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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding the violation of the Gramm-Leach-Bliley Act ( XXXX  ) in relation to my credit report. I believe that these credit reporting agencies have failed to comply with the provisions outlined in the XXXX, specifically with regard to the protection of my non-public personal information. I have recently reviewed my credit report and identified several accounts and inquiries that are still being reported even against my consent and that I believe violate the GLBA. The accounts in question are as follows : XXXX. XXXX Formerly XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( authorized user ) XXXX. XXXX XXXX  ( authorized user ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX  ( closed ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX ( closed ) Additionally, the inquiries on my credit report that require immediate attention are from XXXX XXXX  and XXXX XXXX there are no accounts associated with these inquiries. I hereby request that the aforementioned accounts and inquiries be promptly and permanently removed from my credit report in accordance with the XXXX. These inaccuracies not only tarnish my credit history but also compromise the privacy and security of my personal information and I have made it clear that they have been reported against my consent numerous times. Furthermore, I request that XXXX, Experian, and XXXX cease the disclosure of my non-public personal information to any third parties without my explicit consent. I expect these credit reporting agencies to comply with the XXXX and protect my privacy rights as mandated by law. I kindly request that you investigate this matter thoroughly and take appropriate action against the credit reporting agencies involved. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I have filed a complaint with the FTC. Wells Fargo has been unresponsive to correct my credit report. On the evening of XX/XX/XXXX, a thief used my Wells Fargo credit card to make two online purchases with XXXX and XXXX. He then turned off my credit card and verbally changed my mailing address to an address in XXXX, CA by calling into Wells Fargo, providing my authentication information associated with this card. The morning of XX/XX/XXXX, I called Wells Fargo card fraud department, reported the unauthorized charges, filed a fraud complaint, canceled my credit card and ordered a new credit card. On XX/XX/XXXX, the thief applied for a new credit card with XXXX XXXXXXXX XXXX  using my social security number and other personal information. XX/XX/XXXX I was alerted by an email from XXXX on this new card application. It also appeared on my credit report. XX/XX/XXXX I filed a police report, case # XXXX, with local XXXX police department XXXX Also, I placed a Security Freeze and Fraud Alert with all three Credit Bureaus, and disputed the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA address on my credit report and new credit inquiry. XXXX told me that in order to remove the address from my credit report, that information had to be removed and reported by Wells Fargo. Although, they marked it as fraud, they could not remove it from my credit report. XXXX I spoke to 2 different agents at Wells Fargo requesting the address be removed from my account. They stated they couldn't update my address to my current, correct address nor remove the fraudulent address on my account. They said they would send on my request to someone who could. Also on XXXX I called XXXX XXXX and placed a fraud alert on the new inquiry and request for an XXXX credit card. They denied the new credit card application, flagged the request as fraud, and sent a letter to the credit bureaus. The same day, I received a call from Wells Fargo Assault Dept. They said they updated my account with my current, correct mailing address, but couldn't remove the fraudulent address. I also opened a fraud case, case # XXXX, with the Federal Trade Commission. XX/XX/XXXX my XXXX account was hacked. My friend reported the new friend request as a fraud and I changed my password. XX/XX/XXXX I filed a fraud report with Social Security. XX/XX/XXXX I noticed the fraudulent address is still on my credit report. I called Wells Fargo card fraud department. They said in order to remove the address, I need to fax a letter with the following information to XXXX but could not confirm it was a secure fax # and suggested I go to a local Wells Fargo branch and use their fax machine. They requested, my name, current address, contact phone #, credit card #, SS #, date of birth, copy of credit report, along with a clear and concise statement of what is being disputed. I told them I was not comfortable faxing this information as it was not secured receipt. They did provide a fraud case # XXXX.
Product: Debt collection

Federal law bars XXXX providers and suppliers from billing an individual enrolled in the XXXX program for XXXX Part A and Part B cost-sharing under any circumstances. Consignment violation reported to XXXX XX/XX/XXXX. And is in escalation. This action has negatively effected my credit and I am demanding that it be removed immediately from all major credit reports or I may be forced to exercise my right to persu civil action. Debt from XX/XX/XXXX. XXXX XXXX XXXX XXXX and in collections handled by commonwealth financial XXXX XXXX XXXX XXXX XXXX pa
Product: Checking or savings account

This is an ongoing problem at the local Keybank with racism. I brought the issue with the Executive office a year or so ago. Things got better for a while with changes in management but now they brought another branch manager whos not subtle about her racism. Her name is XXXX XXXX. My understanding is that the provision of the current federal civil rights act applies only to housing and not specified to other banking areas like checking. However, the Idaho human rights act still applies. Anyways, the persistent issues relates to staff like the branch manager asking me for my license when I have been coming to this same branch for a long time now. 

Today, I came into withdraw money but XXXX  XXXX XXXX  attended me. I ask her for a withdrawal slip to write my account number and sign it. She stated that I had to provide a license or use my debit card because I dont know you and the people that know you are not here. I told her that the account and signature are on the slip. She refused to serve me unless license was shown so I told her that I had ro grab it from my car. 

Thereafter, she proceeded to act like an XXXX XXXX XXXX by refusing to provide the ticket with the full balance and rub it more on my face by patronizing me telling me not to lose my license. 
There are so many issues at this branch : 1 ) why is racial bias a persistent problem? Regardless, of whos in management. 2 ) why is service so inconsistent with some staff accepting me writing the account number on the back of checks or withdrawals slips? 3 ) is it safer to do transactions by use of debit cards ( that could be stolen ) or by using slips with handwritten account and signature that reflects more correctly the customers signature than some stupid scribble on a pad? 4 ) where can customers find the banks policies regarding deposit and withdrawal? None is provided at account opening.
Product: Credit reporting or other personal consumer reports

The accounts in my attached documents are not mines. I have not open any of these accounts
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint regarding Capital One Banks failure to properly handle my dispute in accordance with consumer protection standards. This matter is particularly troubling as I have exhausted all avenues provided by the bank, yet the issue remains unresolved. 

On XXXX/XXXX/2024 I initiated a dispute regarding a transaction from XXXX/XXXX/2024 for {$100.00} I provided all required documentation, including emails, or other relevant proofs and followed all instructions as outlined in Capital Ones dispute resolution process.

However, the merchant failed to provide me with a receipt or proof of purchase, despite multiple requests. This lack of documentation has created significant challenges in resolving my dispute. 

Without a receipt, my ability to validate my claim with XXXX XXXX has been unfairly limited, even though I acted in good faith.The merchants negligence in providing a receipt has denied me access to my rights as a consumer to document and dispute charges. I have spent considerable time and effort trying to resolve this issue, leading to frustration and unnecessary stress. 

The burden of proof has been placed entirely on me, despite the merchants failure to fulfill their obligation of providing a receipt. Capital One has disregarded the circumstances and denied my claim without investigating the merchants accountability. I followed the dispute process and provided all other relevant information ( e.g., order confirmation, emails, screenshots, yet my claim was denied due to circumstances beyond my control.

However, despite my compliance, the dispute was mishandled in the following ways : 1. Failure to Conduct a Proper Investigation : Capital One did not adequately review the evidence I provided, resulting in a denial of my claim without reasonable explanation.

2. Unreasonable Delays : The dispute process has exceeded the timeframe stipulated under federal regulations, with minimal communication or updates from the bank.

3. Failure to Comply with Consumer Protection Laws : It appears Capital One did not adhere to its obligations under the Fair Credit Billing Act ( FCBA ) or other relevant consumer protection laws to ensure a fair and timely resolution.
Product: Debt collection

There is a medical debt collector that is reporting from Synerprise Consulting/SCS, on a closed collection account. This company is apparently trying to collect an unknown and unverified medical bill that they are reporting on my credit profile without proper and legal verification that this is indeed my debt. 

I am concerned because I was married and had a few of my ex-husbands bills sent to me inaccurately after he refused to pay them. Since this is a medical related bill, I have requested to see documentation of the HIPPA release and medical services and dates rendered to simply verify that this account is valid. This company has failed numerous times to present this information. In fact, the matter was recently investigated by XXXX and the collection item listed from this company was immediately deleted as of XX/XX/2020. 

Synerprise Consulting/SCS has failed to reach out to me in writing as requested and they continue to report this erroneous information to damage my credit profile. Their accounting and medical collections practices should be investigated further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX  I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Product: Credit card or prepaid card

I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised
Product: Debt collection

According to the Fair Credit Report Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as 180 days late.
Product: Vehicle loan or lease

In early XXXX, while initiating a vehicle purchase, a local XXXX dealer told me he was going to run my credit with his bank. Without my consent, he sent my application to several banks ( all creating hard pulls on my credit report ), one of which was Community Bank N.A. I received an adverse action letter from the bank, dated XX/XX/2024. I mailed them a Right of Reconsideration letter which they received on XX/XX/2024. I gave them 5 business days to either approve my application or I rescind my application and require proof of retraction. It has been 10 business days and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Sequium Assets has charge me for an account that i am paying on and has not paid out yet but i am still paying on it as we speaks
Product: Debt collection

Greetings! 

I spoke to an agent about debt collection issue from XXXX XXXXXXXX XXXX. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on Victoria secret for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to XXXX XXXX XXXX to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
Product: Student loan

ACS I believe they are a total fraudulent scam of loan service providers if they truly are. They are supposedly servicing my loan from XXXX in XXXX, MA. I have had a few dealings with them since XXXX. They always tell me my address and/or phone number is incorrect. That they have corresponding with me consistently over the course of time by postal mail and e-mail. They also have my mother 's contact information This is not true. I have n't received anything from them except right after I left school and once about a year ago. Since then neither of us has received anything. I instantly received something about a year ago that I was going to have a payment due. I supposedly got a deferment from them from XXXX XXXX to XXXX XXXX. I have called them numerous times over this years time for documentation of some kind and information over the phone but I 'm always given the run around because I always speak to a different person who has no idea what they are doing or anything about my loan except an overdue balance with interest and late fees attached. They informed me over and over again that it is my responsibility that I owe it whether I received any correspondence or documentation from them at all. All of a sudden I get correspondence from them twice after contacting them these last few months and weeks. I have ask numerous times for paperwork to allow my mom to speak on my behalf and they said they have sent it but I 've never received anything. My interest rate is an astonishing 10 % interest rate and I have been told they can do nothing to accommodate me with my loan. I just need to pay the amount due. My recent correspondence states that I am over due by almost 2 months. The next one I received says I 'm only over due a few days. I have been told that I can not consolidate or transfer to a different company. The last two weeks they have called my personal phone numerous times a day 7 days a week while I 'm working. Numerous times I asked for paperwork to defer my loan again to no avail. I believe this company needs to be fully investigated for fraud and scamming individuals financially. The people are very rude and unhelpful. I believe they have purposely misled me and have hung up on me numerous times when I have called asking questions concerning my account and they ca n't answer the questions I ask except with a scripted answer for everything with no concrete answer. Supposedly from what I have read online sometime in XXXX school loans were transferred from this supposed XXXX loan servicer if they are one to other companies so why do I still have them as a true servicer of my loan. Numerous people have submitted complaints about these people and I believe that they should be held accountable to all the financial practice laws. I have recently filed a identity theft report with the Federal Trade Commission about this company. This company has many many different phone numbers and addresses with which to contact them.