23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} has violated my rights. 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by incomplete information. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. 

I expect a prompt and thorough investigation into this matter to rectify the situation. If the issue is not resolved to my satisfaction, I may have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies or legal counsel. file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

this is Synchrony XXXX  account ( note : no problem with other Synchrony accounts ) 1. Bills do not arrive on time 2. I pay through my bank and they guarantee on time arrival at vendor and have verified that pays arrive at Synchrony on time ; Pay not posted to my account in a timely fashion.

3. Repeatedly charged late fees for what appears to be their porcessing problems XX/XX/XXXXXXXX  ( payment due date ) late fee {$41.00} assessed XX/XX/XXXX {$41.00} late fee.Again my bank issued payment 9 days prior ; bank records show payment cashed at Synchrony. 
XX/XX/XXXX another {$41.00} late fee-same routine XX/XX/XXXX another {$41.00} late fee-same routine This bill was paid on Synchrony pay site on XX/XX/XXXX but still has not posted as of XX/XX/XXXX over 24 hours later They will only remove 2 late fees a year. I was able to get a 3rd removed after escalating to a 3rd supervisor Something smells like 2 days old fish in the sun the {$41.00} fee is way above amount allowed by new XXXX law that limits CC issuers form engorging their bottom lines at the expenses of hapless customers ( THANKS CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to XXXX  and Experian to fix this issue as I have tried many times myself already with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

We tried to get a XXXX XXXX XXXX credit card but received notice that we were denied. Now XXXX  XXXX XXXX says we owe {$3000.00} on an account we dont have. We have not received any cards or anything from XXXX XXXXXXXX XXXX except the denial letter. This is on our credit reports but we have not had a credit card or a credit account to charge anything. We told them this but it is still showing as a bad debt on the credit report. We need this off our credit report because it is causing harm to the credit we are trying to get back to excellent. 
I have tried to find the letter stating we were not approved but if I find it I will forward to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two Experian and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the 3 major bureaus about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit card or prepaid card

The adverse action happened on XX/XX/2022 when I applied for the Apple Card. I was denied credit which is against federal law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate 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 fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not 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

I have a collection on my credit report from AARGON Collections XXXX location : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX. I have a collection from them and the only reason I know is because they attached the collection on my credit report ; the collection is from a gym membership fee of {$580.00} from year XXXX. When I called them they did not have my correct address or phone number, THEREFORE never properly contacted me. When I called them several times and I ask for that 30day notice of intent to collect or the validation letter ( they hang up on me ), I spoke with XXXX XXXX and someone called XXXX, and someone else prior with a thick accent but he never told me his name ( he just hung up ). They just refer me to their website to pay the collection. They avoid sending me any notices of communication they should have sent me, when i ask them for it. This is fraudulent practices also I need to know if their collection was reviewed by an attorney and it has to be in writing in their letter of correspondence. Something I have not ever got notice from them. 
This collection is wrong and has ruined my credit. Please help. I need that collection removed asap as it is affecting my financial well being. 

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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}
Product: Credit card or prepaid card

OnXX/XX/XXXX I received the email from time banking that my account was suspended for unknown reasons to me. I called the customer service for the past 3 days to get this situation resolved. They had given me nothing but the runaround, I even work with the company when sending it important documentation to verify that there wasn't any fraudulent action going on with my account. My account went for being suspended to close and now I can't get the money that I have in any of my. XXXX has officially left me out here struggling to take care of myself I'll come able to get my next paycheck. I have almost {$900.00} worth for funds that they need to send me immediately.
Product: Checking or savings account

Around XX/XX/XXXX my vehicle and debit card were stolen. The criminal withdrew over {$1500.00}. I froze my card and eventually reported it once I dealt with other things, stolen vehicle, moving, separation, single mom, etc. They refused to give me provisional credit, even though I was told I'd get one within 10 days. They denied my fraud claim and never told me. I called to check up on it and they asked for the police report ( never telling me it had been denied ). I followed up again and was told about it being denied. I had to send the police report again. I followed up and was told it was denied. I appealled it ( when i sent the police report the second time ) and requested the investigative evidence the fraud dept. used in their decision, and was ignored, but sent a letter denying it once again, only stating that " they found no error occurred ''. I spoke with many supervisors and even left a message with a supervisor 's supervisor and they never got back to me. No one will let me speak with the investigative fraud department. I just did an eMessage request for the details of the investigation AGAIN and have not heard back. I don't know what to do. I need my money back. I know who stole my car and card and she is a known shoptlifter and whatever other crimes she commits. The bank is Navy Federal Credit Union.
Product: Credit card

I have several credit cards operated by Synchrony Bank, and their behavior appears to be a deliberate strategy to negatively impact customers like me. Initially, they lure you in with a high credit limit, but after a year or twodespite never being late on payments or having any delinquenciesthey drastically lower the credit limit to almost nothing. This isnt just an inconvenience ; its a calculated move that has far-reaching consequences. 

By slashing my credit limit, Synchrony Bank has artificially inflated my debt-to-credit ratio, pushing it above 30 %. This has triggered other creditors to follow suit, further compounding the damage to my credit profile. As a result, Ive been denied low-interest rates, which has significantly increased the cost of my mortgage and other credit card payments. Synchrony Banks actions have effectively ruined my credit history, despite my responsible financial behavior. 

When I reach out for help, their response is dismissive : Just apply for a credit limit increase. But they never approve the increase, leaving me stuck in a cycle of financial damage they initiated. This pattern of behavior feels intentional, and its harming loyal, responsible customers who trust them to act in good faith.
Product: Consumer Loan

I received a call from someone identifying them selves as EOS CCA refused to tell me why they were calling unless I gave them personal information the caller id number was a XXXX number when I asked him where was calling from he said 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 XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} -XXXX  XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Checking or savings account

On Sunday XX/XX/XXXX I deposited a company check in the amount of {$5400.00} from XXXX XXXX that was written to me for a job I did. Then on Wednesday XX/XX/XXXX called to check my available balance was told there was a hold on the check until XXXX XXXX.went to to the bank to see why there was a hold. The financial center manager told me that she would not help me. This is not the first time I've had problems with her. She was very unprofessional, disrespectable and rude. The last time I asked her for assistance she had one of her employees push me. I've been a customer there for 10 years. The bank I'm referring to is Bank of America XXXX, Ga.
Product: Mortgage

I was told to forgo making my house payment and we would then be eligible for a loan modification through BoA. The usualthing happened in that it took over two years and in the interimwe did not make the payments while waiting. Our credit was hitvery hard and the derogatory remarks on our credit ratings wereaffected as well as over {$35000.00} worth of " interest and fees ''. 
Can anything be done to correct this? This also put our mortgageunderwater which means we can not refinance. Thank you.
Product: Mortgage

Documentation I requested under RESPA The Payment History, the Account Ledger showing 101 monthly payments of {$790.00} collected by servicer US Bank National from XX/XX/XXXX to XX/XX/XXXX, has not been provided to me yet. 
I am entitled to the information and the servicer will not give it to me. 
I have been asking US Bank for this information for 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.