23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a Synchrony Bank Stein Mart credit card. In XXXX, XXXX I received a bill which included a charge for $ XXXX.made on XX/XX/XXXX in XXXX XXXX , CA. This was not a charge I made. I contacted the credit card company and explained the situation. The credit card company explained that there were several attempts to charge on this card and that they had closed it due to suspected fraud. 

In the following weeks, I received a questionnaire regarding the disputed charges. I filled this out and returned to the company ( unfortunately I did not keep a copy ). 

Today I received a " Claim Review Completed '' form from Synchrony Bank indicating, " The Synchrony Fraud Team has reviewed your claim and is unable to approve it for the following reason ( s ) : You authorized, participated in, or benefitted from the purchase. '' I was never in XXXX XXXX in XXXX, nor did I charge {$500.00}. Synchrony Bank should be able to easily verify this as they are already aware of several other fraudulent attempts to use this card on that same day. I feel Synchrony Bank has acted in bad faith in the following ways : First, they were already aware of fraudulent activity on my card, yet sent me a bill for transactions they already suspected were fraudulent. Secondly, they have denied my fraud claim. I have been cooperative with Synchrony Bank and reported this fraudulent charge in a timely manner. I do not understand why they refuse to acknowlege that the charge is fraudulent.
Product: Credit card

An inquiry showed up on my XXXX credit report from JPMCB on XX/XX/2004.
Product: Credit reporting, credit repair services, 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 report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hi myself my mother and also my daughter are eligible for the cash app settlement. On XX/XX/year> I believe it was the XXXX I contacted them on behalf of us all and they gave me a fake link to submit the claims I have screenshots I contacted them by chat and also email to let them know hey its not working they sent me another link which also didnt work I spoke now that the deadline has passed we have noway of benefiting from the settlement because of this I spoke with them and they said hey we dont send out links and emails this must have been someone else pretending to be cashapp in so many words. But my screenshots proves that this information came directly from them. THEY GAVE US FAKE LINKS SO WE COULDNT SUBMIT CLAIM WHICH IS REALLY UNFAIR BECAUSE ME ALONE LOST ALOT PLEASE HELP US. I have 2 emails associated with my cashapp I have communication with cashapp support concerning this issue on both of my emails : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. There is a comment related to my XXXX XXXX, it says dispute final and consumer agrees... I never filed a dispute against this card at all. please remove that XXXX. XXXX XXXX XXXX is not a delinquent account. According to their reply to my complaint against them, they gave you the correct information - this account is being paid on monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Installment loan XXXX XXXX BAL : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all XXXX Entitys about this billing error on my credit reports. XXXX, Equifax, & XXXX to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.
Product: Credit reporting or other personal consumer reports

I am filing a complaint because Experian has failed to correct inaccuracies in my credit report regarding a charge-off account that is listed twice. The account is showing late payments of 60 days late in XX/XX/XXXX and 120 days late from XX/XX/XXXX through XX/XX/XXXX. However, the report shows no payment history prior to XX/XX/XXXX, making this reporting inconsistent and inaccurate. 

Timeline : On XX/XX/XXXX, I disputed the errors on my credit report with Experian by mailing a dispute letter. 
The XXXX investigation period ended on XX/XX/XXXX, but Experian did not provide any updates or corrections. I called Experian monthly from XX/XX/XXXX through XX/XX/XXXX. I sent another dispute letter stating Experian never provided an update on the investigation not did they remove the duplicate and inaccurate information. 
After following up with Experian on XX/XX/XXXX, I still did not receive a resolution, and the information remains unchanged.
Product: Debt collection

I am also requesting the removal of the XXXX XXXX Collection account for XXXX XXXX for Client account number XXXX at service address XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX with a service date of XX/XX/XXXX. The item in question is equipment not returned and an end of statement report with a disconnection of service. 
I am unaware of this account and would like XXXX XXXX to provide proof of receipt of the equipment in question as well as me opening this account. This account also randomly just made its way on to my credit report some 4 years after the date of the end of this account and there is no history of any late payments, late payment notices, receipt of equipment sent to me, and the time of the reporting of delinquency is inconsistent and is erroneous in nature. 

The Request focuses primarily on Section 809 of the FDCPA, 15 U.S.C. 1692g. Section 809 ( a ) provides that, within five days after its initial communication with a consumer about a debt, a debt collector must send the consumer a written notice. 
There was no communication with me at any point of time with the creation of this cox account, the equipment being rented by me, or the delinquency prompting me to handle this account before it entered collections. The dates for the service address do not match the information on file that is being reported as well. My permanent resident at the time of the creation of this account is XXXX XXXX XXXX XXXX XXXX, MD XXXX not XXXX XXXX XXXX XXXX, CA XXXX. The collection is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my detailed dispute and proof on XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/XXXX - XXXX sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Crypto.com never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX, XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an auto loan with this company WestLake Financial. They are fraudulently reporting on my credit report that I have an auto loan with them and I do not. I have only one loan/lease and that is not with this company I can not reach a supervisor and I have been hung up on twice when asked to speak to a supervisor. I would like this account removed from my credit report. I do not have a contract with this company.
Product: Debt collection

this company keeps calling saying I have a returned check from 20yrs ago and threatning court action but they will not send anything to me in the mail proving it is my debt, I have requested more than 3 times that they stop calling and mail something to me so I can see the prof ... ..they are also calling my mothers phone, my fathers phone and my house and cell phone, I havnt spoken to my father in over 17yrs and what could my mother possibly have to do with it? 
other numbers called as follows ... ... 
XXXX XXXX XXXX
Product: Debt collection

Was contact by an outfit called Summit Consumer Group about an XXXX credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from XXXX with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX. This Summit Consumer outfit is very sleazy and unprofessional They catch people off guard and out of the blue.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

When I had set up both my Credit Cards, roughly a half a year ago, all the information I put in was deemed correct, and It was all complete. Since then I HAVE DROPPED XXXX POINTS?! I have tried so many times trying to fix this situation. I have called both, XXXX & Discover. The automatic pay I have set up on both my banks is my Savings Account. I had PLENTY of money to make my payments. According to Discover ; Automatic Pay through my XXXX XXXX XXXX XXXX ( SAVINGS ACCOUNT ) is not available, so every month I had thought I have been paying on time, I was not. This is not my fault, how can they accept my Bank Information just to XXXX me over? I had no idea until I had a notification of my XXXX saying I was down 100Points! This is ridiculous. Each payment I had to pay would be in the range of 250-300, MAX. I had PLENTY of money to pay that, but because it was never able to go through, IT WAS DEEMED A LATE PAYMENT. This is unfair, and a very sad thing to find out before XXXX. Please help me and let me know on what I should do next. Thank you.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service.

Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX XXXX  XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX  On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX  ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are XXXX company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.
Product: Credit reporting or other personal consumer reports

I have made some attempts to dispute a specific account under XXXX XXXX with Transunion, XXXX and XXXX and have not gotten a written response. All 3 of the credit bureaus ignore my dispute requests and this inaccuracy is still on my credit report. This account is inaccurately reporting under the payment history : there is missing data, there is inaccurate data and unmatching data and is in violation of the Fair Credit Reporting Act.Under 15 U.S. Code 1681 ( e ) bAccuracy of reportWhenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.
Product: Vehicle loan or lease

I have spoken with several people over the past few weeks to help with my loan repayment and hardship opportunities available to me as a consumer. This company has made statements of helping and then went back on their word and absolutely refuse to offer any fianancial hardship assistance. This is a breach of contract. I am eligible and qualified for hardship deferments and they are refusing the grant that request after I have been told that it would be done and completed. They are forcing me into repossesion. I am having a hard time speaking with any one that is willing to help. I have to ask them to go back and listen to the calls. Then they still don't honor the misinformation and argue with me about repaying my loan. I have had issues with this company in XXXX  for this same reason and they never responded to the complaint. I seek to be made whole. and my hardship deferment honored. I was asked to pay a certain amount to avoid that repossesion in XXXX and then they would do a deferment. They are now refusing to honor that deferment in which I legally qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  services appears on my Experian credit report illegally. 

As a result of this ; Experian currently reports negative remarks such as. 

: High balance : Miss payments : Account and collections XXXX XXXX XXXX   services ; currently does not report account balance. A violation a violation of section 1681 XXXX XXXX XXXX services ; currently does not report if account was sold a violation of section 1681 Please know that these are egregious actions taken against me by Experian credit reporting agency. With multiple Violation of FCRA rules section 1681
Product: Credit reporting or other personal consumer reports

i have have account showing balance that does not belong to me. unauthoride inquiries. 
15 U.S.C 1681i ( a ) ( 1 )
Product: Credit card

I have had a target credit account for almost ten years. 
I had to take a trip abroad for a work emergancy, and the first change I got I called to pay my bill, and they collected payment information, and even transferred me to put the travel notification on the card, only to find out they closed my card two days ago, and said there was nothing they could do. It was two days, even though I paid the amount currently required. How is this fair when it was impossible to contact you.
Product: Checking or savings account

I opened an account with a money management bank account in an app called Albert. I recently got a new debit card from my bank I linked to Albert and all of a sudden it UNLINKED my bank. They told me to relink my account as well as my new debit card. I performed this on XX/XX/XXXX. It is now XX/XX/XXXX and it's still giving me an issue. So I decided I want to close my Albert account. According to them to do that I need to withdraw all the money that I have saved in that account so that it can be XXXX. I have done this but there's still a {$1.00} left in my account. On Albert. However upon checking my bank I've noticed that Albert did indeed actually deposit the money into my account but it's still showing up on Albert that I have a positive balance of a dollar XXXX. Not only that but it's still not connecting my bank account so that I can withdraw the funds. They have been absolutely no help at all I find it very odd and quite disparaging that one little change I made to my account cause them to completely unlink my bank account and is making it ridiculously difficult to really get back. I am beyond upset and disgusted with this company I do not want to do business with them anymore but they are refusing to close the accounts let alone their system is just not accepting information that is credible in regards to relinking my checking account from which my income comes from. It's has been a very frustrating and unprofessional experience I've had with them and I do not want to ever do business with them ever again but for whatever reason there are refusing to close my account.