23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 Owed : {$1000.00} ; XXXX  XX/XX/2022
Product: Debt collection

I had internet services with XXXX at my home. Their costs kept going up without explanation and their late fees were too high! I am a Single working mother on XXXX and our insurance is XXXX. I found a much better deal with XXXX XXXX  and had them connect our internet on XX/XX/XXXX. The following day, I tried to call XXXX by phone to have it disconnected, but could not get through, so used their chat function. I told them I wanted it disconnected that day. The Customer Service Person kept trying to convince me to stay every time I said, " No, disconnect now, I already have a new provider. '' I had a feeling there was going to be a problem, so when they FINALLY agreed to disconnect, I took screen shots of the chat. I have attached them below. The Customer Service Agent said, OK, we will disconnect on XX/XX/XXXX, and prorate your bill. I don't know why they made me wait this long, probably because of their billing period. They also verified my email and phone number in the chat screen, proving it was my account. 

Unbeknownst to me, XXXX DID NOT close my Account, and continued charging me for 2 more months! They closed the account in XXXX due to " non-payment ''! This is now affecting my Credit Score, and it is not fair! I have asked XXXX Twice to look into this. I am going to send them documentation now and I also sent the collection agency the evidence I am attaching below. The first time was XXXX, XXXX, and they did not change anything. The 2nd time was today, XX/XX/XXXX, and I will be following up with written documentation and proof. 

I do not like XXXX. They are very pushy and untrustworthy. I only signed up with them initially because the previous owner where we lived had purchased the router so we wouldn't have to pay rental charges. With XXXX, there are no rental charges, so I am much better off.
Product: Credit reporting or other personal consumer reports

I recently reviewed both my Transunion and XXXX credit reports and noticed this fraudulent, unauthorizod enquiry on my credit reports. XXXX XXXX XX/XX/year>. I didn't apply for anything. I didn't authorized this enquiry :.
Product: Credit reporting or other personal consumer reports

XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXXXXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint and it was closed. This company stated that they applied the {$960.00} to my balance in XX/XX/2022 and they did not. In addition, they did not present a signed company of lease agreement and the lease agreement is crucial to the determination of this matter. It is my argument that I have paid these people in full. They have put this on my credit in an attempted to create a hardship for me and to force me to pay money that i do not owe.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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

On XX/XX/year>, Truist Bank closed my account without warning. My paycheck for over {$2000.00} was deposited on XXXX XXXX ( confirmed with employer ). As of today, Truist refuses to give me my money in my account. I have called countless times. Im at the end of my rope.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you XXXX be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX, i s reporting to the credit report agency I never have any relation with that company please remove the worn information inmidiatly.I check my credit report and find information is not below to me and is affecting my credit score. please help me to remove inmidiatly
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has XXXX my rights. 
XXXX XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has XXXX my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX LA XXXX has violated my rights. 
XXXX XXXX XXXX Missouri XXXX has violated my rights. 
XXXX / XXXX XXXX XXXX, 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts to reach out to Synchrony Bank/Ashley XXXX, they have failed to remove the inaccurate reporting of 8 late payments in XXXX/XXXX  on my now closed account. 

I was NEVER late on this account. The lates they reported were due to fraudulent charges I was not aware of at the time. 

I filed a report with the FTC and SYNCB investigated the disputed amount. It was resolved in my favor. They informed me via letter that all charges & fees would be credited and that they would update the major credit reporting agencies -- which they did not and it has been 2 years since the resolution of this dispute. 

Working with Synchrony has been a frustrating and difficult experience with their poor customer service and lack of follow-through. I will not obtain credit through them anymore. They do not look out for their customers. Very disappointing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX, XXXX Account XXXX, 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 my written instructions 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/XXXX I send Aldous and Associates a debt dispute letter through my attorney XXXX XXXX XXXX. On XX/XX/XXXX my attorney received a response but the collections agency did not address my concerns about how I had cancelled the account several times, and cancelled an extra charge several times while I had the account so I did not owe the money. 
I never received back a response to this and then they reported my debt to collections without notifying me that the debt was validated. I have have XXXX  correspondence with Aldous and Associates wince XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has harassed me for over XXXX XXXX, reporting inaccurate information and keeping me from obtaining credit lines and buying a home because they are illegally reporting fees they tacked on to the end of a XXXX XXXX account. They are constantly emailing me that my payment is due, every month when this account has been paid off and closed for almost XXXX XXXX. I plan to sue them for harassing communications if this is not rectified immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX has submitted a reinsertion request for the account ending in XXXX and they have not gotten a confirmation that it was processed by Experian. Please confirm that this has been reinserted on my report as it was previously removed. I am an authorized user.
Product: Mortgage

In XXXX of XXXX I reached out to Guaranteed Rate Mortgage Company for my home purchase journey. I was told before they could issue me a pre-approval I would have to pay off a Judgement in the amount of {$5000.00}, which was done. On XX/XX/XXXX I was issued a pre-approval letter in the amount of {$260000.00}. My family and I were so happy and immediately begun our house search. On XX/XX/XXXX we went under contract and signed the sells agreement. On XX/XX/XXXX I paid {$590.00} for the property to get inspected, XX/XX/XXXX I gave the seller a deposit in the amount of {$2000.00}, and on XX/XX/XXXX I paid {$570.00} for the appraisal. On XXXX XXXX I received an email from Gauranteed Rate saying they received all paperwork and has started my mortgage application and to sit tight they will send me details when they had my approval numbers ready to review. Also on XX/XX/XXXX I signed my Loan Package/ Disclosure with Gauranteed Rate. On XX/XX/XXXX I received an email stating that I needed to submit additional documents in order to move forward, which I submitted on the same day. On XX/XX/XXXX I received a text stating that my loan has been submitted to underwriting. On XX/XX/XXXX I received a call from my loan officer saying that they have to withdraw my loan application because of a XXXX flip rule and that he would transfer my file with all my documents to another loan application. On XX/XX/XXXX I received a notice of withdrawal letter. On XX/XX/XXXX I resigned the sales agreement. On XX/XX/XXXX I received an email from my loan officer saying that he received the new sales agreement and in order for me to move forward I would need to pay off my car note ( which wasn't told to us before we went under contract or when we were asked to pay off the {$5000.00} ) judgment ) when I explained to him that that wasn't possible due to my children having covid and my fiance having to take time off of work I was the only one with income at the moment, he then said that without the car note being paid off then its a chance our loan will be denied. We already spent over {$8000.00} based off of me getting an approval and was told we would be going to closing on XX/XX/XXXX. On XX/XX/XXXX have reached out to the Company directly to file a complaint but no one is giving answers on too who dropped the ball. I have emailed the assistant manager, customer success and yet to receive an email back I also left a message and yet to get a response after being told someone would call me back that same day or within 24 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Date of inquiry : XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Account Number : XXXX
Product: Debt collection

Around XX/XX/2022 my boss received several phone calls from Midland Credit Management on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.
Product: Credit reporting or other personal consumer reports

XXXX USAA Visa Rewards card I am filing a complaint against XXXX for failing to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), and reporting misleading information that has damaged my credit. 

Failure to Conduct a Proper Investigation I submitted a dispute to XXXX regarding an inaccurate account on my credit report. 
XXXX illegally refused to investigate my dispute unless I provided a police report, which is not required under the FCRA for a standard dispute. 
Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable investigation within 30 days and provide a method of verification ( MOV ) upon request. They failed to do so. 
Failure to Verify Disputed Information XXXX did not provide me with any legally binding proof that I am responsible for the disputed account. 
They refused to produce any signed contract or original documentation, violating FCRA 611 ( a ) ( 5 ) ( A ), which requires them to delete information if it can not be verified.

Misleading and Harmful Credit Reporting I continue to receive electronic messages stating that a closed and charged-off credit card is over its maximum limit. 
This misleading alert, sent to XXXX XXXX XXXX, American Express My Credit Card, and XXXX XXXX XXXX, falsely inflates my credit utilization, which damages my XXXX Score. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), XXXX must ensure maximum possible accuracy in reporting, yet they continue to report misleading information. 
Unfair Stall Tactics I live outside the U.S., making it difficult to file a police report, which XXXX knows. 
XXXX is using this as a deliberate stall tactic to avoid correcting the errors in my credit report, violating my rights under the FCRA.
Product: Credit card or prepaid card

Hello : We first encountered clients XXXX XXXX and her paramour XXXX XXXX on or about XX/XX/2020 where we spent enormous amounts of free telephone consultation time answering their immigration legal questions, strategizing their possible immigration investor visa/intercompany transfer/out of status questions all for free, after which we all mutually scheduled an in-office consultation at our law office address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NY XXXX on XX/XX/2020 wherein all 3 of us ( XXXX XXXX, myself, XXXX XXXX ) spent what seemed like hours doing another in-depth deeper immigration law consultation where I answered all of their rapid fire questions, queries, hypothethicals, and offered solid legal advice, legal options such as investor visas, intercompany transfer visas, answered their out of status legal issues for XXXX XXXX as well as her extended family, how possibly foreigner XXXX XXXX could invest cash money into US Citizen XXXX XXXX real estate business, and countless other issues. Based on our successful ( and paid {$300.00} ) consultation, these 2 decided to retain our law office to do an XXXX XXXX XXXX Intercompany Transfer Application with 2 week Premium Processing XXXX Approval for {$10000.00} retainer fee ( attached signed executed retainer agreement contract ) wherein they paid to start {$5000.00} ( XXXX XXXX even signed the credit card receipt ( attached ) with our law firm trusting them to pay the other remaining {$5000.00} half at a later date presumably when it was time to file ( although it is all due up front ). We duly and diligently and honestly began to work on their immigration law matters starting that day, up until on or about XX/XX/2020, constantly answering their long-winded questions in writing and otherwise, day and night, including upon information and belief late nights and weekends ( see attached detailed itemized billing invoice ). However these 2 decided that they did not wish to pay us the remaining {$5000.00} due and owing on the signed retainer agreement contract even though we sent them all of our intellectual property, trade secrets, put tons of work and time into the matter, and they benefitted enormously from our genius, experience and hardwork. They ungratefully began to demand the first {$5000.00} portion back in a refund, even though we fully earned this portion of their fee, and in fact, they owe us more than {$21000.00} in overall legal fees as per our billing invoice, which, if we are pushed, we will gladly collect. When they started to harass us, threaten us, extort and blackmail us and our staff, even when we were kind and reasonable with them, we ceased to communicate with them any further, and terminated legal services. Please reverse this fraudulent and frivolous charge back in our favor based on the above and attached documentation, and permanently ban them from being able to use that credit card anymore, as they clearly are immature and are abusing it and not honoring their commitments to their credit card. 

Kind regards, XXXX