23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I want to address my concern about a company improperly using your credit report by buying a debt and sharing your information with a different agency, i want to focus on two main laws : the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 16 81 section 6028 states I have the right to privacy 15 USC 16 81 section 6048 section 2 it also states of consumer reporting agency can not furnishing account without my written instruction.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crime, which antedate the report by more than seven years.

15 USC 16 81 section 281 a person shall not furnish any information relating to a consumer to any Consumer reporting agency, if the person knows or has XXXX to believe the information is inaccurate. 

XXXX. Fair Credit Reporting Act ( FCRA ) : - Argue that the company may have violated the FCRA if they accessed your credit report without a permissible purpose.

- Emphasize that debt buying alone doesn't automatically grant permission to access credit reports. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : - Point out that sharing your personal information with another agency might violate the FDCPA 's restrictions on third-party communications about your debt. 

XXXX. Consent and notification : - Highlight that I weren't properly notified about the transfer of your debt or the sharing of your information. 

XXXX. Data privacy laws : - Depending on your state, there may be additional data privacy laws that protect your personal information.
Product: Credit card

I have the synchrony amazon prime card and I am reporting predatory practices intended to recoup more interest fees from customers. First, I bought a television from amazon on XX/XX/XXXX ; it was a large purchase ( {$1700.00} ), so I thought it was smart to take advantage of the 12 month interest free financing. Come to find out, there is no way to set up autopay on the account to pay for both the TV in 12 equal installments plus whatever other monthly purchases I make on amazon. I had to do it manually each month. I was not told this by Synchrony or Amazon at the time that I purchased the TV at the promotional rate. The synchrony card 's failure to include an autopay feature that includes promotional purchases makes timely payment by consumers more difficult and takes advantage of the likelihood of human error in order to recoup more interest fees. That did in fact happen in my situation and I ended up paying about {$100.00} in interest ; at that point, I decided to pay the whole balance and forgo taking advantage of the promotional rate in order to avoid any future accidental interest payments. 

On that date I went to make the whole payment, XX/XX/XXXX, I sought to pay my bill and went to the web address on the bill : syncbank.com/amazon. That address took me to amazon storefront. I had to click through several " help '' windows to finally find the synchrony website for the prime card. I also tried going to the standard synchrony website, but I could not log in with my amazon synchrony password. The fact that the payment site was so difficult to find, is again a predatory practice -- by making the payment page difficult to find, synchrony amazon prime card knows some customers won't be able to find it on time, thereby incurring interest payments.
Product: Mortgage

Please CFPB people follow this complaint and make sure that it is answered reasonably. I keep submitting complaints and I can't even get a single point of contact assigned to my case in response. Carrington answers in volumes of irrelevant words and does not address the problem. No one is holding them accountable. They have also claimed that my complaints are duplicates. They are not duplicates, Carrington has not addressed the problems in the complaint!!!! THIS IS NOT A DUPLICATE!!!! Background : I qualify for over half a million dollars in mortgage loan ( see attached pre auth letter ), we can not refinance this property because it is in default due to a financial/medical problem from XXXX, three mortgage servicers ago. Moving isn't an option for us at this time or we would move. We have not been assigned to a single point of contact despite the laws that require this and multiple CFBP complaint to this effect. We have submitted countless modification applications to Carrington and they are not following VA loss mitigation guidelines either. They are cancelling my loss mitigation applications without cause, without reasonable notice and in opposition to their own statements. We submitted a full hardship application with a letter of explanation for the one piece of information that I was unable to get. A letter was sent to my attorney stating that the application was complete and to send some documents " if applicable '' ( Carrington letter attached ). The documents were not applicable, we submitted everything else, Carrington cancelled the loss mitigation application with no further communication. My attorney responded with the attached letter dated XXXX XX/XX/XXXX from XXXX law. Carrington did not respond. We submitted yet another loss mitigation application on roughly XX/XX/XXXX. We received an email on XX/XX/XXXX ( attached ) stating that it had been received, would be reviewed and sent to underwriting. On Friday, XX/XX/XXXX ( XXXX attached ) I received an email stating that what I had submitted was incomplete and to call the main number at Carrington to discuss, NOT a single point of contact. Today, which is my first opportunity to call, is Monday, XX/XX/XXXX and I received a letter stating that my modification application had been cancelled for lack of receipt of additional unspecified documents. I was given no time and no information to succeed. How is this reasonable? Please assign my case to a single point of contact. Send me a document with this persons name and contact information and how to reach them by phone. Follow VA loss mitigation guidelines as well as Colorado and federal laws please. This is circular, time consuming and stressful to the point of causing physical symptoms. Please assist us in getting a reasonable solution. We are more than able to pay the mortgage at this time. We need a plan to pay what has accumulated in arrears due to the hardship years ago.
Product: Checking or savings account

From XX/XX/XXXX until XX/XX/XXXX My debit, XXXX, XXXX XXXX transaction were misleading and never deposited in my bank of America, my funds were deliberately misleading and falsified causing money to be taken from leaving my account with a large negative balance which is not common for my type of account. My ATM transactions of {$200.00} were false and some kind of way manipulate/ altered. The bank is forcing me to pay them to correct their misleading information/ practices/ inaccurate calculation. my money was taken and my strict debit account doesn't allow the transactions that accured. Bank of America is blaming the merchants on my account and myself from them not processing any direct deposits, XXXX payments, XXXX XXXX deposits and etc on the same day. They are scamming me out of {$230.00} to rectify the burden they put upon me. I've been with them for years and have never seen or experience this ever. I'm currently in XXXX Alabama where there isn't any bank of America locations. I can only access them online, via phone and it's a total nightmare paying double fees and not having access to a local branch when things like this happen. Bank of America has changed drastically and really doesn't care about certain customers anymore its frustrating and unfair having to do deal with rude and unlogical agents. The ethics don't go along with the advertising, benefits and encounters with BANK OF AMERICA.
Product: Debt collection

An amount of {$950.00} was charged to my credit score and sent as a collection from XXXX on XX/XX/2016. This is an account that was opened without my knowledge and/or permission. I have submitted a dispute through the 3 major reporting agencies and have yet to here a response.
Product: Debt collection

I have attempted to call and email and fill out a contact form for this company. They have put all the money in my bank account on hold. My bank account will not release anything until I get a letter of payment plan from this company that will not answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Chex Systems and XXXX XXXX XXXX ( North Carolina ) multiple times and they refuse to remove this fraudulent account from my credit file. I am a victim of identity theft and I have provided Chex Systems and XXXX XXXX XXXX  ( North Carolina ) with every single document that is required to prove that identify theft has occurred and what is need to have these accounts removed. I provided a full Federal Trade Comission affidavit that is notarized, the XXXX XXXX Police report that list each account/ item that I am requested to have removed from my Chex systems and XXXX XXXX XXXX ( North Carolina ) report. I have talked to many representatives that have refused to assist me and comply with the Fair Credit Reporting Act. I am requesting that this information listed below be removed using the provided documentation to the consumer financial protect bureau and mailed on XX/XX/XXXX to Chex Systems and XXXX XXXX XXXX ( North Carolina ). I am requesting that this is completed immediately. Here is the account that I am requesting to be deleted : XXXX XXXX XXXX XXXX NORTH CAROLINA ( {$200.00} ) - ACCOUNT NUMBER : XXXX - ( OPENED : XX/XX/XXXX ).
Product: Checking or savings account

Customer service lied and told me I would be able to withdraw my funds from.a local branch after they closed my account before last case was resolved in my FAVOR. A letter from Capital Ome dated XX/XX/2022 states CLAIM # XXXX FOR ACCOUNT ENDING IN XXXX DISPUTE HAS BEEN RESOLVED. CAPITAL ONE CLOSED MY ACCOUNT TELLING ME IVE MADE TOO MANY DISPUTES IN BAD FAITH BUT I HAD PROOF THEY WERE ON THE SIDE OF THE SCAM MERCHANT AND CHARGED BACK THE FUNDS EVEN THOUGH I SENT IN PROOF. ALSO I AM XXXX AND MY SOCIAL SECURITY CHECK FOR THIS MONTH WAS BOUNCED BACK AND I STILL DONT HAVE IT. THAT IS ILLEGAL THOSE ARE PROTECTED FUNDS I WAS TOLD BY CAPITAL ONE MANAGERS AND REPS. ONY TODAY XXXX XXXX TOLD ME I HAVE TO WAIT FOR A FINAL CHECK TO BE MAILED TO ME I CSNT GO IN AND WITHDRAW LIKE THEY TOLD ME PREVIOUSLY. WONT LET ME TRANSFER SND I NEED MY MONEY NOW ESPECIALLY SINCE I STILL DONT HAVE MY SOCIAL SECURITY CHECK FOR XXXX. THIS IS MALICIOUS INTENT PLEASE HELP! THEIR CORPORATE PHYSICAL ADDRESS IS : CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX. I CANT PAY ANY OF MY BILLS OR MEDICAL EXPENSES AND XXXX XXXX THIS IS A SCANDAL AND I WANT THEM TO PAY FOR THIS ERROR!
Product: Mortgage

REFAXED 9 TIMES MODIFICATION XXXX SEE PROOF, SHELLPOINT ALWAYS SAYS NEVER RECEIVED OR INCORRECT ALL PAPERWORK DONE PER THERE INSTRUCTIONS! WAS SENT MULTIPLE TIMES PRIOR ALSO! ITS DISCRIMINATION! PERIOD. DUE TO BEING XXXX. ALWAYS AN EXCUSE, HAVE PAPERWORK READY TO FILE IN FEDERAL COURT, ALL I WANT IS AN APPROVAL OR DENIAL, IF APPROVED WILL START PAYING MODIFICATION THERE IS A RECOVERY MODIFICATION IF DENIED WILL SHORT SALE BUT NEVER GET PAPERWORK WHAT I NEED! AGAIN IT PURE DISCRIMINATION!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7.  Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Money transfer, virtual currency, or money service

I am the U.S. executor for the Estate of XXXX XXXX and there are two British co-executors. The executors received the appointment letter from XXXX County ProbatXXXX in XX/XX/2022. Since that time, I have closed XXXX XXXX numerous bank and brokerage accounts and deposited the funds into the estate account at XXXX XXXX XXXX XXXX. However, Truist Bank will not talk to me to close her accounts held there. I have gone to two separate branches, including one on XXXX XXXX XXXX XXXX ( I am XXXX XXXX ) but to no avail. It was suggested I get an attorney to write an opinion letter that indicates the executors can act independently ; this statement is in black and white in the will but Truist has indicated it will not read the will. I have sent the death certificate, the executor letter and the will along with a letter requesting exactly what procedures Truist Bank requires for me to close the accounts to their legal department ; I have not had any response from them in over a month. I understand Truist took over SunTrust and BB & T but there has to be a way for the estate to close the accounts of a deceased client. Truist is earning money on XXXX XXXX accounts and should be instructed to return any interest earned to the estate. I request the Consumer Financial Protection Agency force Truist Bank to turn over XXXX XXXX bank and investment accounts so we can finalize the estate. XXXX XXXX XXXX, XXXX, Executor for the Estate of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including XXXX XXXX XXXX. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested and did not provide proper validation. This is a medical collection that is being reported illegally. No PHI release form has been provided. this is violating my privacy and HIPPA Law. My latest request was completely ignored. The tracking number is XXXX and XXXX XXXX received it on XX/XX/2023. 

Experian tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 It seems to me like this is a violation under section 812 ( a ) of the FDCPA. It says " It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than a creditor of such consumer allegedly owes such creditor, when in fact such person is not so participating. ''
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX 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

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian these bureaus are reporting unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ). 
Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing. 
This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ). 
Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed. 
On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )