23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Synchrony Bank, offering a Credit Builder credit card for Amazon.com, sent an email staying theyve made test deposits into my account, but it did not specify which account. 
I have never set up an account and have no interest in a credit builder account. I attempted to contact Synchrony Bank, but after 30+ minutes on hold ( XXXX XXXX, 2019 ), I was unable to reach anyone. 
One article, on XXXX, stated theyve reached out and were informed that it was an accident without any compromising info. but I have not been able to independently confirm the accuracy of the story, nor does it explain how they would have gotten my contact information or how they would have known I have an Amazon Prime account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I received a letter from American Express notifying me that they were changing the terms of of my Delta Sky Miles credit Card. They were changing the annual fee to {$99.00} on XX/XX/XXXX. The letter also notified me that if I didn't accept the new terms that I could cancel my card before XX/XX/XXXX and receive a prorated refund of my annual fee. I had paid my annual fee of {$95.00} on XX/XX/XXXX. I called their number provided and ( XXXX ) and cancelled my account of XX/XX/XXXX and requested my annual fee rebate. I have not received my rebate and have called their customer service numerous times only to be told that I was not due a rebate. I will attach the letters I received from them that support my complaint.
Product: Debt collection

Previously filed identity theft. Transunion said it was a discrepancy in the filing. The correct account number was added. Moving forward if this account continues to be furnished on my consumer report with the help of the CFPB litigation proceedings will continue. Please see attachment. Attached is my FTC report XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> a charge in the amount of {$16000.00} for XXXX XXXX XXXX was issued on our company, Creative Display Ads, business credit card acct through Bank of America. This charge is fraudulent. I called Bank of America credit card fraud department on the morning of XX/XX/year> disputing the charge, after seeing it posted on our credit card. 

I also called Bank of America 2 weeks later checking in on this charge and they said that the dispute has been assigned to representative and it is being investigated and that it can take up to 3 months to be resolved. 

I then call today on XX/XX/year> to the fraud credit card Dept of Bank of America, once again. I asked to speak to a representative about when I will see the credit issued back since the fraudulent charge is still appearing on our acct. I'm told that this claim was was resolved but not in our favor. I said, " what do you mean it was not resolved in my favor. I never made that charge! Didn't you look into the XXXX web address that the online charge was made from, see the shipping address, etc ...? '' After a long wait, the Bank of American representative comes back on the line and says, " it looks like you called Bank of America and said the charge was legitimate ''. I said, " No I did not call and say that ''. At this point, I ask to speak to the manager of the fraud dept. After another very long wait, the manager comes on the phone and says that I called on XX/XX/year> at XXXXXXXX XXXX. saying that the charge was in fact legitimate and was made by myself. I said that I never made that call!!! The manager then said that basically someone was impersonating myself and saying that I made the charge. Bank of America obviously did not get proper verification from this person impersonating myself. All they needed to do was text a code number to my phone, like most all other companies do to verify my identity.

The manager then says she will resubmit the claim and it will take another 45 days. In the meantime, there is not only a {$16000.00} charge but there is also interest accruing.

Another thing that is odd is I receive text messages confirming charges through Bank of America credit card department of small charges like for under {$100.00}. However they let a {$16000.00} charge go through from a company we have never purchased from ever! We also never make large purchases in general. We have had this business acct / credit card with Bank of America for 23 years. 

I thought that I was supposed to be protected from fraudulent credit card charges. 
I now do not feel comfortable banking or having a credit card with Bank of America.
Product: Checking or savings account

on or about XX/XX/2018, SunTrust Bank ( Now Truist ) restricted my access to my account ( XXXX ) without reason. With my access denied yet my account was still actively being charged and deposits accepted and accounted for, I have been wronged and injured beyond repair. Fair is Fair and just compensation is due. As the owner of account ( A single account is a deposit owned by XXXX person. This ownership category includes : An account held in XXXX person 's name only, provided the owner has not designated any beneficiary ( XXXX ) who are entitled to receive the funds when the account owner dies ; An account established for XXXX person by an agent, nominee, guardian, XXXX, or conservator, including Uniform Transfers to Minors Act accounts, escrow accounts and brokered deposit accounts ) per FDIC.gov, disclosure was withheld of this possible restraint and trespass of rights. I recall going to the bank on or around XX/XX/2018 and being told verbally my funds were on hold for XXXX XXXX XXXX days. As those days ended and communication was had, evidenced in the attachments, I was given the runaround and for the past XXXX years I have not been returned any disclosures nor the credits that were in the account ( XXXX ) at the time of UNAUTHORIZED TRANSFER/DEBIT ( XX/XX/2018 ) to unknown account. All communications and notices from SunTrust agents going forward were doubling the days going forward i.e. XXXX, XXXX, 120 days etc,. The attachments show the consumer transactions and how I, the consumer was robbed of { {$420000.00} } all the while crippling the consumers entire life financially and mentally. Pursuant title XXXX UNITED STATES CODE XXXX Trusts, etc., in restraint of trade illegal ; penalty -- Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding XXXX years, or by both said punishments, in the discretion of the court, conspiracy has been committed along with theft of funds from account. The branch upon gaining parts of the attachments is listed here ; XXXX XXXX XXXX XXXX XXXX, tennessee XXXX. We would like our accounts restored and funds returned to the rightful owner. SunTrust ( Now Truist ) is a FDIC insured entity, so at a minimum XXXX rightfully owed {$250000.00} ( XXXX XXXX and XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

For the last three years, I have disputed a bankruptcy reported on all three credit reports ( XXXX, Transunion, and XXXX ). I haven't received any correspondence from the reporting agencies about why it can't be removed. I understand it is a public record, but I did not permit for the credit reporting agencies to place it on my credit report. I have a letter from the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX stating they did not permit the bankruptcy to be reported to all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims that the bankruptcy they are reporting has been verified by the courts and XXXX XXXX. However, I've proven that neither XXXX nor the Courthouse interact with the credit bureaus in any form. Neither the Courthouse nor XXXX contact to report bankruptcies nor do they verify bankruptcies. In fact, XXXX doesn't even show anyone 's full social security number. Furthermore, XXXX XXXX has stated they do not have a bankruptcy listed on my profile or my unverifed profile. 

This means that Experian is fraudulently claiming a method of verification that has been proving to be invalid. Experian is blatantly disregarding FCRA guidelines and violating FCRA as well as my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill saying it is mine. According to the FCRA, Hunter WarField has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
Product: Debt collection

On XX/XX/2019 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Aargon Collection Agency. '' The company received my letter on XX/XX/2019 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

on XXXX 2016 i received an email with a " thank you for your application '' from cashnetusa.com on XXXX/XXXX/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. 

i did not take any loan out, XXXX dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for XXXX XXXX cvard via XXXX to purchase a laptop, i am not saying XXXX has anything to do with it, it this started after that and it brings up a concern.
Product: Credit card or prepaid card

Have had a Fortiva Credit Card for about 8 years. Due to limiting spending activities due to the pandemic and inflation, the only activity on said card was XXXX, XXXX and the payment of a maintenance yearly fee on XXXX. On Wednesday, XX/XX/2022 I received an email saying my Fortiva account was closed due to inactivity. I called their center on Thursday, XX/XX/2022 for an explanation, After waiting for XXXX minutes for a rep, she finally answered, she barely spoke English, could hear me well enough to take my information and complaint, then she stated the call was " breaking up '' and she couldn't hear me and hung up.on me. So I immediately called back and chose the text message option, rep was named XXXX. He stated the account was closed due to inactivity, although I reminded him there had been 3 transactions in the past year, he stated once the account was closed, it could not be reinstated. Said " apologies '' End of conversation.
Product: Credit reporting

Equifax has not request supporting information to support their reason for keeping wrongful information on my credit report. I was told by a rep over the phone that what happens is they contact the creditor and whatever that creditor says is what they report! That does not sound like a investigation. Where is the proof? Then when I asked if they got a copy of documents as proof they said they could refer me to a credit monitoring company they have that cost $ $ $ what ever and at that time they could help me further! So now I 'm thinking this is all making sense!. If you pay equifax they can show you ways to do things to correct CS that you can do yourself?! NOT.
Product: Vehicle loan or lease

According to 15 U.S. Code 1692e ( 4 ) States ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

Also In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose. 


A judicial order is needed to repossess a vehicle and the company has failed to provide that order. 




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

Calvary Portfolio is frequently updating my XXXX credit report - showing date reported as most recent asXX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

XXXX XXXX  is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.
Product: Credit reporting or other personal consumer reports

Experian is continually reporting an XXXX account inaccurately. In the payment history for this account it shows it as 30 days past due for consecutive months. This false reporting is damaging my credit reputation. This is illegal as this is false reporting for which they are willfully being non-compliant in correcting this.
Product: Credit reporting or other personal consumer reports

someone ran my credit report for approval of credit and i recieved a hard inquiry on my credit report.
Product: Debt collection

I have no true point of reference of this account. 

I demand immediate validation of the alleged debt. Provide the initial agreement, details of the original creditor, an authentic signature on the agreement, and documentation of the assignment of this account. Failure to provide this information will invoke the Doctrine of Estoppel by Silence as established in XXXX vs. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, leading me to conclude that there is no proof of the alleged debt and that no such debt exists. and must be deleted for my credit file.
Product: Debt collection

I pulled my credit report and noticed there was a collections account from LVNV Funding. On XX/XX/19, I sent a letter to this collection agency asking if they could validate the debt. They did not respond. Instead I received a letter from Resurgent Capital Services dated XX/XX/19 stating they are a collection agency collecting on behalf of LVNV Funding. I then sent Resurgent Capital Services a letter on XX/XX/19 asking them how could a debt collection agency be collecting on behalf of another collection agency and to validate the debt. I also sent another letter to LVNV Funding once again asking them to validate the debt. On XX/XX/19, I received a letter from Resurgent Captial Services stating after their investigation they are closing my account ; however, as of XX/XX/19, I still have not received a response from LVNV Funding and the account is still listed on my credit report ( XXXX  ). I sent my final letter to LVNV Funding today XX/XX/19 and is asking CFPB to help me with this matter.
Product: Credit reporting

I submitted a dispute via certified mail with returns receipt requested on XXXX XXXX, 2015 to ensure a guarantee arrival because I was concerned as to why a withdrawn tax lien is still showing on my credit report with Equifax. Equifax received this on XXXX XXXX, 2015. This information was incorrect and I asked them to dispute it and they never did. It was never listed as in dispute as I am monitoring my account with their monthly subscription program. My concern is that they were not able to either understand me or my dispute was ignored because they sent me a letter stating that they did not locate anything like that in my file. I specifically stated that there is a withdrawn and inlaid tax lien released from my name in XXXX XXXX, 2015 and it is still appearing on my credit report. Paper were submitted to have Equifax update this account and remove it from my credit report. The XXXX XXXX County Registrars department has formally withdrawn and removed it from my name because it was incorrectly placed, as the taxes were indeed filed on time and appropriately. By law Equifax must remove the invalid tax lien for the released amount of {$1600.00}. I do not understand what is so difficult for them to see, it is right there on my credit report. I am concerned that they are ignoring the issue and do not want to update my credit file. I paid over XXXX dollars for them to receive my formal dispute and they have not even addressed the issue. I even stated that it was a public records concern and they did not reposed or investigate it. Their entire reinvestigation seemed to have been done in a few days time, I sent the letters on XXXX XXXX and they responded so quickly and shut me down. I am so extremely concerned as I need to correct this invalid lien in order to apply for balance transfer cards in order to consolidate my debt. Equifax 's reporting has gotten me denied from XXXX XXXX Bank. Thank you so much and please help me as soon as possible. On XXXX XXXX it will be XXXX days that they have received my Certified Letter, I require this removed by then or I will continue to investigate the unlawful actions and stay tactics by this company.
Product: Debt collection

XXXX date XXXX, I called I tired to go on website no luck with a call back nor a email don't know what this bill is for..
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, Amount : $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/2XXXX XXXX XXXXXXXX Amount : {$280.00} XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022