he said nobody knew and would was transferring me to Customer Service and then I was disconnected. 
My concern is not only about the money ; I am also concerned about her safety being with a caregiver who may be responsible for this theft. I have explained the urgency and have asked them to escalate this investigation since she is in a vulnerable class and have not been able to get any assistance.
Product: Debt collection

On or about XX/XX/2018 I received a letter from FBCS , Inc stating I owed a debt to XXXX, after sending them a letter to request verification of the debt around the first week in XXXX I recieved a reply letter and a copy of a bill, Nothing verifying my identity or anything much except a bill and my name isn't even correct on it nor is the address and both letters have 2 different amounts
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX BUSINESS DAYS after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Debt collection

Requested a debt validation letter to law firm representing LVNV Funding LLC who purchased my credit card debt. The letter they sent did not include a 30 day dispute notice.
Product: Money transfer, virtual currency, or money service

Dear Sirs, On XXXX XXXX 2017, I sold a XXXX to XXXX XXXX. XXXX XXXX paid via her business account XXXX XXXX XXXX XXXX XXXX, XXXX. <P/>XXXX XXXX then sent me several harassing e-mails advising she was having problems with the phone and was refunded {$75.00} on XXXX XXXX, 2017. <P/><P/>She sent the following e-mail : From : XXXX To : XXXX Sent : XX/XX/XXXX17 XXXX XXXX, I will return the phone back to you in it 's original packing on tomorrow. <P/>Thank you for the FULL refund. <P/>In the future, you should advertise the phone with pictures of the screen on. You never showed photos of the XXXX screen turned on which made me realized that you probably was not the original owner,, I will send you the tracking information asap! <P/>I waited and contacted XXXX on XXXX XXXX 2017, and they advised XXXX XXXX has stated she is keeping the refund and the phone and that I needed to contact Paypal as this is fraud. <P/>I then filed a criminal fraud report with the XXXX Police Department Case # XXXX, they can be reached at XXXX Police Records. <P/>At this point, I have been contact with Paypal on 5 separate occasions, and they have refused to issue any refund.
Product: Student loan

My reduced rate plan with Navient is far beyond my ability to pay. Since I have a cosigner ( parent ), his income is part of their calculation as well. My parent is currently unemployed. I am current on my loan payments as of this date, but ca n't remain current for much longer. Loan type : Smart Option Student Loans, XXXX of them totaling over $ XXXX. 

They 've calculated that I 'm able to pay $ XXXX/mo, when my budget does not reflect that. Neither does my parent 's budget. I either need to find a way to change lenders, or get a much lower monthly payment.
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Also XXXX keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.
Product: Credit card or prepaid card

I open and received a new credit card : CITI CUSTOM CASH. I applied for it in advance anticipating a purchase I wanted to make. I have a summer home, and used it as my credit card address. 
I received a notification that I have to call a number because they detected a " suspicious activity ''. I called, and the only way to unlock my account is CITI to send a letter to my home address which I can't obtain because I'm NOT at my summer home right now. It would also take a long time not appropriate for my purchase. I asked to close my account which is also impossible according to CITI. I never heard of anything like that which is very concerning. 
CITI Customer Service is HORRIBLE with hours holding. They use off-shore representatives, speaking to the XXXX customer service is impossible due to wait time. All representatives are rude, especially ones in the " XXXX XXXX '' ( name : XXXX- a supervisor ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting

I have inquiries on my equifax that i did not authorize they arent linked to any accounts on my credit file. I advise them of the discrepancies but all they did was send me a letter. Stating that companies can pull your credit for offers
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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: Debt collection

To whom it may concern, I have a student loan from XXXX, at the moment I live in XXXX, XXXX and the financial loan has been directed to be paid through XXXX XXXX, a collection agency to process international payments. 

They have created a new website and the last month I tried to pay but the website was not loading correctly. This month I have a late payment fee plus the new payment for this month and the XXXX   payment option is not working. I asked them when they will fix it but they say that they dont know. They give you the option to pay through your bank account but my bank account is in XXXX and does not have a routing number and I need to pay via XXXX. There is another option for international payments which is more costly but it does not work in their website. 

I am afraid that I will get a new late fee. I am trying to pay and the system is not allowing me to do so. This was a federal student loan and I do not understand why they hire this service that does not work properly. 

I want that XXXX  XXXX fixes the XXXX  option so that we can make payments with the XXXX  card. 

Thank you very much,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX XXXXs the only bureau that removed the inquiries. XXXX and XXXX have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Product: Checking or savings account

I got laid off in my job so I cant work for a while even I have trouble getting unemployment XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to  XXXX ,  XXXX , and Experian regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lend er ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.
Product: Debt collection

my XXXX  had contract with XXXX XXXX  company. i cancel contract with then in XX/XX/XXXX, i received a letter from company in XX/XX/XXXX that i owe then XXXX because they over paid, i called XXXX and asked them i need a date so i can verify with my bank if i received any over payment i will send a check, they didi not send me any information .after few month i received a letter from caine & weiner colection agency agent name was XXXX  i called her and asked her same thing i need exact amount and date so i can verify with my bank. thursday she sent me XXXX XXXX statement i called her and asked her i need date and exact amount so i can verify with my bank she had no idea. she hang phone on me and threat me. cain & weiner send me a letter without getting any evidence from XXXX over payment information try to collect money from me i been telling XXXX AND CAIN & WEINER i have no issue to pay XXXX any over payment made to my company but they are unable to provide me any evidence of over payment made to my company. i told them i will not pay untill they provide me date and exact amount XXXX deposited in my bank. i am surprised they try to collect money from me with out any information from from XXXX and evidence when i asked her she had no idea and unable to answer my question
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose
Product: Debt collection

On XX/XX/2020 collectech diversified reported 6 diffrent amounts to my credit from XXXX XXXX. 
{$96.00} {$220.00} {$88.00} {$320.00} {$350.00} {$320.00} I never recieved the a bill for any of these charges and also I was never contacted about them. I also have no idea what any of these charges are for.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge XXXX to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps XXXX will take to rectify this situation for its victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes into XX/XX/XXXX requesting for the following collection to be removed XXXX and XXXX XXXX XX/XX/XXXX XXXX however the negative markings are still be reported Monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company has put a collection debt on my credit report for {$2600.00} that I do not owe and I have never received any documentation. I am requesting that this company be notified and the debt be removed from my credit report. This is a fraud report and this company did not follow the Fair Debt Collection Practices Act. The account that is being reported on my credit report is below : One of your accounts has been reported as a major derogatory item on your credit. 
Reported By : XXXX XXXX XXXXXXXX XXXX  Creditor Contact : XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Type : Other collection agencies Balance Amount : {$2600.00} In Collections : Yes Payment Status : XXXX XXXX XXXX ( Collections ) Status XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


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

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In approximately XX/XX/XXXX, my ex-husband stopped making required monthly spousal maintenance payments which in turn delayed my ability to keep current on my payments to Specialized Loan Servicing.

After several months, I regained the ability to make payments but was told that all previous payments had to be up to date before they would allow me to begin payments again. I did not have that amount of money available to me.

In XX/XX/XXXX, I made my first application for a loan modification/repayment plan. It was then that SLS began continually asking for more documentation such as a copy of my driver 's license, a new request for tax information, obtain a quiz claim deed from my ex-husband, etc. and they would drag it out so that I would have to submit a new application with all new updated information including bank statements and check stubs.

I was told repeatedly on many occasions that my packet was complete only to learn they needed " one more piece of documentation ''. Not only that, they changed the mailing address from me to my ex-husband 's address. I was given no communication other than two letters and being served for the sheriffs sale from them even after many attempts over the last two years to change the address or at the very least, to include me on all communications.

I have completed and submitted no less than eight different packages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently, XX/XX/XXXX only to be told that more documentation is needed. 

I have been working with XXXX XXXX XXXXat the XXXX County Housing Department and she has advised me to submit complaints to both your office and also to the office of the Minnesota Attorney General. 

I was unable to upload my documents but will submit them via USPS mail.

Thank you very much for your consideration. Please contact me with any further questions or information you may need.