23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX I contacted you guys before about a XXXX credit card that I used to have I purchased some stuff and i didnt receive anything and XXXX  lied and said that they delivered the items to me when I wasnt home and the date that they told me i would receive the package they deliver the I teams 2 days earlier while I was out of state and when i contacted XXXX for them to do an investigation they did nothing but pick side with fedex against me and didnt even ask them to prove that the items was delivered to me because i didnt sign for anything and they say I did which is not true and now theyre trying to let me pay thousands of dollars for stuff i didnt get Im just asking you guys to not let them get me please theyre unfair and they should have done a proper investigation and they didnt to prove my innocence please didnt let them treat me unfair or take advantage of me
Product: Credit reporting, credit repair services, or other personal consumer reports

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. 

Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower. This is enabling identity fraud and extortion at its finest. Why would you just allow any collection company adding to my credit report without my permission? I NEVER gave permission nor was advised on ANY of these accounts reporting. Pursuing legal assistance due to distress with investigating and the whole situation in general. Multiple violations. Im seeking compensation.
Product: Credit reporting or other personal consumer reports

In XXXX  of XXXX, I had XXXX credit cards from XXXX XXXX After XXXX payments, I missed XXXX payments and they called to ask me about them. The man was very rude and pushy, so I told him how I felt about getting called XXXX times a day. He said something to the effect of " XXXX XXXX XXXX XXXX XXXXXXXX '' and hung up. After that, my XXXX XXXX dropped from XXXX to XXXX. XXXX. And I was listed by Experian as deceased. Since then, I have been unable to get any additional cards, or loans, or even utilities in my home. I've lived for XXXX years now off batteries and in the cold. It has costed me XXXX XXXX XXXX XXXX XXXX. I have disputed this numerous times and they just confirm that I am dead every time. I've called. I've begged. I've talked with the lender. Everybody just sends me to someone else to fix it. Meanwhile my home is still dark and so, so cold. It's been XXXX  multiple times because it appears abandoned and my security system requires an electrical connection to work. I was XXXX XXXX XXXX in my own living room a month ago, as I walked in in the dark. At what point do they have to correct this? XXXX bitter lender shouldnt be able to just destroy my life like they have, and yet he did, and nobody will do anything to help me. I don't know who else to talk to or what to do, but I am desperate. Tonight it will be XXXX degrees, and I have no heat or even flashlights with batteries because try getting a loan or credit card or passing a job background check when everybody first goes to Experian and they say I have XXXX credit history and am dead. 25 years of building my credit just thrown away on the whim of some XXXX across the world that I couldn't even understand as he harassed me over {$35.00} a dozen times a day. This cant be legal, and sure the XXXX isn't right. Please help me!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My wallet was stolen and inside my wallet was some cash, various credit and debit cards, my driver 's license and social security card. Soon after the theft I noticed that some accounts had been opened in my name without my knowledge or approval and some of my existing accounts had been accessed by this third party. I filed a police report with the XXXXXXXX XXXX, that report number is XXXX. Two accounts at Capital One were opened as a result of this theft. XXXX account ending in XXXX and the other ending in XXXX. I've attached a copy of the police report and FTC report to this complaint.
Product: Checking or savings account

My wallet was stolen and every other card reimbursed me after I was robbed. I filed a police report and had to get new IDS. Chase bank gave me my money back temporarily but are now reversing it in the name of an investigation they claim to have completed that they are claiming they may send me information about in ten business days but still taking the money out of my account. They won't reimburse me for the money stolen.
Product: Checking or savings account

At the beginning of XXXX, 2021 I was alerted by XXXX that my account with Chase was frozen due to fraudulent activity. Had XXXX not notified me, I wouldn't have known, tried to use my debit card, been declined XXXX embarrassed ), etc. When I called the number provided by Chase, they wanted my debit card or account number over the phone. Seeing that I had already filed an id theft report, I was not willing to do so. I went to the local branch to find out what the problem was. XXXX, the Customer Service XXXX, got on the phone with the fraud department & all they told him was that Chase wanted to sever ties with me, due to fraudulent activity. No reason why, just be close my account ( s )! Chase has made me feel like a criminal, when I have done nothing wrong! I'm still waiting on a letter ( was told 7-10 business days XXXX explaining what was fraudulent! I am appalled at the way Chase handled this matter!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting
agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed Experian is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 

XXXX XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 turned my bill over to convergent outsourcing after I sent 13 emails and spoke to numerous people. Convergent has reported this six times to the credit bureau. Some were two to three days apart. They call prior to XXXX. They never sent me any notice. I am working with XXXX  to resolve this issue. XXXX has one total and the collection agency has another.
Product: Credit card or prepaid card

I had a reservation to stay at XXXX XXXX  XXXX, NC XX/XX/XXXX - XX/XX/XXXX. I checked in on the evening of XX/XX/XXXX with my dog. There was XXXX XXXX  in the parking lot and large groups of people loitering. I felt unsafe taking my dog for a walk being that I am a single woman. I went to the front desk to tell them. The man working there said " I am not the police, I can't control what people do in the parking lot, my job is to sell rooms. '' I told him I felt unsafe and needed to check out. He said I could have a refund for the remaining days ( even though I didn't even stay one entire night. ) He took my number down for the owner and said that it would not be a problem. I was never provided with a checkout receipt again, the front desk said a refund would not be a problem. I checked out around XXXX. The service I was promised, a safe place to sleep, was not provided by the merchant. My refund never arrived on my statement and I could not get ahold of the owner, so I filed a dispute for the refund amount, {$180.00}. It was temporarily credited to me, but then was re-billed on XX/XX/XXXX. I received no message in my account or letter in the mail notifying me of why my dispute was denied. I called customer service on XX/XX/XXXX and they stated that a letter would be mailed with an explanation, but it never was. They said that the merchant said I stayed at the hotel all three nights, but that is a fabrication. I faxed a letter to appeal their decision on XX/XX/XXXX. It went through successfully, but it has been ignored. The {$180.00} needs to be credited to my account.
Product: Checking or savings account

I have had a account with Huntington for many years. Due to the pandemic, I have been without a job since XXXX, XXXX. I've always enjoyed using Huntington and have found their customer service to be top notch. This year has proven to be different. On XX/XX/XXXX I got an alert that my bank had a withdrawl of {$1100.00}, I immediately called Huntington and they had no idea what I was referring to. It wasn't for a week later I was finally able to get to a higher up in customer service who would tell me it was for a garnishment, which I wasn't aware I had a garnishment. I contacted the court, told them I did not receive any sort of garnishment paperwork, they referred me back to my bank. I'm on unemployment, the funds in my account are unemployment funds which are protected which the court agreed to as well as the representative at the XXXX XXXX, MI location. I was promised Huntington would get back to me and I have yet to recieve a resolution. As of today due to this issue I am out {$1500.00} with no regard to getting it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion and XXXX credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact Transunion and XXXX to please remove these inquiries but in the end it turn to no avail.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Connecticut Laws Dear THD/CBNA, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws. 

It has unequivocally come to my attention that THD/CBNA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. 

I assert with unwavering certainty that I have not provided consent for THD/CBNA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that THD/CBNA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that THD/CBNA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan

they said the apply for some loan i never thet plus thto te dont want to tell me were the loan was taking
Product: Debt collection

I am writing to address an ongoing and unresolved issue involving both XXXX XXXX and Aldous and Associates. I am extremely dissatisfied with the business practices of both companies and the handling of my account, and I am requesting immediate resolution. 

I initially signed a contract with XXXX XXXX on XX/XX/year>, for a $ XXXX membership. Before the expiration of the 30-day trial period, I canceled my membership through the app, in compliance with the cancellation policy. However, despite my cancellation, XXXX XXXX continued to attempt to charge me for month-to-month service, which was in direct violation of the terms of my original contract. 

The original agreement should clearly show a {$39.00} monthly fee, a {$49.00} annual fee, a {$100.00} return fee, and a {$25.00} early cancellation fee, which should total {$210.00}. However, I have been continually charged for erroneous amounts far above this. 

To date, the amount that Aldous and Associates is trying to collect from me is both inflated and inaccurate. The charges in question include : - {$24.00} for a XXXX XXXX XXXX  membership, which was never part of my original agreement. 
- {$60.00} for a Team Training Bundle, for which I never signed any documentation. 
- {$74.00} for what I believe is an unauthorized month-to-month fee. 
- {$100.00} in collection fees, despite Aldous and Associates purchasing my debt for a fraction of the amount owed. 

I have made repeated attempts to resolve this matter, requesting that both XXXX XXXX and Aldous and Associates provide the original signed contract to verify the correct charges. Unfortunately, both parties have refused to provide an original copy of the contract, instead sending an itemized document that is not an original and fails to address the discrepancies in the charges. 

I am fully aware that both XXXX XXXX and Aldous and Associates are engaging in unethical business practices, and I am requesting that an original contract be provided to clear up these errors. Without the original contract, I refuse to make any further payments towards the incorrect and inflated amount that is being sought. 

Furthermore, both companies have engaged in rude and threatening behavior toward me during my attempts to resolve this matter. I have documented and recorded these interactions on my mobile device, as the representatives from both XXXX XXXX and Aldous and Associates were unprofessional and aggressive. 

I am requesting the following actions to rectify this issue : Provide an original signed contract for my membership with XXXX XXXX. 
Remove any unauthorized and incorrect charges, including the {$24.00} Get Started Now fee, {$60.00} XXXX XXXX XXXX, and {$74.00} month-to-month fee. 
Remove the {$100.00} collection fee from the account, as it is unreasonable and unjustifiable. 
Cease all collection efforts until this matter is resolved. 

I also strongly urge an investigation into the business practices of both XXXX XXXX and Aldous and Associates, as it is evident that I am not the only individual being subjected to these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is aimed at the credit reporting agency, Equifax, for failing to adequately secure my private and personal credit and financial information. 

Using their website designed to check for the notorious data breach I came to learn my information was compromised. This is the website they told us to use : https : //www.equifaxsecurity2017.com This is inexcusable in a world where credit rules and technology is king. Thus, I am submitting a complaint against Equifax for failing to properly secure my personal credit and identity information and exposing my identity and financial data to unknown sources, along with that of 143 million other individuals. 

Thank you.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFO HAS BEEN EXPOSED IN A DATA BREACH
Product: Credit card

Synchrony committed fraud in the original complaint Case # XXXX that was deceptively closed and never resolved because... 
1. I received NO REFUND despite the listed monetary award of {$1200.00} on XX/XX/XXXX. Synchrony closed this dispute by using unrelated purchases from XX/XX/XXXX and XX/XX/XXXX which were for lamp fixtures that I returned and had absolutely nothing to do with the XX/XX/XXXX storm door purchase. Synchrony awarded monetary damages for unrelated purchases that were returned. They committed another fraud XXXX. The XX/XX/XXXX Synchrony letter never addressed my original complaint of the fraudulent charges that were put onto my credit card. These unauthorized charges appeared on my XX/XX/XXXX statement. These charges were put onto my credit card without my authorization, knowledge, approval, my actual credit card or my presence. This is credit card fraud that was done by someone from the XXXX XXXX store and this needs to be legally addressed. 
3. Synchronys letter states that the dispute was resolved in my favor. This is incorrect since I received NO Refund from my XX/XX/XXXX storm door purchase of {$1200.00} ; they deceptively used unrelated purchases and returns to answer the complaint ; and they did not address the unauthorized credit card transactions on my XX/XX/XXXX statement. 
XXXX. The storm door purchase totaled {$1200.00} which should be the amount refunded to my Synchrony Lowes credit card immediately. All the supporting documentation was provided in my original complaint # XXXX. 
There is no excuse how Synchrony deceptively mishandled this complaint that was first filed on XX/XX/XXXX and 2 months later is still ongoing and unresolved. Synchrony has been dishonest and duplicitous in their communications with CFPB and with me.

See attached file for supporting documentation.