23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint today against Synchrony Bank for their extremely unfair and misleading business practices and abysmal service that they provide their customers. I am pretty sure they are not even a real bank and are just scammers collecting peoples data to ruin their credit scores to fulfill some sort of ill minded, ego boosting agenda that does not make any sense whatsoever. I am aware that I am far from the only person that Synchrony has taken adverse action against, and I am simply curious as to what I have done so horribly that this bank decides to make an attempt to ruin my life. I opened this account XXXX XXXX XXXX and was given a limit of {$8500.00} and I had never missed a payment and kept my utilization relatively low. My account was always current and in good standing. I am unsure what I did wrong that Synchrony decided to, firstly, lower my limit to {$330.00} and SIGNIFICANTLY decrease my credit score, they later closed it. All I ever did to this bank was be a reliable customer, and clearly it was a horrendous decision. Since this financial institution is a scam, I suggest a complete and total investigation be done against Synchrony and shut down this horrendous company for good. Synchrony believes that because they are childish and petty that it is okay to ruin a person 's credit and attempt to make their life significantly harder. I am unsure why doing business as agreed with this company made them decide to create unnecessary barriers from allowing me to obtain future credit, purchase a home, car, etc. I paid this account as agreed from the beginning and there is no winning with Synchrony. They are a scam who will damage any and all applicants credit score regardless of their payment history and relationship with them. Furthermore, which further proves my point that this company is a scam, they are continuing to send me emails encouraging me to apply for their other products and saying that I am pre approved. It is mystifying that a bank who has done me so horrifically wrong and is making me out to be a terrible person is trying to convince me to further do business with them. No person should fall victim to this scam again. Synchrony can either reinstate my account that had always been paid as agreed, or they can cease and desist all marketing contact with me immediately since it is out of the question that I will ever do business with them again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or authorize.
Product: Mortgage

on XXXX XXXX, XXXX, I was approached by my cousin, she told me that she needed me to help her, she said she needed me to go on title for six months, after she pay the mortgage on time for six months, my name would drop off title, we had to prove that we were related, and they did what they called a quick claim, after that they started the same process that they had did with me the night before, and I asked her if this is the same thing that we did the night before, because I do not want to by your house, I just bought my house last night, she took out {$8000.00} that night, had 90 days to pay the first mortgage, was late, they were late for 47 months, did pay for 24 months and paid on 3 months because her God father pay it with his credit card, she use my name ssn # birthdate address to setup an account with the mortgage company, I could not go online to check the accounts, both my mortgage and hers were held by the same mortgage company, she called the mortgage company and had the mortgage statement sent to her house, I had to go there to get my statement, XXXX XXXX, XXXX I XXXX, had a total of XXXX XXXX, spent many months in the hospital and XXXX, while I recovering, she was in constant contact with the mortgage company, keeping them for foreclosing on the house, all the this time they were using my ssn #. All this time I am thinking everything is getting paid, because I was not receiving calls from the mortgage company, that is because she had rerouted all communication to her phone and house, XX/XX/XXXX, I was served a judgement through my nephew at my Mother 's house for {$350000.00}, that is when I first discovered that was trouble, I later found out that the judgement was served at her house, she never informed me, by the time I was served, they had already defaulted on the judgement, so I started looking into what was happening, she had done so much damage, that it was hard for me to deal with the mortgage company. I found out that she did a quick claim and sold it to me the same night, so I had to evict her, because she would not leave, made spend money on attorney, sheriff, and court cost, I ask to do a deed in lieu of forecloser, they agreed, and when they called to inspect the house she denied them access to the house, so the mortgage pulled plug on that. I was given a relationship manager, she gave me a lot of information, mainly after, I was released from deed in lieu, and why, I found out that there was a lean on the property, that was placed on the property XX/XX/XXXX, so they could not take the property back because of that, that is why she did the quick claim, to hide the lean, so she can sale me the property, I hire XXXX Attorneys, XXXX took my money, and did nothing, would not answer or return my 74 calls, and the other XXXX has not done anything. I am XXXX XXXX, I have gone to the police department, to press charges for identity theft, but her mother is the XXXX, and they called a civil case and would not investigate, I also went to the Postal Inspector, for mail theft, and changing address on my mail, still waiting to hear from them
Product: Checking or savings account

Well I was charged overdraft fee for something that wasn't possible I have receipt my balance was XXXX I withdrew XXXX ; plus surcharge then I turned around and withdrew XXXX plus surcharge I was told that I overdraft XXXX dollar which was impossible from my balance and the bank don't want to give me my money they also charged me XXXX over draft fees which is impossible I have proof
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns regarding discrepancies I have discovered in my credit report. Upon review, I found several inaccuracies, such as incorrect account entries, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I require your prompt assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 originally had a loan with credit central that was paid off and the employees were reopening the customers accounts like they were refinancing them without customers consent and taking the funds
Product: Debt collection

I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit card or prepaid card

I applied for a promotional offer of XXXX AAdvantage  points after {$4000.00} in credit card spend. Citi is denying my bonus miles, saying that I have earned a similar promotion in the past 24 months making me ineligible. However, the last time I received a CitiBusiness AA bonus was in XXXX of 2019. I confirmed this with XXXX XXXX today.
Product: Debt collection

I have no agreement nor account with XXXX XXXX. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.
Product: Debt collection

I received a collection notice for {$200.00} for a debt that is not mine, from a company I have never had contact with. I did contact XXXX XXXX and created a case disputing the fee. I have had my current energy company for over 14 years and prior to today have never heard of XXXX XXXX. I believe the letter from CMI Services LP /Credit Management LP is fraudulent and are attempting to extort money by falsely claiming we have a debt.

I am filing a complaint against CMI Services LP /Credit Management LP for the above stated reasons.
Product: Money transfer, virtual currency, or money service

My puppy chewed a XXXX dollar bill, and tore it into pieces. I went to Truist bank, where I bank, and asked them to change the bill for one that was not damaged. When they refused I asked to speak with the bank manager, XXXX XXXX. He was not there, and wouldnt be in until after XXXX. I was told that if there was not sixty percent of the bill that they would not be able to exchange it. But the bill was almost entirely present. And both lines of the serial number was able to be read. I asked when the manager would be in and the teller was extremely rude, saying that he would be there after XXXX, but that he would tell me the same thing. When I returned he did in fact say that there was nothing they could do. Even though the treasury states that they only need fifty percent of the bill, and I had well over eighty percent of the bill. They then preceded to insinuate that I was attempting to pass of a counterfeit bill. I left and went next door to XXXX XXXX and they exchanged it with no problem. The tellers, and the manager were both extremely rude. And they also went out of their way to make me feel as if I had done something wrong, when in fact it was them who were not following the federal guidelines.
Product: Debt collection

A letter was generated to my employer from Stephen Einstein and Associates on XX/XX/XXXX. The letter was regarding a debt from XXXX, where a judgement was made in XXXX 's favor as of XX/XX/XXXX. However, the debt that this " collection agency '' is attempting to collect has exceeded the 6 year statute of limitations in which you can legally collect on a debt. The letter my employer received stated that it was a subpoena, however this document was not signed by a County Clerk, nor was it delivered by a Law or Court enforcement employee, it was not sent certified mail either. The Einstein agency is attempting to collect on a total of almost $ 20K in manner that is not lawful. The letter advises you to visit their website for further assistance, yet their website www.stepheneinstein.com is n't available ... while I 'm aware that Sunday is n't a legal day to collect on a debt, the fact that their website is n't available makes this matter that much more questionable.
It 's my understanding that this Stephen Einstein and Associates took over a defunct XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which had a class action lawsuit against them for illegal collection practices ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my data. This I have to go to extensive measures to ensure my identity is not stolen.
Product: Credit reporting or other personal consumer reports

Where is my missing FHA mortgage payment history for XXXX XXXX XXXX and XXXX. I paid thousands of dollars of on-time FHA mortgage payments for those years, and my money ( XXXX XXXX XXXX XXXX XXXX ) IS NOT recorded. The history of thousands of dollars is missing. Where is my money? I paid my FHA mortgage on time for years with no missed payments. I expect for all of my thousands of dollars of payments to be recorded on time accurately. This is my Equifax credit report which takes my monthly payments and calculates it into my credit score. Stop illegally cheating me out of my excellent mortgage payment history on my credit reports and credit scores. This is the last time that I will ask. I can only take this higher. 
This is my right under the federal legislation, The FAIR CREDIT REPORTING ACT, 15 U.S.C. s. 1681 et seq.. This is also my right as an on-time mortgage, paying homeowner.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit Burueas that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. This account XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 

Victim of identity theft, XXXX XXXX XXXX all credit inquiries and XXXX XXXX during XXXX XXXXXXXX XXXX  to be Deleted From Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in XX/XX/2017and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : 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

FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) FCRA XXXX ( XXXX XXXX CODE XXXX ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION XXXX ( a ), SECTION XXXX ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( XXXX  ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX  ( XXXX ), XXXX  ( XXXX ) XXXX SYSTEMS XXXX ( XXXX XXXX XXXX XXXX SYSTEMS ( 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, credit repair services, or other personal consumer reports

The debt on this credit card was dishharged and eliminated from collections but it still appears in the credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have reached out to Experian and they have failed to properly investigate my disputes. Every letter I have mailed off has come back VERIFIED AS ACCURATE I have mailed countless letters to the addresses depicted on each bureaus website to dispute following recorded inquiries that I DID NOT EVER AUTHORIZE. I have asked for documents bearing my signature and application and I began mailing letters directly to the bureaus dating back back to XX/XX/year>. I already tried contacting each individual company who said they do not have my information and I need to contact the bureaus. There was no permissible purpose for the pulling of my report. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX inaccurate address reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
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 violates consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the electronic fraud 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

THIS IS NOT MY DEBT THIS DEBT DO NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 All fraudulent due to Identy theft
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several errors regarding billing. The late payments reported are inconsistent with my usual record. I kindly request that these discrepancies be corrected and my account updated.