23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a savings account on XXXX XXXX with Synchrony Bank. My first statement, covering the period through XXXX XXXX, reported an average daily balance and an earned interest that were substantially lower than my calculation. I called the bank three times to inquire about this. Each time, representatives quoted the same method for calculating the average daily balance as I had been using ( " add each day 's balance and divide by the number of days in the statement period '' ), but were unable to address or account for the numerical discrepancy. On each of the three phone calls, the representative assured me that a person able to address my concern would call me back in the next 3-5 business days. No one ever called me back. 
There were no discrepancies in the calculation of the average daily balance or earned interest for the following statement period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Disputing Accuracy of Credit Report Dear Experian, I am writing to dispute the following information in my credit report. The items in question are not accurate. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( 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.

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Regarding the treatment of inaccurate or unverifiable information, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 

I am requesting these items identified permanently removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address, inquiry, credit card and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX  ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form
Product: Debt collection

I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to Amsher, who then sent it over to their attorney office, XXXX XXXX located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called Amsher in order to dispute the debt. Amsher told me that I had to go through XXXX for anything further since the account was transferred over to them. I have now been in contact with XXXX for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called XXXX 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in XXXX 's hands that they need to be the ones to send me a dispute validation. XXXX 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.
Product: Debt collection

I have been receiving calls from a debt collector regarding XXXX XXXX. They have been continuously calling me every single day up to 4 times per day. I have told them I do not know who this person is and I have personally owned this # for 12 years. However, they continue to call. They are a nuisance to my life. I have blocked them from each and every number that they have called me from, but they manage to continuously call me. The most recent number that they have called from is XXXX CKS Financial.
Product: Credit card

I was incorrectly charged {$820.00} by XXXX XXXX for a Collision Damage Waiver ( CDW ) that should have been billed directly to XXXX Insurance XXXX This charge was made to my Discover card. 

After my car was damaged in an accident, XXXX arranged a rental car for me. They confirmed via text message on the rental day that XXXX coverage was included and that XXXX had acknowledged it on their system. However, XXXX erroneously charged me instead of XXXX. 

On XX/XX/year>, I visited the XXXX branch and spoke with the branch manager, XXXX XXXX. He admitted that his staff made a mistake when closing the rental agreement and charged me instead of XXXX. XXXX agreed, as documented in an email exchange with XXXX XXXX, my XXXX case handler, that XXXX would refund me and correctly bill XXXX. 

Despite this agreement, XXXX has not refunded me, and XXXX has stopped providing updates or a timeline for resolution. I filed a dispute with Discover, providing all relevant evidence, including : Text messages from XXXX confirming the CDW arrangement. 
Emails between XXXX and XXXX acknowledging XXXX 's error. 
Documentation showing both XXXX and XXXX agreed I should be refunded. 
On XX/XX/year>, Discover denied my dispute, claiming the transaction was valid without providing a clear explanation. I never received any mail or communication from Discover explaining their reasoning, as promised. 

This situation has caused undue stress and inconvenience, including multiple visits to XXXX and hours spent on calls and disputes. I am left with a charge of {$820.00} for XXXX admitted error. Both XXXX and Discover have failed to take responsibility, leaving me unfairly charged. 

I request CFPBs assistance in resolving this matter and ensuring I receive the refund I am owed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

I am writing to formally complain about the persistent and harassing phone calls I have been receiving from representatives at Comenity Bank. Despite my repeated requests to cease calling me, the agents continue to contact me multiple times a day, which I find disruptive and concerning. 

These calls have not only been an inconvenience but also seem to disregard my rights under the law. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in harassing behavior, including excessive phone calls, especially after being asked to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. Following the Equifax data breach I placed a freeze on my credit reports with all three credit agencies. I almost signed up for the " free credit monitoring. I quickly realized if I did indeed log on and use that service the company would no longer be held accountable ... Now, a month and a half later, I need to temporarily lift the freeze and let my lender access my credit report to complete a loan on the asset that I 'm purchasing. I 've been trying to contact Equifax online and over the phone for three hours to lift the freeze and have n't been able to have my request fulfilled. They do n't have access to customer service at all! All their phone numbers refer to automated systems which also do n't work and offer you to send requests via mail! 

I 'm sure there consumed with legal issues and lawsuits but ... Equifax should be especially attentive to its customers now after the data breach, but it seems that the company does n't care about its reputation at all. After three hours of unsuccessful attempts to resolve an issue that should n't have taken longer than a few minutes, I feel totally helpless and lost. 

Bottom line is there are accounts or activity that you do not recognize could indicate identity theft. 

I do want to file a lawsuit for past, present and future damages.. I also want all credit bureaus to remove all 3 credit freezes. 

There seems to be accounts or activity that I do not recognize could indicate identity theft. There is unusual activity taking place at the moment..Now that my personal info is leaked, my social security number, everything! I do n't need 1 year of free credit monitoring, honestly you should be offering 75 years of credit monitoring! But I 'm not interested in your credit monitoring services. 

My lawyer advised me to contact Equifax we recorded the phone calls and it was the worst customer service, words do n't describe. We could not get in touch with one single representative!! ( Over the course of a week )!!!! 



P.S. unrelated to the lawsuit we will most likely file ... I would appreciate a refund from Equifax for the {$15.00} I paid to freeze my credit report. I would also like them to refund me the other {$15.00} to lift the freeze or that they lift a all 3 themselves. I would appreciate if Equifax could lift my credit freeze & contact the other 2 bureaus to remove the credit freeze as well. 

Once that has been completed we will most likely file a lawsuit for damages, this will JEOPARDIZED my identity for THE REST OF MY LIFE! 

Compensation : {>= $1,000,000} Thanks and looking forward to your response.
Product: Debt collection

I am filing a complaint because CONTRACT CALLERS INC has inaccurately reported a debt on my credit report without marking it as disputed, despite my formal written dispute. This failure violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

This is in response to the text messages I have received from you. As it is my right under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you immediately cease and desist all communication with me, my friends and members of my family immediately. 

Any further contact by your company other than a letter stating what specific action you intend to take will be in violation of my rights according to FDCPA, and I will issue a complaint with the Attorney General 's office.
Product: Checking or savings account

Approx XX/XX/XXXX - debit card stolen I reported the following day cancelled card Was told they would review and investigate/ XXXX mos pass by of their staff not returning calls ; emails ; repeatedly have to re explain XXXX and XX/XX/XXXX filed. 

XXXX days later - spoke with ML rep who had me resign affidavit XX/XX/XXXX given provisional credit for the money taken from atm. I thought ML indicated they had my back but them with no response call etc XX/XX/XXXX Money was reversed and up to and past point no one from money lions called texted etc
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I was involved in a truck VS. bike accident. I was the bike rider. This accident required transportation to a hospital and hospital charges that were paid for by accurate billing to my accurate insurance, via a card that I provided. Over the next 11 months my lawyer and I were contacted repeatedly by Florida XXXX XXXX about an outstanding bill. Florida XXXX XXXX was provided with my accurate insurance information. On XX/XX/XXXX I was sent a " FINAL NOTICE '' from Florida XXXX XXXX for this balance as they appear to have been incapable or unwilling to update their billing information. Included with this note was a statement was a reference that the matter would be handed over to a collection agency. on XX/XX/XXXX I sent XXXX via registered mail a note that included copies of these insurance cards. I also informed them that I would be happy to send copies of that note to the collection agency, as well as my lawyer, and let them know that if I was contacted by a collection agency, I will consider that referral harassment. 
Today XX/XX/XXXX I received a letter from Gulf Coast Collection Bureau attempting to collect this outstanding debt. I'm in the process of contacting a lawyer.
Product: Checking or savings account

I filed a dispute with my bank.. I feel like they did not try to investigate the issue.. My claim was instantly denied.. The fraud occurred in XXXX, XXXX Im in XXXX, XXXX XXXX XXXX taken out my account and my bank did nothing about it
Product: Payday loan, title loan, personal loan, or advance loan

I used the Albert app for a cash advance. In order to get an advance, you have to pay for their " Genius '' subscription which is {$9.00} a month. I recently repaid my cash advance ( I think, more on this later )- and went to log into the app to delete my account as I didn't want their service anymore. Currently, even though my subscription is PAID AND VALID THROUGH XX/XX/year>, I can not log in unless I agree to pay them {$16.00} a month - a 70 % increase! So I've paid for this app that I am now locked out of and can not log into because they want to charge me more money, which means I can't see any of my repayment statements, see what I owe them or if I owe them, or see what money of mine they are currently holding onto in their " investment account ''. Their support team is awful- there is no phone number to call, they only work via text or e-mail and even then the pace is slow and they give me circular information which doesn't resolve my issue. This is extortion - how can you prevent someone from reviewing loan details or accessing money you're holding of theirs by forcing them to pay a high subscription fee WHILE THEIR ACCOUNT IS ALREADY PAID AS AGREED. INSANE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Product: Debt collection

Received a letter from Recovery Partners , LLC on XX/XX/2022, that I failed to provide valid insurance information or resolve the outstanding balance on a claim. They have the title as " Driver License Suspension Request and Claim Settlement Offer '' at {$26000.00} which is different from balance due. I was not involved in a car accident where they need valid insurance information, or they threaten they are sending the request to the DMV.
Product: Checking or savings account

My account constantly said I had more money in account then when I pull money out I would get charged late fees constantly and the app online was never working now they say I owe them money and I don't they owe me!! I've been with them for over 15 years always in good standing until they started screwing with my account
Product: Credit card

My Credit Card balance was XXXX on XX/XX/2024 I paid the entire balance accept {XXXX. My payment haven't even posted and synchrony bank decrease my credit card balance to XXXX. I spoke to XXXX ID XXXX in OH and she said there was nothing she could do. This is the second credit card they have decrease my balance. This is red lining and someone needs to check into this. She also said she pulled my credit, all three credit reports are frozen. I have spoken to others and they also said the have had the same issue. 

Thanking you in advance, for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlockKhc. ) 40e to equa 10 ) customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:3 as untair and deceptive, as they did nor '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Rude and agressive man called asking how we plan to pay the {$700.00} Dls that we owe to XXXX XXXX. Relentless even after we explained : We did make a purchase at XXXX XXXX, and paid the entire amount with XXXX XXXX XXXX at the time of purchase. We DO NOT HAVE A XXXX XXXX account. He refused to answer how he got our purchase information. We hang up while he was yelling. Unfortunately do not remember the man 's name, but said he was with Ashton and Weinberger. My phone ID shows this info : Ashton & Weinber, XXXX, XXXX, XXXX XXXX. 
I found on the Web several complains of the same phone number and Ashton & Weinberg using the same rude, aggressive tactics, claiming non exiting debts to harass people, just as the experience that we had.