23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX XXXXXXXX I applied in store for a TJX Credit Card and was denied. Sychrony bank to issue with a previous store credit card for Sam 's Club. Please refer to compliant CFPB XXXX XXXX. As requested by XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Bank I submitted a letter from XXXX XXXX XXXX  to Sychrony on XX/XX/XXXX. I had to continously resend this response letter to Sychrony bank since XX/XX/XXXX in XXXX, XXXX & XXXX of XXXX. In XX/XX/XXXX I was finally able to have confirmation from Sychrony Bank that they received the explanation from XXXXXXXX XXXX XXXX and that they would send a request to all 3 credit bureaus to remove the Closed Account of Sam 's Club from my report so that I would be able to re-apply for the TJX credit card. It is very important to me to receive this card because TJX Inc. is my XXXX XXXXXXXX However again I received a letter from Sychrony Financial about that Sam 's Club Credit card on XX/XX/XXXX that they had closed my Sam 's Club account due to : Possible reasons for this decision may include, but are not limited to, a lack of recent activity, account upgrade, delinquencies, or the use of a Credit Consumer Counseling Service. 

I don't understand why they sent this letter, since I did comply with their request to prove that the assumed NSF they received for two payments was through no fault of mine. I believe that Sychrony Financial is acting discrimatory towards me. I have not failed to have sufficient funds available for any payments to themXXXX XXXX XXXX XXXX has Justily taken ownership in their fault to release funds for payment. I have a credit rating of A+ and score over XXXX with XXXX XXXX XXXX XXXX XXXX XXXX I have received a Credit Card from XXXX on XX/XX/XXXX with a limit of {$7500.00} I also received a XXXX on XX/XX/XXXX with a limite of {$9500.00} I have XXXX XXXX, XXXX XXXX, XXXX as well. All used responsibly and providing 0 % interest rates. I have not used a Credit Consumer Counseling Service and I have no deliquencies. I did not have any deliquencies with Sychrony Financial either. They were always paid on time and my credit report reflected this. Sychrony Financial is discrimating against me personally soley over two additional payment attempts to pay-off the balance of my credit card and XXXXXXXX XXXX Defaulted and accepted responsibility for that action in writing. Which is what Sychrony required in their answer to the complaint mentioned above. I need them to honor their word, and stop blocking me from my application for a TJX Inc Credit Card.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : 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 XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XX/XX/XXXX Date of Inquiry XX/XX/year>, XX/XX/XXXXDate of Inquiry XX/XX/year>, XX/XX/XXXX Date of Inquiry XX/XX/year>XX/XX/XXXX Date of Inquiry XX/XX/year>, XX/XX/XXXX Date of Inquiry XX/XX/year>, XXXXXX/XX/XXXX Date of Inquiry XX/XX/year>, XX/XX/XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> XX/XX/XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

( XXXX  INC ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

I am 'Marcus by Goldman Sachs XXXX customer and have owned a savings account with them for a year almost. I had roughly ~ {$4000.00} in my savings account which I tried to transfer out to my checking account. The next day my account I open the app to check the status of my transaction and I see that my account has been locked out. I call their support team and they say that they will help me unlock my account by verifying my identity. I provide them with my Date of birth, full name, address, my social security, my secret catch phrase that i setup in the account. They say that okay to unlock we need to send you an OTP on your registered phone number. I own that phone number and its working completely fine but they say that they cant trigger an OTP because my name doesn't associate with the phone number. they ask me to call my carrier, I did calXXXX XXXX XXXX and they 100 % assure me that my name is correct and I can also see it on XXXX XXXX XXXX and everywhere. Its only marcus 's system that says that my name isn't associated. They ask if they can verify me using my driver 's licenseXXXX XXXX XXXX XXXX XXXX XXXX  barely making ends meet here and I don't own a drivers license. Now they have flagged my account for investigation. Marcus had all my savings {$4000.00} that i need to survive here in the US including paying my rent and food. I explain them my situation that I really need access to these funds and I beg them to verify me however they wish, I have access to the registered email and the registered phone, I can share my full social security but they say no we can only verify via phone number name association and drivers license. I feel so helpless that they don't have a branch that I can go to for help. I am crying here all day as my money is lost. I can't pay rent or eat food.
Product: Payday loan, title loan, or personal loan

On or around first week of XXXX I notified personal finance company of my situation and stated that my husband was just diagnosed with XXXX and that I would be required to stay home and be full-time XXXX  and I was reaching out to see if there was any kind of additional emergency type of qualifications I could apply for it to help me through this difficult time to make sure I stay on track with loan. I was told very quickly that there is nothing offered for any emergency situations or life changing events that alone must be paid can not be late or they would have to come and get the bike that the loan was against and sell it that my only choice was to have them redo the loan and have me get caught up and sign it well by XX/XX/XXXX I was told that was my only option I have to sign another loan agreement during that time I was overwhelmed with the news of the XXXX with my husband the seriousness of it and I felt like I was taking advantage of emotionally being coerced to sign a document as my only option. Since this time I have once again falling behind the acceptable amount of time before I'm getting calls and threats of taking my property once again I explained for the third time that my husband had XXXX away XXXX XXXX and then all I'm asking for is a little bit of time so that I can obtain the money from the estate to try to get back on my feet but until that time I can not give them a for-sure answer when I can pay I kept in direct communication with everyone during this hard time and what I thought was the light at the end of the tunnel was not a gentleman I spoke to said he was going to look over my loan and see if there was anything he could do and I said that's all I want just see what you can do you know all I could do is tell you the next week or two I'll figure out something okay I got off the phone with him then today XX/XX/XXXX I was called by XXXX XXXX who said he needs a payment today or they will come and take the bike I literally was shocked by how I was treated and talk to during a very hard time that was beyond my control he said I signed a loan agreement and I have to honor it so I told him I would do what I need to do to complain or be heard by someone else other than him and he said he will do what he has to do so now I worry that someone is going to bang on my door take my bike or traumatize me further all I want is for somebody who has compassion and ethics to review this matter and stop any inhumane things from happening to me during this time thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2020. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Money transfer, virtual currency, or money service

I am a receipient of a class law suit against XXXX XXXX in New York ; however, I moved to XXXX. 

When the time came to get the distribution checks, I contacted the attorney that handled the allegations ; to inform them that I had moved to XXXX  and provided my new address and contact info at : XXXX They responded that they will send me a check, after about 12 weeks they responded that, they have sent the check to my old address, and said that the check was cashed already by someone else, they sent me a copy of the canceled check. 

I then took the canceled check to Huntington Bank in XXXX  asking them to refund the funds, but Huntington bank, refused to re-imbursed me my funds. 

Plese help me to get my funds as I was not in XXXX, I did not get the check and Huntingotn Bank should have not cashed my check with out my ID. 

Thank you so much for your assistance on getting this funds that will make a big impact on my family.
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 Account number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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: Checking or savings account

Someone went inside the bank XX/XX/XXXX and withdraw {$15000.00}. Cash from my checking scale. They close up all my accounts. Got my money own hold it been XXXX and a XXXX months. Nobody told me anything. They stop answering the phone. They stop asking the email and they even abandon me from the premises. If I go on bmo  property I will get a Arrested
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I sent to Equifax XXXX Department a request to remove a " SR '' suffix which had been considered as part of my name. As they requested I sent a copy of my Driver License. They removed the referred suffix, but after almost a month after, it suffix reappear again. I tried by phone and online to receive an explanation why it was removed and shows up again. They open several cases for me, but it was up and down ( removed and showing again XXXX and the results were with no success. An representative from Equifax XXXX XXXX counseled me to send to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, and even help me by phone to write a letter requesting again to remove from my credit record the " SR '' suffix showed after my name, because I am not " SR '', and never have had the " SR '' suffix after my name. The representative recommended me to enclose a copies of : XXXX XXXX XXXX, XXXX XXXX, Driver License, Social Security Card and Form XXXX XXXX. XXXX XXXX Tax Return XXXX. On XXXX XXXX, XXXX, I sent the letter XXXX Certified ) with my name, address, e-mail, phone number, and I enclosed the copies of all mentioned documents. They received it on XXXX XXXX, XXXX, and after several dates they removed the " SR '' suffix in question. Now On XXXX XXXX, XXXX, I received an alert from Equifax XXXX XXXX informing that my name change, after reviewing the credit report I note that, again, the " SR '' suffix shows up. They said before that it was happening because an " unknown reporting creditor ''!!! was reporting it, but for they apparently the copies of the documents I sent on XXXX XXXX, XXXX have been not enough to prove that I have no " SR '' suffix after my name. Please help to solve this matter with this company. The other two Credit Companies XXXX and XXXX handles my name correctly.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$170.00} - XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from XXXX, XXXX, and Experian that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

My husband and I sent in dispute letters to each of the three credit bureaus and XXXX with a full size page copy of our driver license and utility water bill for proof of who we were and where we lived. Plus a letter from the bk court. I sent it in a XXXX envelop certified mail. I was disputing old information that is no longer valid and asked that they only have current information pertain to my name, address, phone number, useful information if someone is trying to get a hold of me NOW. I also asked for them to remove the BK info because the bankruptcy court sent me a letter informing me that they do not report to the credit bureaus that it was done by a third party non affiliate whom I did not give permission to. This information is damaging and is causing me stress. None of them took off the BK information XXXX, Experian, or XXXX and they sent me back a letter requesting everything that I had sent them stating it wasn't clear. It is VERY clear and easy to read. Last year we sent all of these bureaus requesting the same information to be updated correctly and we are still trying to have them do it a year later. I am tired of asking for my information to be correct and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested report. No response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX. Company name : SCA collections inc. Under us 15 1681.

has violated the XXXX  law. 
In accordance with the fair credit reporting act. 
The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) X1 ) 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: Credit reporting or other personal consumer reports

insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Checking or savings account

Yesterday ( XX/XX/XXXX ) I used mobile deposit to deposit a check in the amount of {$15000.00} from my husband 's TD checking account to my Bank of America checking account. This morning I received an email saying that they had placed a hold on the deposit " because we have information indicating that the check ( s ) may be returned. '' They are holding the funds until XX/XX/XXXX! 
XXXX XXXX XXXX account shows that the funds have left the account. I called and spoke to a Customer Service representative, and then her manager. I was never given a satisfactory explanation as to where the money is. My husband is XXXX and I am XXXX. We need those funds for bills that are going to be assessed to my account. I can't believe this could be legal!!
Product: Debt collection

I ( a natural person ) was issued a false debt that was also placed on my consumer report in XX/XX/2023. I have contested with CREDENCE RESOURCE MANAGEMENT by mail and they have refused to provide the requested information validating this alleged debt. Why would I pay an alleged debt to CREDENCE RESOURCE MANAGEMENT without a valid contract in place agreeing to such performance. This company has reported invalid information on my consumer reports, obtained my location information without my written permission and continue to ignore my requests. During this time of grief I am dealing with the loss of my close childhood friend and with the uncertainty in todays economy it really saddens me that this company would take these lengths to accuse me of such without proper or valid documentation.
Product: Debt collection

Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has XXXX  my XXXX  condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : XXXX. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

XXXX. Legal basis for collection. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Signed contract or agreement proving the debt. 
XXXX. Full account history.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with the platform
Product: Credit reporting or other personal consumer reports

I attempted on XX/XX/XXXX to make XXXX payment Due to the incompetence of the employee I was unable to pay the entire amount because I was XXXX $ short in one account and need to split into XXXX and XXXX the XXXX was processed but the employee did not know how to take the XXXX $ so she told me to call back the next day to pay but no one would answer for the next week and I finally emailed the company to have someone call me! Eventually after XXXX I was able to get someone and they processed that payment and took an advance on the XXXX payment. I called twice in XXXX and finally determined that they had tried to debit the wrong account. But was then fixed. All of this is recorded and commented on by their employees especially XXXX and XXXX, they took off late fees and said it was all taken care off. I sent concerns to inquiry @ XXXX XXXX They reported me late and dropped my credit score to XXXX from XXXX so I am devastated. I sent all info and asked for an investigation, they said they were justified. They couldnt have read the comments and come to that conclusion.please investigate this. I dont believe I can ever recover from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX acct # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX  # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} ( i never stayed in florida ) . 15