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

XX/XX/2024 Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received two letters from your company offices addressed, Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX, XXXX, GA XXXX XXXX Both dated XX/XX/XXXX of XXXX. The latter office asked me to submit one government issued ID and one item to validate my address for the security freeze on Equifax credit report. I believe I have submitted enough documents for that, I will do it again. Since I am sole XXXX  and XXXX, I do not have any utility bill, pay stub, W2 or 1099 as one item to validate my address. Since I will submit the copy of my drivers license, I need one document as one government issued ID. I do not have any state issued ID card and birth certificate, since I am a XXXX XXXX. And if I will submit the latter, it might mean in XXXX. If I need to submit one translated in XXXX with XXXX XXXX  from the XXXX consulate in XXXX, it cost more than {$30.00} as far as I remember, I do not want to spend so much money, since I believe I spent much money for the filing to district court of NJ, which I was asked to file by the court, and all of these mailing costs which must be more than one XXXX now. Therefore, I will submit the copy of my XXXX passport, since at least it does not cost at all. Along with them for the security freeze, both offices asked me to submit my social security number. The former office was for the initial fraud alert. The latter was to locate a credit file in [ their ] database with [ my ] identification information, in order to further assist [ me ], with which, I am not sure when I have asked the assistance from this office at all. 
Sincerely,
Product: Debt collection

Diversified Consultants Inc. ( DCI ) is reporting a debt to the Credit Agencies, and has never contacted me. I do not know them, or have I ever done business with them. I recently pulled my credit report, and DCI was reporting on to all XXXX agencies since XXXX 2016. I have never received a letter or notice from DCI, I never gave my prior consent, and was never given the option to dispute. 
On XXXX XXXX, I sent DCI a letter, see attached, in the absence of prior consent, or content from a court, they are to cease and desist until consent if obtained or provided. I to date, have not received any communication from DCI. Without being given the option to dispute, this entry has been in my credit profile for four months. 
Lastly, I am a victim of Identity Theft. I have no idea where DCI obtained my information, and again I would have clarified this situation, but was denied the opportunity to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX I purchased a Transunion membership. at that time I had access to my full credit report from all three bureaus. Upon going over it thoroughly realizing this is what my future holds thinking how can I improve my situation, I begin disputing a few errors I noticed and mistakenly submitted the wrong account I admitted to my error thinking the follow day I would be able to correct it by giving the bureaus and my bank a call.XX/XX/2019 I called all three bureaus only to hear Transunion tell me that particular account was no longer on my file. I immediately asked how was that when I submitted not even 12 hours prior to speaking to a representative to have it cancelled. XXXX  or XXXX would Not cancel the dispute per my continuous calling everyday begging to cancel the dispute.So the back and forth went on between me the bureaus and my back for approximately 2 months.Finally XXXX  started reporting back to my credit report.I have been an Authorized User on my dad 's account since XXXX with a credit limit of {$2300.00} this is very important to me as a holder by not reporting my all my accounts has caused me to continuously get denied credit, XXXX, XXXX for the last 4 months for an account that's reporting Excellent payment history and would help my score.I am asking to Please have my account reporting back to my credit report. I have attached supporting documents for my case.This is horrible feeling knowing you're paying a bill and not have it reporting to help my scores.
Product: Credit card

7 fraudulent transactions were made on 7 consecutive days, each for the amount of {$980.00}. They were made in California, apparently using a chip credit card XXXX Bank of America ) owned by my wife 's sister, who lives in Virginia. The sister was in Virginia during the time the frauds were committed. We have proof, including a receipt of a transaction she made on the first day of the fraud. We also have proof that she was in possession of the card during the times of the fraud, and that she didn't loan her card to anyone before, during, and after the frauds were committed. After several months, We received, from Bank of America that Thay have concluded that we were responsible - based on their conclusion that the card was used by my wife 's sister because she apparently also keyed in the cards pin number. Bank of America provided not additional information as to their investigation into this issue. During this time we provided to them all of the information and proof we had. They did not cooperate with us, such as detailing their investigation. That simply mailed us a letter that was an exact copy of their first resolution. We are currently waiting - after 2 months for their third resolution, which we know will be the same as the first two letters. What can we do to resolve this issue?
Product: Checking or savings account

I have two accounts with Truist which total {$21000.00}. These accounts are never used and the money just sits there. I check the balance at least once per year. These accounts were originally in BB & T and I have held them for over a decade with no problems. 
Upon checking my balance in XX/XX/2023, I noticed fraudulent charges on a debit card in one of my accounts. I don't use either of these accounts and have never used the debit card that Truist sent me when they merged BB & T. The company making the fraudulent charges is unknown to me and I have no relationship with them. I reported the fraud charges immediately but Truist has denied {$89.00} of the charges because they occurred more than 60 days before I reported the problem. This policy requires the customer to be responsible for the safety of his money. Truist accepts no responsibility for the loss. 
I'm an old man and have had many accounts and many banks in my day. Truist is the first bank to lose my money and then refuse to make it right. For all I know Truist employees are stealing money this way. How could anyone know the numbers of my unused debit card? Only an employee could have that access. I accuse Truist employees of stealing my money and giving me no way to recover it short of a law suit. 
I only lost a small about of money and it could have been much worse. But I'm forced to pull my money from Truist and take my business elsewhere. I can not trust that Truist is able or even willing to safeguard my money. I've been told in no uncertain terms that my money is not going to be returned to me.
Product: Debt collection

XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX   XXXX had to delete the account then in late XXXX  it was put back on credit report
Product: Credit reporting

I filed a dispute with transunion over an alleged debt from XXXX XXXX that came back as " verified ''. This is a screenshot of the results. But how can an account be closed on XXXX/XXXX/XXXX yet the last supposed payment was on XXXX/XXXX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information XXXX A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus requested signatures, original application or any documentation stating that this belong to me and the companies never confirmed the documents. Therefore, I would like you removed from my credit profile immediately. 

XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX TWICE - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Product: Debt collection

My first contact notice from GC Services ( XXXX XXXX ) of XXXX, Tn. was in XX/XX/XXXX of XX/XX/XXXX, and I responded with an explanation and a packet of information showing the debt had been dismissed in bankruptcy in XX/XX/XXXX ( Certified mail receipt XXXX XXXX XXXX XXXX XXXX ). The second notice was in XX/XX/XXXX of XX/XX/XXXX, and company ignored my formal request ( s ) for them to provide written proof that the debt HAD NOT been dismissed. I answered the second notice in XX/XX/XXXX( Certified return receipt : XXXX XXXX XXXX XXXX XXXX ), disputing the debt, and re-iterating that the debt had been dismissed. I once again asked them to provide documentation showing they had a valid, collectable debt. I never received a response to either of my requests. Twenty ( 20 ) months later ( XX/XX/XXXX ), I received another collection notice that implied I had been avoiding their collection attempts, and they threaten to take other action ( s ) against me. I responded again summarizing the previous Two ( 2 ) responses, and informing them I was disputing the debt, had not re-affirmed the debt, and informed them they were in violation of Federal Collection laws by not providing the requested documentation and continuing with collections. My response was sent Certified with return receipt XXXX XXXX XXXX XXXX XXXX. It was received by the collection agent on XX/XX/XXXX. The collection agent wrote yet another notice that same day, requesting payment, and once again ignoring the fact that the debt had been dismissed, and ignoring my requests for documentation.
Product: Credit card

I disputed over XXXX charges totaling over {$20000.00} with XXXX on my American Express card. More than half of these disputes were denied due to the XXXX rule, despite my evidence showing misrepresentation, lack of fair gameplay, and incomplete financial records provided by the merchant. 

XXXX failed to prove fair gameplay or transparency in their practices. They only focused on withdrawals, omitting deposit amounts, which is misleading. I contacted the merchant directly, following their Terms of Service, but received no meaningful response. 

I request CFPB assistance to ensure American Express reevaluates these disputes and holds the merchant accountable for providing fair services as per consumer protection laws.
Product: Credit reporting or other personal consumer reports

My identity was stolen and unauthorized accounts were opened with USAA and they will not remove it from my consumer report knowing it was unauthorized which is a violation of FCRA. There are also hard inquiries from XXXX XXXX  and XXXX  XXXX XXXX from Adverse Actions that should be excluded in Accordance with FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$8500.00} XXXX XXXX XXXX XXXX XXXX Page 1 of 3 XXXX XX/XX/XXXX, XXXX XXXX  Medical Services Obtained by the Thief Company or XXXX XXXX Organization : ADJUSTMENT C ( Original Creditor : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Other Identity Theft Company or Organization : Account Number : XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1000.00} Total fraudulent amount XXXX Date fraud began : Date that I discovered it : Fraudulent Auto Loan or Lease Total fraudulent amount : {$5700.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$41000.00} Fraudulent Auto Loan or Lease Company or the company Organization : Fraudulent Information on Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX Page 2 of 3 XXXX XX/XX/XXXX, XXXX PM Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX Employment Information : VA COMPENSATION, XXXX XXXX
Product: Debt collection

Superlative RM continuously calls this number using abusive language, and making threats. When I asked to speak to a manager I was handed off to someone next to the caller and not management. While trying to find out what the debt is in regards to the representatives are evasive, untruthful, and abusive in language. I have no contract with this company. I don't know who is actually calling me. I have never done business with this organization.
Product: Credit card or prepaid card

The website for Barclays credit cards is incredibly confusing. There is no clear stated total transaction cost amount on the website. I have to personally calculate how much money will be owed on my upcoming bill, by adding up all the transactions myself. Currently I have several pending transactions and that is also not totalled anywhere. It is incredibly confusing and misleading to use this website to try and determine how much money I will owe on my credit card every money, prior to the actual bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Hi, I made online bookings with XXXX to stay at XXXX XXXX XXXX XXXX, Alaska for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my family and my sister 's family. When I arrived at the Motel on XX/XX/XXXX night XXXX and saw the room conditions were horrible and it is not safe for myself and my family to stay at this place. Therefore I asked the Motel personnel to cancel the reservation for all of the above days I booked, the Motel Employee refused to cancel the reservations and said there is no Manager available. 

Then I contacted XXXX and spoke to them more than 1 hour to cancel these reservations and to make alternate arrangements. However XXXX neither made alternate arrangements for me nor they cancelled the reservations. Myself and our family were Stranded at that time, and we spend the night at our cars in a Parking Lot with no access to Restrooms or Drinking water. 

After I comeback from my vacation, On XX/XX/XXXX I filed disputes with all of the reservations with Capital One and sent all the information pertaining to the disputes to them. On XX/XX/XXXX, Capital One reversed the charges and on XX/XX/XXXX they took the side of the XXXX 's rebuttal and put the charges back again into my account saying that I need to show cancellation proof from XXXX or XXXX XXXX XXXX. 

On XX/XX/XXXX, I filed my response to the rebuttal form along with the images of the horrible condition of the Motel. 

On XXXX XXXX, XXXX, I again sent a response to Capital One explaining about the circumstances that either XXXX or XXXX XXXX XXXX is not providing the cancellation proof and taking advantage of false advertising. 

How do I submit the cancellation proof if XXXX or XXXX XXXX XXXX doesn't provide me one? 

Under the Fair Credit Billing Act- Federal Statute- 1975, if the services rendered and quality are not met to the customer satisfaction then the customer has the right to dispute the charges, however Capital one is denying me the lawful right to dispute. 

Please take up the matter with Capital One and get this dispute resolved and all the charges reimbursed to my account. 

Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notification/alert from XXXX credit monitoring service that a new line of credit was placed on my XXXX, XXXX and XXXX credit reports. 

The line of credit was reported by Synchrony Bank PayPal, who apparently purchase credit account back XX/XX/XXXX, and decided to report an account and claim the account was opened back in XXXX, and tried to claim Synchrony Bank had reported the account as far back as XXXX. 

I immediately disputed this account with all three credit bureaus as fraudulent and not belong to me and asked for investigation and immediately removal. To date all three credit bureaus had refused to dispute or investigate the fraudulent account. 

I reached out directly to Synchrony Bank and explained I did not open a line of credit with PayPal and requested to dispute this account as fraudulent and explained this purchased account was inaccurately listed as a line of credit. 

Synchrony Bank is refusing to allow the dispute told the consumer due to the fact the account was opened in XXXX, and payment were made the consumer could not dispute the account which is direct violation of the FCRA. 

PayPal fraudulent opened out a line of credit then years later sold the accounts to Synchrony Bank who is now holding the consumer responsible for their bad investments and denying the consumer the right to dispute fraudulent inaccurate information/account activity. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank acquiring account which should be illegal. 

Therefore, I am requesting an investigation into this practice of one bank assuming total control over consumer lines of credit without their consent and requesting the CFBP enact or enforce laws and provide consumer protection from this abusive practice. 

In addition, I am requesting an investigation into Synchrony Bank dispute practices which placed roadblock resolving disputes in a timely manner effectively tying up the consumer line of credit and making the consumers to wait ( 60 ) sixty to ( 90 ) days before resolution. 

I want this line of credit immediately removed from all three credit reports and want the CFBP to hold all three credit bureaus accountable for refusing to allow the consumer to dispute fraudulent accounts, investigate disputed accounts and facilitating this abusive practice of bank buying fraudulent accounts.
Product: Money transfer, virtual currency, or money service

Every cash app I have made, it has been closed. On top of money being withdrawn from my XXXX XXXX  account that I did not approved. I verify my identity and the accounts closed and does not allow me to transfer my money in or out. I have done nothing except send or receive money also off of my own card/bank. I reached out to a representative and their response was we can not tell you why and nothing else.
Product: Credit card or prepaid card

Dear Discover Bank, XXXX XXXX charged me a yearly membership fee of {$270.00}, despite canceling the membership before the trial period ended. I filed this at the dispute center and was given a conditional reversal of payment, with no explanation given. XXXX canceled the XXXX membership ( you can see on my account that it's advertising me to reactivate it ). There is not a valid reason that I should be charged for this. XXXX has confirmed to me that this was a mistake. I've been a loyal customer for over a decade, but I will have to stop using this card if there is no assurance that I will not be held accountable for unauthorized purchases such as this. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

SUPPOSED " TRANSACTION '' : Date :  XXXX / XXXX /   2016  Amount : {$490.00}  XXXX  Processor :  XXXX    XXXX   XXXX   ( illegitimately claimed " sale '' through fraudulent website -  XXXX   ) Neither  XXXX  / Continental Finance nor this continually unresponsive " entity '' identified what was   supposed transacted on my card by either them or the associated fraudster.     The initially attractive {$500.00} card limit -- albeit a whopping {$100.00} processing/activation fee -- that I chose to help build my credit is indeed issued by the indisputably most horrible financial organization in the worl d, Continental Finance. Their management and incoherent representatives ( see " SurgeDisputeOperationsEmail '' attachment for the absurdity of the representative in closing my card / resolving my claim, in which she even deleted one of my email requests having a receipted opening ) have solely prompted serious issues in getting, not only this charge cleared from my account, but now the late fees more than {$300.00} due to Continental Finance 's asinine interest rates and holistic financial insecurity. Now,  I wake up every morning wondering how this institution ( whom offers  XXXX  different bogus credit cards! ) is even permitted to operate in the United States or any country for that matter. They are not interested whatsoever in helping  Americans es tablish credit with the  XXXX  major  bureaus. Continental Finance is out to pillage every red cent they can from their unfortunate customers that are experiencing the same indescribable problems as I. Please do yourself a  kind favor and run as quickly and as far away from these crooks as fast as you can before you inevitably end up with a catastrophe like I am dealing with.