23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a phone call from Commenity Bank every day and they have filled my inbox with voicemails stating my issue has reached an escalated status over the last few months despite when I mailed them and requested specifically written communication exclusively. I requested a copy of the last billing statement from the original creditor, proof of a debt I owe, copies of purchase orders/delivery slips/etc., any late fees that were incurred, and the license number and holder name for the debt collection company. I only received printed pages from the original creditors website with the total amount owed. I've called the company and informed them I've been a victim of identity theft and this account is fraudulent and they have taken no actions to assist in any investigation or dispute. I'm now filing this complaint per the suggestion of my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00}. 

In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Ally Financia - XXXX 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 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: Payday loan, title loan, or personal loan

Today XX/XX/2019 i got a call from some eagle financial company saying it was XXXX and that i had XXXX available for a personal loan all i had to do was pay a fee of {$94.00} dollars and after that they would deposit the XXXX dollars on my bank account .. At this point they have my account number and routing number bank name etc they just asked to confirm so i confirm after buying a prepaid card of {$94.00} on a XXXX  card the guy on the line asked for the code on back of the card i gave him the code then he asked for me to send picture of the card purchased and picture of the reciept along with it so i did send via text message the pictures as told after a while he said the money coulndt be deposited to my account because of my credit score he then asked for another card with money so i went bought a new card this time He asked for it to be a XXXX  card of {$100.00} i purchased the card he said i needed 2 more XXXX  cards with a total amount of {$150.00} ( {$100.00} in one card, {$50.00} on the second card ) he said that they was gon na send the money via XXXX  but i had to pay the {$150.00} fee for XXXX dollars and after that he would give me the information so i could claim the money in XXXX  so i did as told he never deposit any money to my account nor XXXX XXXX he hang up after letting him know i didnt have more money i tried calling back never answered it went straight to voicemail .. After a while he called back asking if i had the XXXX dollars to finished the process of the loan i asked for my money back and XXXX said it took 7-15 days at this point i have nothing left the money i used to buy the XXXX  cards was money earned to pay XXXX rent now im left with nothing.
Product: Credit card or prepaid card

To whom it may concern, I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to Unsecured revolving credit history short. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX and I am a female. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is XXXX
Product: Debt collection

A credit card company levied a garnishment against my savings account for XXXX dollars. The judge ordered this levy and searching my social security number, located my checking and savings account with XXXX. I receive XXXX a month in government XXXX. I only had XXXX in my account. The bank debited my account and took the XXXX. I 'm sure this is not legal. Should I sue them or just demand they reimburse my account for the money they gave the credit card company?
Product: Checking or savings account

This bank has been a problem from day one for me and ultimately I am intending to go somewhere else, but I am into this at this point and I need to get some things straightened out. I wanted to move an ira I have to this bank. They took multiple calls and about a month and a half just to get me the forms so I could fund this ira, admitting mistakes in that procedure. I got that sent in and by a week I got an email that they were going to close the account if it wasnt funded. I then tried to call and find out if they got the forms and what was going on. I have tried multiple, multiple times and either the time waits are too long or they transfer me and I get cut off or it has a long wait with myself not knowing how long that will be. At some point I have to move on. I also finally sent an email to ask for a call. They are not doing much in that area or are calling when I am not available. In fact I had to do one of these calls to the fedreserve complaint sytem and that is when they called so I missed that. WTH. Are they surveilling me so they can call when I cant answer? Also recently their system has started making it hard for me to access my account online. Now today I even get a message they need a phone number to text codes to me. I have no number for texting. They are causing me more and more problems. I want them put out of business as they obviously can not run any banking business properly. And like another bank I complained about with their ineptitude and problems they caused me I expect this bank to attack me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017, I sent a certified letter to Experian demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file for the disputed account they claimed were verified. I am positive that Experian is not in compliance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) because there is no way the accounts came back verified for ME because they do n't belong to me. Instead of honoring my request Experian sent me a letter stating that they will not reinvestigate due to previous dispute or unless I provided new information. I do not believe my letter was read because I was requesting proof the accounts were verified. I have also requested many times by letter and over the phone to have a name that does not belong to me removed Experian fail to do this my last name is XXXX not XXXX no other credit bureau is publishing this incorrect last name. I need the name removed.
Product: Credit card

Synchrony Bank is misleading consumers and is leading the way of creating deceptive business practices throughout the credit card industry. 

A Fee of 2 % of the balance is being charged for a " Equal Payment No Interest '' for any promotional plans of 18 months or longer on their XXXX XXXX XXXX Credit Card. The language of " XXXX XXXX XXXX XXXX '' would lead the average person to believe the minimum payment would pay for the entire purchase over the 18 months. 

However, the minimum monthly payment is roughly one third of the amount needed to pay the account balance in full by the end of the promotional period. 

So, Synchrony Bank is charging a 2 % fee to mislead the average consumer to not pay their promotional balance in full by the end of the promotional period. 

In my example : My original purchase was on XX/XX/year> for {$5700.00}. I was also charged a " Promotional Fee '' for {$110.00} on XX/XX/year>. Making my promotional balance and total account balance {$5900.00}. 

I was put on an 18 month " Equal Payment No Interest '' plan yet my minimum due was only {$99.00}.

Synchrony Bank is counting on consumers selecting the option for a minimum payment, and therefore is misleading the consumers.

By consumers only paying the " Equal Payment No Interest '' amount, one would be misled to pay {$1700.00}, which would not pay off the account in 18 months and Synchrony Bank would then be able to charge 34.99 % interest back to the date originally charged.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, you have failed to do co. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over 30 days ago and you have not yet responded : XXXX XXXX XXXX XXXX IN ( XXXX XXXX ) BALANCE {$15000.00} EQUIFAX CREDITOR : XXXX XXXX XXXX IN ( XXXX XXXX ) BALANCE {$13000.00} This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile. 

Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information I* hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries made by XXXX XXXX XXXX are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from XXXX XXXX breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  The following inquires made by XXXX XXXX XXXX XXXX fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from XXXX XXXX breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from XXXX data breach. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US 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 card

I called and spoke to customer service three times, and also talked to their next/final level. The card advertised 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks. 

I also asked to speak to a supervisor, I was told their supervisors only do trainings and do not speak to customers ever. Their system is flawed as well as their paperwork. 

When I received and activated the card on XX/XX/XXXX the introductory rate was not on website, instead it stated 21.90 % When I looked at the back of the customer agreement it stated " 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks that post to your account by XXXX. '' There was no date given. 

According to customer service after researching ( on phone for an hour ) I had to do the transfer prior to XX/XX/XXXX. However, I did not receive the card by mail until XXXX. They also said I could not transfer till I had the card in my possession. It took over XXXX weeks for me to receive after I applied. 

Their advertising prior to receiving the card and the written USAA Credit Card promotion and agreement when I received the card is very misleading. The paperwork I received has " by XXXX '' which is not a date. But over the phone their customer service insisted the promotion is not connected to my card. 

The company will not allow me to speak to a supervisor nor honor their promotion for a balance transfer/purchases until XX/XX/2024. They stated this is their policy and despite having paperwork that clearly shows no date they claim there is nothing they can do to activate the promotion.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Please be on notice that I am submitting this complaint to your company regarding blatant violations of my rights as a consumer. I am submitting this complaint based upon the following list of harassment and items of complaint : 1. I borrowed {$450.00} from your company and the total of the loan was {$630.00} after late fees and taxes.

2. The loan went into collection and I made arrangements to meet the agreement.

3. My remaining balance is {$210.00}, and your company was taking {$100.00} out of my account weekly.

4. In good faith I agreed to pay the stated remaining balance, however, the said collection agency started calling and threatening me with a lawsuit.

5. The harassment got very outrageous : a representative of said company named XXXX started calling me on my cell phone all times of day and nights stating that he was going to file a law suit and have me served a lawsuit at my place of employment! 

Therefore, since I have been threatened with by the collection company, I am now pursuing this matter by filing a complaint with the Consumer Financial Protection Bureau. I missed XX/XX/2018 payment, and in good faith attempted to make re-arrangements on the payment agreement but said company refused to allow same. 
I contend that XXXX XXXX XXXX influenced me, under duress, into a predatory loan. I further state that the collection agency is, with wanton disregard, violating The Fair Deb collection Practice Act.

This act prohibits collection agencies from harassing, threatening and inappropriately contacting someone who owes money. 







In addition, The Federal Trade commission uses the FDCPA to block debt agencies from using abusive, unfair or deceptive practices to collect from consumers. 

THEREFORE, I am seeking fundamental fairness in the way I am treated as a consumer with said company/agency, and re-negotiation of the debt agreement. Meanwhile, I look forward to a response or offer to resolve this complaint. 


Respectfully submitted, /s/ XXXX XXXX Cc : Consumer Financial Protection Bureau U.S. Attorney General Office Federal Trade Commission XXXX XXXX XXXX  [ L.S. ]
Product: Checking or savings account

I got scammed because of a check I deposited in my account, I am looking for a job, I got an offer letter they sent me an email with the pictures of a check front and back told me to deposit it to buy some equipment with those funds, I deposited it but then citibank the next day blocked my online access I called them and they said the account is under review told me to call the next day So I did, they said now they are closing the account, I have my whole savings in that account I cant go to a branch because I am not in New Jersey and here in XXXX there are no citi branches, I have to wait 60 days until I get my money back, I dont understand, I have things to pay I have my car loan the rent and my savings in general.