23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/18 my BBVA Compass Checking account number XXXX was robbed in a identity theft embezzlement. The suspects that robbed my account have robbed me over 200 times. Before I opened a account with BBVA Compass I presented them with documentation to prevent this type of bank robbery from happening, they reassured me that my account would be monitored and this could never happen. 

On XX/XX/18 is was robbed in the amount of {$6600.00}. I need my hard earned money back, they failed to protect my account, they failed to protect me as a consumer, they failed to protect me as a customer of their bank. 

Please get my money back from these criminals sending phony levies, and garnishment suspects in my identity theft case that are XXXX XXXX District Attorny Deputies that are on the wrong side of the law. Stealing money from consumer in a official manner bulling banks and employers to steal money from consumers. This ring of local government criminals are well connected with the DMV employees that assist with personal information. 

Attached you will find my Federal Trade Commissioner Identity Theft Report they asked these criminals to remove this from their records more than once and made the XXXX XXXX District Attorey a suspect.
Product: Credit card or prepaid card

I have several credit card accounts with Synchrony Bank. A TJMaxx, Lowe 's and a GAP card. I was notified by my credit monitoring company that my credit limit on my TJMaxx card was being lowered from {$3000.00} to just over {$1000.00}. No notification was received from Synchrony Bank to justify such action. I have not used the card in over a year due to the pandemic. My payments have always been paid on time and in full each statement cycle. After the notification, I closed my TJMaxx account and plan on closing my other accounts with Synchrony Bank. I do not understand why they choose to penalize someone who is in an age group of high risk and had to stay home most of the past year to avoid possible exposure to COVID-19 by lowering their credit limit which in turn impacted by lowering their credit score. The credit monitoring company also indicated that most accounts which have their limit lowered were a result of mismanagement due to late payments. The company who lowers the credit limits should have to notify the account holder prior to the action and report to the credit reporting agency the reason for the credit limit being lowered so the customer 's credit score is not impacted.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Regarding Communication To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that your company cease and desist from all forms of communication with me regarding the alleged debt associated with account number [ Insert Account Number ] effective immediately.

This cease and desist request applies to, but is not limited to : 1. Written communication to my address or any other address.

2. Verbal communication by phone or in person.

3. Digital communication, including emails, texts, or other electronic means.

4. Reporting or updating information related to this alleged debt with credit reporting agencies, as such action constitutes a form of communication under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which held that reporting debts to credit bureaus is an attempt to induce payment and is therefore a communication under the FDCPA. 



Failure to comply with this request will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential civil litigation for violations of the FDCPA. Please note that my request does not absolve you of your obligation to provide written confirmation of the cessation of collection activity or your legal right to seek a remedy through appropriate legal channels, if applicable. 



You are also reminded that under 15 U.S.C. 1692e ( 8 ), continuing to report inaccurate or unverified information to credit reporting agencies violates the FDCPA, and I will not hesitate to seek statutory damages if this occurs. 



Thank you for your prompt attention to this matter. Please confirm in writing that all communication efforts related to this alleged debt have been terminated. 



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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report recently dropped 100 points. This was due to a supposed missed payment on a credit card. I wrote to the 3 reporting companies and told them I do not have a JPMCB credit card. XXXX told me I needed to correct the issue with Chase Bank. 

You will notice that I had a previous complaint with Chase for issueing a card I did not ask for. Evidently, Chase issued the card to someone else and they have rung up charges and made small payment, then stopped making payments. It has been impossible to get a person on the line at Chase to discuss this. They keep asking for the account number, which I don't have as I never has the account. 

I never had this Chase card. 

I was in the process of buying a house, and now my credit score is trashed. 

Credit rating companies should not be able to just pass this off that it is not their fault that the information is incorrect. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX for the amount of {$1300.00}, and XXXX XXXX-XXXX   XXXX  Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection  agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation.

I have also sent letters to all three bureaus twice disputing this same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on thisXXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX
Product: Vehicle loan or lease

Every month I try to actively communicate with my Prizm Financial. Every month I am threaten with the automobile being reposed. I would love to continue communication with out the threats of repossession. I am 1 month behind I a received a threating email over the week that if I don't respond to the email by the of the day on Monday my car will go to the final stages of taking the car back. I have rights. I have a right not to be stressed monthly. I understand what I have signed up for. The last 2 years have been very hard however, when I can pay I will pay. I will communicate and do communicate but this form of harassment is very uncomfortable and I wish it would stop. I get emails from many, many, many people in the company and I would like to only communicate with one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed me a hard inquiry made on XX/XX/2019 in XXXX, FL that drop my credit scores and I never been in XXXX or the following company. 

The information I have from the company is this : - SYNCB XXXX, FL XXXX. 
XXXX XXXX XXXX/ XXXX XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who made this credit request to the mentioned above. 

Hope this can be solved as soon as posible because Ive been working really hard to fix my credit. 
Thanks.
Product: Credit reporting or other personal consumer reports

Inaccurate Bankruptcy Reporting Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding the inaccurate reporting of my bankruptcy on my credit report. Despite having discharged my XXXX  XXXX bankruptcy on XX/XX/year> I have noticed that the bankruptcy remains incorrectly reported by Experian, XXXX and XXXX, and other creditors. 

The details of my complaint are as follows : -Georgia bankruptcy Court stated they they do not report bankruptcies to the credit bureaus. 

Despite fulfilling all obligations under the bankruptcy process, the reporting remains incorrect and is adversely affecting my creditworthiness. I have made multiple attempts to resolve this issue with Experian, XXXX, and XXXX through their dispute process, but my concerns have not been adequately addressed. 

I believe this inaccurate reporting violates the Fair Credit Reporting Act and impacts my ability to secure credit, housing, and employment opportunities. 

I request your assistance in investigating this matter and ensuring that my credit report reflects accurate information in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Line of credit open in my name without my consent by a perpetrator that is unknown. A clear act of identity theft with me as the victim. This is a complaint since there were not proper enough checks in place to keep this from happening.
Product: Checking or savings account

I opened my account in XXXX  and had constant overdraft fees that were not my fault. The money was in my account for the amount that was needing to be charged and days or even weeks would go by and the money wouldnt get taken for my bills and then I go and use the money in my account and the next thing I know, Im being charged an overdraft fee for the bills that should have already been paid and went through. I was charged for many many overdraft fees that were the fault navy federal credit union.
Product: Debt collection

This debt collector is in violation of the FDCPA. It violated my privacy and parked alleged debt on my credit report ( s ) without my knowledge. Please see attachments.
Product: Student loan

I completed a student loan forgiveness application with edfinancial and was told i qualified for full forgiveness. I am now learning they didnt have the authority to approve that, and now suddenly my loans are late payments
Product: Credit card

The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. On XXXX XXXX, 2014, upon request I paid {$3600.00} dollars to XXXX ( {$1900.00} ) charged on XXXX XXXX, 2014 & XXXX XXXX ( {$700.00} ) XXXX XXXX, 2014, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX ( I was on the phone for at least an hour ), she mentioned that because the card was closed they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed a fraud identity alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.
Product: Debt collection

This is concerning Complaint XXXX and another XXXX. I disputed this resolution, because they said they could n't verify a debt, and asked for proof of letter. This resulted in a related claim XXXX. However, I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe, since this was just a dispute for the complaint they answered to. 




I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX. I received XXXX the day before saying the same thing about XXXX. I have the following issues. 

1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything. 

2. This debt was not me. They did n't even spell my name correctly. 

3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt. 

4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt. 
I sent all information that was asked of me, and they are still saying they did n't get it. Therefore, I am writing it in this message. 


XXXX XXXX XXXX Account # : XXXX Convergent Account # : XXXX
Product: Credit reporting or other personal consumer reports

Attached is a copy of identity theft report the following accounts were opened fraudulently and fraudulent chargers were made
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX  closed my account. 
On XX/XX/2021 XXXX XXXX XXXX send a written notification that " The account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX ''. 
I have NEVER EVER been late on this account, although XXXX XXXX XXXX updated by Consumer reporting agencies ( Equifax, XXXX, XXXX ) as CHARGEOFF. I have never ever been late and I am providing the written notification by XXXX XXXX XXXX  stating that the account will be reported to the consumer reporting agencies as ACCOUNT CLOSED BY XXXX XXXX. 

THIS SEVERE SCANDALOUS ACTION by XXXX XXXXXXXX XXXX is destroying my PERFECT payment history in my credit.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

I started disputing with CREDIT CONTROL CORP on XX/XX/XXXX. They have never sent me any information about who they are or why they are on my credit. I have never applied for credit with them, and demanded authentication into that matter. IN XXXX I checked my credit and they ADDED a whole new account! They have never sent me any information at all. They have not responded to my requests for validation. They have added an additional account to my credit. They are repeatedly violating my consumer rights and I am very displeased about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

We held a credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX going back to XXXX. We moved to XXXX in XXXX, but kept our XXXX bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX Bank and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Product: Debt collection

Hello Sir/Madam, I received a " Notice of collection placement '' from a collection agency by the name of EOS CCA sent on behalf of XXXX XXXX for the amount of {$1000.00} on XXXX/XXXX/15. I found out from XXXX XXXX that somebody had stolen my identity at XXXX XXXX store to purchase XXXX phones 2 years ago. I had to file a police report before sending my dispute to XXXX XXXX and XXXX via email with all of the support documentations. 


Best Regards, XXXX
Product: Money transfer, virtual currency, or money service

In the Spring of XXXX, I was informed by paypal that my account would be closed for non payment on over {$4000.00} dollars on cash card purchases paid for with my paypal account. I told paypal that I hadnt used the account in over a year and the last time I did use it. The balance on the account was XXXX dollars. They investigated and said it couldnt be id. Theft or fraud since the cash cards purchased came to my address. They did agree that at one time the amount owed was XXXX and some but it had been charged up with purchases of XXXX dollars over a years time from XXXX to XXXX. 
A ] arently my wife or my adult son who stayed here briefly in XXXX found the account info and used the account without my permission. My son hss since been charged with forgery, identity theft and forging an instrument. None involving paypal. 
Today,XX/XX/XXXX I was contacted by a collection agency about a Paypal accout that has grown to XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with Transunion, and it wasn't removed. All Transunion keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is Transunion still showing that old account. This account should not be on my credit report. 

File number : XXXX
Product: Checking or savings account

I reported fraud for $ XXXX worth of transactions. They said it was me even though I dont know these merchants or live in the country the transactions were made in.
Product: Student loan

I sent in documentation to complete a co-signer release from my loans. The form was submitted and I was advised that there was a 14-30 day processing period. I have now been contacting navient for over 3 months and they continue to tell me that my application is being " processed ''. I have inquired if I need to send in additional documentation and was told that I have done everything I was supposed to do. The last call over 1 month ago I was told the request was being " expedited '', yet when I called again today I was advised that the paperwork to have my co-signer released is still being " processed ''. I need to have my co-signer removed from my loans. I have satisfied all the requirements identified by Navient to do so, yet they continue to keep the co-signer on my account and refuse to process my request.