23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX I called Citibank to have them close my account. I had a {$0.00} balance, so I told customer care that want to close, and, was on call with them for 3 min & 27 seconds, and they confirmed my account is closed. They confirmed that they will send me out via regular mail, a closed account letter, which I never received. To my shock and awe, a couple days later, on the XXXX of XXXX, i was charged a monthly service fee of {$12.00}, take into account, I had closed account several days prior, and brought my account negative, so they charged me and insufficient funds fee on top of that. 

Over the past month, the incessant calls i have been receivieg from Citibank customer services has been a real burden, them asking me to settle my negative balance, when i close my account over a month ago, with a XXXX balance. I had said on the numerous harrassing calls to me, when i have told them to stop calling me and had closed my account over a month ago, they still keep calling me, the most recent was this past Sunday, XX/XX/19 at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX , XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX , XXXX XXXX XXXX acct # XXXX , XXXX XXXX XXXX acct # XXXX .
Product: Credit card or prepaid card

XX/XX/2020 Synchronic bank close more than 9 open account in good standing, no missing payment, and less than 15 % of utilization, My credit score is around XXXX, Fico XXXX, 100 % of excelent payment history for more that 11 year. 
Very desapointed, now I have negative impact for that reason. 
My name is XXXX XXXX I though that bank is solid, but I was wrong. 
Thank you for the opportunity My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested via First Class US Mail a copy of my Full File ( Consumer Report Disclosure ) and my credit score as I was told by XXXX XXXX XXXX that you provided them with credit information on me and enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them.

In my conclusion LexisNexis behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, I regret having to communicate with Shellpoint through this formal process however, I fear it is the only way to get a response from them. 
I have contacted Shellpoint by phone the XXXX of XXXX, the XXXX of XXXX and via the online portal submitting COVID-19 related financial hardships. I was told I would be contacted back and have not been. 
My husband who works at XXXX XXXX  in XXXX XXXX and also as a XXXX  XXXX  for XXXX XXXX XXXX  has been furloughed. To compound the issue we had been using savings and credit cards from XXXX when he had XXXX XXXX and was not able to XXXX. 
He was to go back to work XXXX, however, this has now not happened due to Coronavirus. We have no idea when he will be allowed to return to work. 
Additionally, we receive 2-3k per month renting our house as a vacation rental which has now been eliminated due to travel restrictions and our county law putting in place restrictions on short term vacation rentals. 
I had already had issues paying the very high interest mortgage since XXXX when he had his XXXX  XXXX, now we need to have at least two months of delayed payments in order to stay afloat. 

I dont know who else to contact to get a response. We need help and we cant afford to pay a large lump sum in 2 months time. 
Please contact us with what we can do
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX balance {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal information including my DOB, SSN, DL number, and current address. This information is now public record due to their recent data breaches.
Product: Credit reporting

There is an account on my credit report that I have disputed several times with Equifax. XXXX and XXXX have deleted the item from my credit report because it is past the statute of limitations. However Equifax persists to have the item remain on my credit report. I do n't know how long they plan on reporting it, however, at this point I can not afford to wait. I have loans pending and this item is holding me back. The item is a dismissed Bankruptcy from 2007 ( Case No. XXXX ). From all of my research this item is supposed to be removed 7 years from the filing date. We are now at over XXXX years!!
Product: Bank account or service

i went to use the atm whn i put it in it took it so whn the store open at XXXX i walked in waited in line whn it was my turn itold them what happen an if ican talk to the manager thy said no an was rud ask them who can i talk to to get it back said thy dont no an the atm not part off the branch i called XXXX i called ssi office thy said whn it getts serived they give the card to the branch the us bank works just makin fun of me tht just becouse im XXXX didnt let me use the phone an kicked me out the cops came let them no whatb happed told me to file a repot think if they did this to me how many othetr have they did it to sad think i disever a sorry mean workers hope we can fix wat ever goin on there thanks
Product: Credit reporting or other personal consumer reports

METHOD OF VERICATION REQUESTED & DEBT VALIDATION CLAIM : According to the Fair Credit Reporting Act 15 USC 1692 ( g ) & 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am disputing the inaccuracy on my credit report. I previously requested a description of the procedure which was used to verify and determined the accuracy of the information regarding this alleged debt that I never received. Therefore, I am requesting a description on the procedure that was used to determine the accuracy and completeness of the information that I disputed. 
Who did TRANSUNION interview regarding this account? 
How did you come to this determination? 
Please send me a full payment history of this account A copy of any insurance claims on this alleged debt A copy of the original purchase agreement and original contract with my signature I am also notifying the IRS of this cancellation of alleged debt on my credit report which is showing a {$0.00} balance and closed, but without a 1099c form. VIOLATION!!! 

XXXX XXXX Account Number : XXXX Please remove from my credit report. 

According to the Fair Credit Reporting Act, I hereby request that you investigate and delete THIS from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 5 days of receiving this letter. 
Thank you for your assistance and attention to this matter. I represent myself without any third parties or credit repair agencies.
Product: Debt collection

I sent Gurstel Law Firm an email on XXXX XX/XX/XXXX at XXXX XXXX  XXXX  in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.
Product: Checking or savings account

XX/XX/year> RE : Complaint Regarding Closed Account Access - Synchrony Bank ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Synchrony Bank regarding their refusal to close my online account associated with my closed credit card account ( number XXXX ). 

Background : On XX/XX/year>, I closed my credit card account with Synchrony Bank ( account number XXXX ). I received confirmation of the closure via mail dated XX/XX/year>. Shortly after the closure, I received the remaining balance on the account. 

On XX/XX/year>, I received an email notification from Synchrony Bank regarding a new statement for the closed account. While the statement showed a XXXX balance, I was concerned that the ATM card associated with the account was still active. I deactivated the card and contacted Synchrony Bank 's customer service on the same date. 

During the call, I was informed by a customer service representative that Synchrony Bank 's policy is to not remove online access for closed accounts. I expressed my concerns about the security risk of maintaining an online profile for a closed account and requested its permanent closure. 

On XX/XX/XXXX, and XX/XX/year>, I submitted a formal request through Synchrony Bank 's messaging system to permanently close my online profile. I emphasized the security vulnerability of an open online profile for a closed account. 

Despite my repeated requests, Synchrony Bank has refused to close my online account. 

Request : I request that the CFPB intervene and instruct Synchrony Bank to permanently close my online profile associated with the closed account number XXXX. Maintaining access to a closed account poses a significant security risk to my personal information.
Product: Money transfer, virtual currency, or money service

I am wrong to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/20, I paid {$350.00} for refrigerator parts from XXXX XXXX XXXX XXXX XXXX. On XX/XX/20, I disputed the charges with my credit card company, Chase, since the repairs were never performed and the merchant had ceased communicating with me. On XX/XX/20, Chase ruled in the merchant 's favor because " the services were received or available to use '', which is completely false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( same exact account as XXXX account Those accounts are fraudulent and I provided government document to prove my incarceration during these accounts being opened, I also spoke with TransUnion on XXXX and they acknowledged receiving my FTC report but never removed any accounts. 
I also have a bunch of new inquiries that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

a transaction to a hotel in XXXX which I did not authorize. XXXX for XXXX I still believe if this is truly investigated it will show that I did not authorize this transaction and not take the word of the hotel that could be involved instead of calling your customer for over 25 yrs a liar and a thief.
Product: Vehicle loan or lease

Truist Bank Auto Loan Experience : I tried to use the mobile app to payoff my loan on XX/XX/year>. I did not get a verification. I tried again, still without verification. A few days later ( XX/XX/year> ), the loan was still not paid off. I tried again with no luck and engaged in the chat help feature on the Truist app and was told that I could not initiate a payoff on the app and that I would need to call, so I did. I called and the agent took my payoff information. Why did they take my payoff if there was already XXXX pending payments? Within a few days, I found out my mobile attempts did go through and two duplicate payoff amounts were deducted from my checking account - over $ XXXX. Two could not process and I was charged an insufficient funds fee. I called to see if I could get my $ XXXX back quickly and was notified that they would return it via check within XXXX business days. It's been 14 business days with no check in the mail and no title received either. It's very inconvenient to have to wait on my $ XXXX to be refunded due to lack of system control over duplicate payments. I tried calling to check on the status and can't get anyone on the phone to help me understand where my payment is. The auto dialer hung up on me once.I asked to be forwarded to the XXXX XXXX XXXX  and no one has contacted me. I was notified that I also needed to cancel my auto monthly payments or they would continue to draft it- which is also ridiculous. I can not access my statements on the app now because the account is closed, which I feel I should be able to access my statement history still.
Product: Checking or savings account

I have an account with Chime ( XXXX ). Recently they allowed a charge of {$160.00} to my account which was NOT AUTHORIZED. I told Chime that this charge was not authorized. Chime came back and said they had proof that the charge was correct! I am their customer, and they tell me the charge is correct!! I repeated to them that the charge is not authorized, and I want it returned immediately, but they refused. The company that made the charge XXXX XXXX was told in writing ( 4 different time that they were not allowed an direct withdrawal payments. I need my {$160.00} back ; I am having to choose between medicine and food because these people will not return my XXXX. I have the right to receive this money back upon request, and MY bank has to refund it. I need my money back now, Thank You.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 sec

tion 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 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 :XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX Balance Owed : {$94.00}XX/XX/XXXXXXXX Balance Owed : {$1600.00}XX/XX/XXXX Balance Owed : {$700.00XX/XX/XXXX Balance Owed : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXXXXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number- XXXX I am writing a Dispute of Inaccurate Information Under 15 USC 1681s-2, In accordance with 15 USC 1681s-2 ( a ) ( 1 ) ( B ), you are required to correct and update any information you have provided that is inaccurate or incomplete. I request that you investigate this matter