23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show XXXX  button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute NXXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX  bankruptcy dischargedDispute all ftc violations
Product: Bank account or service

I signed up for a free bank account with PNC back in 2007 and just recently they said that my account was no longer free and I have a {$7.00} a month fee to maintain my account. I was grandfathered into the old terms which PNC and myself are bound.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX SS # XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( bank ) XXXX bank with a balance {$940.00}, ( Collection ) XXXX XXXX XXXX with a balance {$170.00}, ( Loan ) first heritage with a balance of {$0.00}, ( bank XXXX XXXX XXXX bank with a balance of {$0.00}, ( bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance {$0.00} ( loan ) XXXX  with a late payment XX/XX/XXXX, ( XXXX ) XXXX XXXX services late payments XXXX, ( inquiry ) XXXX XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( date ) XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CC > XXXX Credit Card # XXXX The limit is {$10000.00} not {$5000.00}
Product: Debt collection

The company has ignored my complaints that no merchandise was delivered to my home and I did not authorize this order from the company. They are still harassing me to pay them money. I have sent multiple affidavits to the company to dispute this. This has been doing on since XXXX of XXXX when I learned that the order was placed and was on a back order. If the company was concerned about helping me, they would have canceled the order and not wait for months to pass and then bill me in XXXX of XXXX. They are still wrongfully trying to collect funds from me and have linked the account balance to my credit file. This is ridiculous and I hope that this matter can be resolved.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - received email notice from affirm about loan with XXXX XXXX. I called at XXXX on XX/XX/XXXX immediately after receiving the email and notified them they the loan was fraudulent. They assured me the loan would not be processed and my account would be locked. I called again at approx XXXX again to verify that my dispute went thru and my the fraudulent affirm card/loan was blocked. 

XX/XX/XXXX - received email at XXXXXXXX XXXX  that the fraudulent affirm card was available even though Affirm assured me on XX/XX/XXXX that the loan and card would not be processed and the originator XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX would be notified of the fraud. 

They never notified the loan originator XXXX XXXX in XXXX XXXX XXXX Utah of the fraud. When finally speaking wuth an Affirm supervisor XXXX XXXX, he actively discouraged me from calling the originator and reporting the fraud on my own. I then asked Affirm to provide me with their FDIC number so i could file a complaint and they could not provid one, I asked for information so I could file a police report where the crime occurred and they could not provide that information. I asked for phone logs because loan approvals are verified using multifactor authentication and they would not provide that information. I asked for the email explaining the data breech that took place earlier this month XXXX, XXXX and affirm would not provide that. In my opinion, because XXXX is not an FDIC insured entity, Affirm acquires no risk with regards to these loans and therefore actively profits from the administrative policy and limiting information to their customers regarding fraudulent charges and loans approved in their names.
Product: Payday loan, title loan, personal loan, or advance loan

I filled out a form to correct the bank account for deposits from Synchrony. I informed Synchrony not to make any other deposits to the wrong account ahead of time. Synchrony withdrew funds from my account by mistake, and I could not solve the problem in the past XXXX weeks, so I need help. 

I have all emails back and forth with the following reps : XXXX XXXX XXXX XXXX Synchrony M : XXXX XXXX Book time with XXXX, XXXX ( Synchrony ) XXXX XXXX XXXX XXXX XXXX Synchrony XXXX XXXXXXXX M XXXX XXXX XXXX We are XXXX XXXX XXXX, ID : Merchant ID REVOLVING : XXXX
Product: Credit reporting or other personal consumer reports

My kitchen caught on fire and I went and stayed with my grandmother an auntie, whom we all have the same exact name. I told XXXX, XXXX, and Equifax that I was only staying with my grandmother an auntie for XXXX weeks and going back home. This was not my address as a visitor and I dont want any of my mail going to my grandmothers house. My address is XXXX XXXX XXXX, XXXX, IL XXXX. The credit bureaus has my address as XXXX XXXX XXXX XXXX IL XXXX. This is how identity theft happens. Also XXXX has an address XXXX XXXX Pl XXXX IL, XXXX on my credit report I have never lived at XXXX XXXX XXXX in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX BOUGHT FURNITURE AT XXXXXXXX XXXX NEVER GOT COPY OF CONTRACT AND SIGNED ON TABLET AT STORE WITH 2 OTHER WITNESSES. WAS TOLD WOULD RECEIVE ALL IN MAIL WITH COUPON BOOK. NEVER RECEIVED COUPON BOOK TILL EARLY XX/XX/XXXX. FIRST PAYMENT STATED DUE ON XXXX RECEIVED CALL ON XX/XX/XXXX SAYING LATE AND PAID BY PHONE MY BANK TRANS # XXXX XXXX CONTINUED TO LUMP MY PAYMENTS UP AS THEY REPORTED TO CREDIT REPORTING AGENCIES SHOWING ME LATE INSTEAD OF FIXING MOVED ON MY CREDIT REPORT AS LATE FROM XX/XX/XXXX TO XX/XX/XXXX. PAID THOSE MONTHS SOME IN ADVANCE AND XXXX  NEVER HAD PAYMENTS APPLIED CORRECTLY TO EVEN KNOW WHEN I WAS DUE. SINCE THEN MY INSURANCES HAVE INCREASED 40 % FOR MY AUTO, BUSINESS, MY CREDIT SCORE DROPPED DRASTICLY, I HAD ONE CREDITOR LOWER MY CREDIT CARD LIMIT FROM XXXX TO XXXX INCREASE INTEREST COSTS AND DENIALS AS WELL. I ALSO PAID THE 36 MONTH ACCOUNT OFF IN 8 MONTHS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been placed on a write in only status and the company refuses to allow me to call, view obtain or dispute information about my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a personal line of credit withWells Fargo. I had made a payment on this line of {$720.00} on XX/XX/2021. Evidently, they did not receive this. I then called them to assure this would not get reported to a credit agency and we agreed to go on a payment plan. Then, the account was closed and I was to pay {$650.00} per month and I was assured this would not go on my credit report. Unfortunately, it did. I was misled by Wells Fargo. 

In addition, They have not been accessible by phone. When I spoke to them in XXXX the account was to be " reset '' and no adverse credit reporting would take place. Unfortunately. my credit has been impacted almost 100 points. This is particularly unfair since I took the proper steps in managing this account. I was proactive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency Experian, XXXX, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.
Product: Debt collection

There has been a data breach on a company who was preparing to fix my credit.
Product: Debt collection

Received claim of debit in the amount of {$2600.00} from law firm in XXXX, OH for an auto accident in a town I have never visited, vehicle I have never own, and on police report there is a partial DL # that is not mine. Contacted law firm to advise they have wrong person, instructed to file claim through ftc.gov website.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought a ring and got financing through XXXX XXXX XXXX XXXX. I spend over {$3000.00} for the ring and was told I would get promotional financing which is 14.99 percent apr low for 36 months and told by the associate I would receive. It was a while till I realize I'm getting a finance charge every month! I called comenity bank who issues the card and filed a dispute and after they stated it was correct. Never get financing through XXXX  they're deceptive and liars
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : XXXXXXXX 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 XXXXXX/XX/XXXX I never applied for credit with either of these companies.
Product: Debt collection

NOTICE OF DISPUTE! 
I had a credit card account with XXXX XXXX  which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that LVNV IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't XXXX XXXX  have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {$9.00} XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like XXXX Bank did with me.
Product: Checking or savings account

On XXXX XX/XX/2021 I had entered into a contract to have my roof replaced. I agreed to the terms of the loan with the XXXX, and the finance company, XXXX XXXX XXXX ( XXXX XXXX XXXX. 
On XXXX XX/XX/2021, I received a letter dated XXXX XX/XX/2021 from First Tech Federal Credit Union, informing me that they had purchased my loan from XXXX, and subsequently had opened up a membership savings account. 
At no time did I authorize opening a membership saving account with any financial institution. Quoting directly from their letter : " We've also made a {$5.00} deposti to establish your First Tech Membership Savings account and the account number is XXXX. '' I've tried to have this resolved with XXXX and 1st Tech, and their answers are identical, we can not do anything about your concern. Both have said I had agreed to opt in on the loan documents, to which no such options appears. They didn't even cite any reasons.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported.

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX I expect that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX day, a friend sugested me to use Chime as my bank, it was easy to work with them and it woul help to improve my credit. It was a honeymoon for about XXXX years : money was " safe '' and my credit was fantastic! Suddenly, I got a notification about my card been used in Florida on line with a charge of {$3200.00}, and I denied, they cancelled my card and send me other one. From there, I guess I changed like 5 times my debit, and my credit cards, to the extreme that in some point in time, my online card did not match my physical card, or I got chargers with a card I did not had yet on my hands. 
But the worst was about to happen : last XXXX, siting in my desk computer, at home in XXXX, getting clear about some charges made in my Chime checking account, via chat with a representative from the bank ( no name ). Suddenly, a transfer from my savings account, {$550.00} was moved to my debit card account, and from there, ( I'm looking at the app in my phone at the same time I'm chatting with this person ) I saw several small drafts start appearing, from Chick-fil-A, XXXX every minute, others under door dash, all in GA, other charge was made in a movie theater in Florida, pizza place XXXX Papa XXXX in California XXXX XXXX total XXXX XXXX chargers to my debit cars, from XXXX pm to XXXX ... in the middle of all this madness, I asked them if we need to call the police, the answer of this person was " no, it's not necessary, we take care of this ... '' more coming and I ask to stop it, to cancel the card and deny all the expending, this person said that he can not do it nothing about it, and close the chat window. Inmediatelly, I tried to disconnect the card, I could not do it. I try to reconnect, nothing, I called, they let me on hold for about XXXX minutes ... no response. I was checking all the charges, and the total ammount of all those charges was the same ammount that was moved from my savings, to my checking account. 
After that, I went to different websites to place a complaint, nothing happened. I asked chime to dispute the charges, they did the investigation and said : " Nothing wrong, those charges were legit, and they did not accepted my demand of reopen the investigation, and finally, XXXX months of insisting, I was able to made an other complain, and before XXXX I had a No valid, and I can not try again. 
For good or bad, I have screenshots of the bank account, the dispute with the denial, and some information of some of the charges, XXXX from each company. ( I'm attaching the screnshots to this email ). 

My bank account was left with - {$40.00} ... anything solved? No, and I do believe they own me more than that money... I live scare to use any bank, because someone empty my account I got behind on my payments, getting me in a really bad situation, even, some payments programed were canceled ... it has been a very stressful situation. 

I hope this information help people, and think twice and research better about the bank the choose to work with.
Product: Credit reporting or other personal consumer reports

am XXXX XXXX against Equifax XXXX XXXX to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifaxconsistently responds within 24 hours statingthe account is accurate, without providingany evidence of a thorough investigation. This practice violates the Fair CreditReporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

The telephone number on the back of the card takes a person to a bunch of different companies - medical alert, insurance, pest control, addiction specialists but wont reach the actual customer service for Synchrony Amazon card. This number is XXXX. Then, if you search for a number online, the web either takes you to an app that has a robot who cant provide another number. Then if you stay on the app to get a person via chat, they provide the same number and, when pressing them further, provide XXXX. This phone number doesnt work either and goes through a bunch of advertising offers similarly to the provided number on the back of the card until it disconnects me. The app wasnt showing a payment I made 25 days ago and I needed to verify it was received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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

Car was repossessed in XXXX during XXXX. Noticed XXXX XXXX that I was XXXX during the times of missed payment. The sold the car for about XXXX leaving XXXX for me to pay on the XXXX XXXX XXXX.
Product: Mortgage

LOAN NUMBER : XXXX LOAN SERVICER : SHELLPOINT AKA SPECIALIZED LOAN SERVICING Sometime around XX/XX/XXXX, my husband and I took a home equity line of credit in the sum of {$52000.00} ( XXXX XXXX XXXX dollars ) against our home. 
Around XXXX, we were facing some financial difficulties and we could not meet uo with the monthly payment. 
Around XX/XX/XXXX, SHELLPOINT AKA SPECIALIZED LOAN SERVICING ( the servicer ) reached to discuss the debt and settlement of the loan. 
Around XX/XX/XXXX, an agreement was entered to settle the loan in the amount of {$20000.00} ( XXXX XXXX  Dollars ). The checked was cashed on the XX/XX/XXXX from our business account ( XXXX ) See attached. 
SHELLPOINT AKA SPECIALIZED LOAN SERVICING ( the servicer ) never updated the statement. We make several attaempts to get the servicer to provide us with an updated statement to reflect the settlement amount. But updates were provided from SHELLPOINT. 
On XX/XX/XXXX, we received a notice of Intend to Forclose from SHELLPOINT. 
We need your office to intervene and stop SHELLPOINT from forclosing our home.