23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This past week my debit card suddenly stopped working. I called and was told it would work now and to try it again. It didn't. Then I noticed my zelle wouldn't work. 

My arm withdrawals wouldn't work. I went to a branch and couldn't withdrawal. I'm told my account is on hold for issues they won't tell me. They claim this hold is indefinite and they can hold my money forever and won't give me any details or timeline of this. 

These are my only funds. I need this account closed and my money immediately
Product: Credit card or prepaid card

Spoke with agent in XX/XX/2018 explaining hardship because I was fired and that I was having health issues. Made payment and requested arrangement but to no avail. 
In XXXX, I had another XXXX and called in XXXX, XXXX and XXXX to make arrangements to close account and stop interests and fees by making arrangement to pay them {$50.00} per month. They said unless I had someone to be responsible, that had a job, they could not make arrangements. In the meantime, they have raised the amount owed with fees and interest plus have been reporting to credit bureaus derogatory scores. I have never received call from anyone trying to settle or accept arrangement. I am XXXX and have health issues preventing me from getting a job.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account #. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was canceled. 

According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law. I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response.

This is my final request for the removal of this charge-off. Stop sending stall letters. All ID requirements have been met. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA. Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.
Product: Credit card or prepaid card

Card : Synchrony Bank -Home design. 

A purchase of XXXX was billed to my account on either XXXX XX/XX/XXXX or XXXX XX/XX/XXXX. Synchrony has told me depending on who I speak with, one of the above dates. 

According to them at that time I had signed up for email statements which I never agreed to as we never agreed to this on any account. We have several other accounts and we have never gone with that option. 

The email address they used for statements was an account that I had stopped using years ago so I never saw and statements. Direct debit had been set up on 2 other synchrony accounts which were paid off. Due to the fact that I never saw any statements on this account I assumed that the debit was for one of the other accounts but began to realize that this debit had been going on a longer than it should have been for the other paid accounts. 

In XXXX of XXXX I called Synchrony and inquired what account and purchase date etc. When they told me it was for a purchase using Synchrony Home design card account of {$4300.00} I was completely in the dark as we have never made a purchase that high unless for a car or a home! I assured them of that and demanded they provide a description of items purchased and they claim they would look into it after I filed a dispute with them. 
They stopped taking money out of my during this time. However before receiving any info they began to take the monthly payment again. 

I contacted them again and demanded they provide to me again what items were purchased and again no answer. I started another dispute again as I told them unless they can provide to me what merchandise was purchased I would stop payment. 

My guess was this purchase was fraudulent for reasons above. 

I have some questions that I need answers to. 

1. Why when we had cancelled the Home synchrony account before this purchase was it reopened. 

2. The alleged purchase was promotional and if so why were we hit with a penalty and subsequent interest for not paying the promo on time. Accounts like this when using direct payments set up at purchase time to complete by promo expiration date? This would have been satisfied years ago. We have paid to date more then the amount of the purchase X 2. on a purchase we never made. 

3. Why did it take a year after asking multiple times with fraud department by phone and letters to receive a letter from you that the purchase could not be verified? Your most recent letter reads " unfortunately we are unable to provide you with the specific information requested, as it is no longer available. 

4. During the last year Synchrony began taking direct payments before me receiving results from of disputes? 

5. How do you expect me to continue paying on a purchase we never made on items Synchrony can't seem to find? 

I have suspended direct payments until I receive a copy of signed receipt and a description of the items purchased on that date.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion on several different occasions to put a statement on my credit report where some company sent information to them that I owe them money and I don't owe this company any money at all. I ask Transunion to put a statement on my credit report that I have denied owing this company called XXXX XXXX. I have also sent them letters asking them to place a statement on my credit report stating the company must contact me first before they check my credit along with my phone number. Any company requesting my credit report they must call me first before they check my credit because I am a victim of identity theft. They did not do it. I have sent them several letters also concerning my credit report. They have it blocked where I can't see anything on my credit report. I did receive a copy of my credit report by mail when I could have looked at it on my computer. I have asked them several times by mail to please unlock my credit report so I can take a look at my report, They have not done that. this has been going on for months now. Every time I try to access my credit report it tells me that and error occurred, for months now this has been going on. They also said I could report file a dispute on line but it will not allow me to even do that either, In other words I can't do anything on line concerning my credit report. Everyone else else gives mr my credit score for free but not Transunion. They refuse to give me my credit score. They want me to pay for it but other companies are free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX na XX/XX/XXXX XXXX XXXX XXXX na XXXX XX/XX/XXXX XXXX ) XXXX   XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX oil no XXXX on XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These are all unauthorized inquiries made by someone other than me please remove from my report. I have already begun contacting all the appropriate parties.
Product: Mortgage

On XX/XX/2020 Dovenmuehle received a mortgage payment in the form of a money order in the amount of {$500.00}. They applied the funds to the mortgage as a payment. See attached statement. The next day they reversed the payment out calling it a " Long Form Misapplication Reversal ''. See attached statement. We have called them and emailed them asking why and what has happened to the payment. Todate we have had zero response or anyone on the phone that can help us. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Product: Debt collection

Aldous and Associates has a an account that was opened on XX/XX/year>. I have lived at the same mailing address PRIOR to the creation of the claim of debt on my XXXX credit record. 

I have NEVER been notified of their claim of owning a debt in any form since the creation in XXXXXXXX XXXX XXXX Much less have I had the ability to dispute this supposed debt which I do not recognize.
Product: Credit reporting or other personal consumer reports

Account information : Original CreditorXXXX XXXX Account # ( s ) - XXXX ( XXXX ), Equifax ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. 
I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. Additionally, I ask for written confirmation once these inquiries have been removed. 
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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my ongoing and unsuccessful attempts to have fraudulent items removed from my credit report. 

Since then, I have made numerous attempts to resolve this matter through your customer service department. I have contacted your representatives each time detailing the fraudulent charges and requesting their immediate removal. 

Despite my repeated efforts, I have not received a satisfactory resolution to this issue. I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute forms or additional evidence proving the fraudulent nature of these transactions. 
I understand that addressing cases of fraud can be complex, but it is crucial that this matter is resolved promptly. I insist on a thorough and immediate investigation into these fraudulent charges and their removal from my account. Additionally, I request a written confirmation of the resolution and the actions taken to rectify this situation. 
Please treat this matter with the utmost urgency and seriousness, as it directly affects my financial well-being and security. I am asking for your assistance to remove immediately these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 transferred the balance of my XXXX XXXX Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my XXXX XXXX Credit Card which is no longer {$1600.00} it's {$0.00}
Product: Checking or savings account

I sent the wrong person money and I tried to retrieve it I couldnt do anything about it I reached out to customer service and nothing could be done they said it was my fault now I no longer access accounts its been a whole headache
Product: Credit card

I have a credit card from Macy 's. Without my consent, they enrolled me in a credit protection program from Citibank in which they will charge my account. I received a letter I was enrolled in the program. They provide a web site for me to cancel. i search the address sevral types and nothing shows up. I have to try to call them to cancel. I am a very busy oerson and I should not be enrolled on programs without my previous consent.
Product: Debt collection

Credit Collection Services claims I owe an amount of {$1400.00} to XXXX XXXX XXXX. This balance appears to reflect coverage from after I switched to another insurance company, XXXX was provided with proof of insurance and as I recall, one or two reps verified receipt. I switched companies several months ago from XXXX XXXX to XXXX XXXX, proof of insurance was emailed to XXXX.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Student loan

I am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it.
Product: Credit reporting or other personal consumer reports

I contacted the two credit bureaus equifax and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX