23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank denied my application for a Sam 's Club Credit card due to " Prior unsatisfactory obligation with Synchrony Bank. '' Since my only other account with them is my Amazon card which is paid on time every month, has never been late and I am not over my limit, they are denying me credit because of a fraudulent account that was opened in my name with XXXX. I fought and won to have this account removed from my credit reports with the credit bureaus but synchrony still harasses me for payment on this account. ( Not going to happen, and they have made several FCRA violations in their quest ) This is a clear violation of my rights for exercising my right under the consumer credit protection act to have this info erased from my reports since it was a fraudulent account/identity theft. They listed no other reasons for the denial of credit since there are none. I have a good credit score ( even though they tried to destroy it by adding the account back to a report after it had been reported as fraud/identity theft, another violation ) and I pay ALL of my bills every month on time and have a 100 % on time payment history. They consistently violate consumer rights and I will be filing a lawsuit against them. This violation is just another to add to the growing list they have already accumulated. ( XXXX violations ) This company needs to be fined and shut down in my opinion as this is not the first time they have had this issue. In my research they settled another class action lawsuit due to similar violations.
Product: Credit reporting or other personal consumer reports

The bankruptcy court did not accept my filing, and was dismissed. But Experian, and XXXX has has placed this very negative item on my credit report. I've asked several times to verify and validate this bankruptcy on my credit report. I contacted the bankruptcy court office and received a letter stating that they do not send information to the credit bureaus. So I want to know what company is sending inaccurate information to the credit bureaus without my permission, which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Notice to agent is notice to principal notice to principal is notice to agent Reinsertion of previously deleted accounts from credit reports RE : Social Security Number : XXXX To Whom It May Concern : Experian, It has come to attention while checking my consumer reports that you Experian, has reinserted a previously delete item on my consumer reports. 

I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Further more after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions.

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA. 

XXXX XXXX All rights reserved UCC 3-308
Product: Payday loan, title loan, or personal loan

ACH Authorization does not specify how automatic withdrawals can be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

A mail forward with USPS was placed in my name ( online ) and multiple accounts ( credit cards, loan, business loan ) were opened in my name through XXXX XXXX XXXX. The activity started in XX/XX/XXXX and continued until XX/XX/XXXX. I received no correspondence and had no knowledge of these accounts until they were in default.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. ( XXXX XXXX ) Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was 30 days late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Called company and was polite wth them about their interest loan of 129.97 % and asked them how they could charge me that, which I believe is illegal in NJ to charge on a dog I had finance in XXXX nj.m, at XXXX XXXX  which use XXXX  as their company to finance pets. They guy said it is not illegal to charge me that and wouldnt do anything for me, even if I made all my payments on time and never late. The dog would be payed off already but the interest rate is 129.97 % Im not understanding how that is even possible and I feel like Im being scammed.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOW [ XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX ], I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.

If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Credit reporting

My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same/similar name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Account  XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The information you disputed has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated all filed to the ftc wrong address and names need help removing fraud alert from all 3 companies
Product: Debt collection

XX/XX/XXXX. 
Credit Control , LLC ( debt collector ) XXXX Reference # XXXX They were trying to collect debt that owe to XXXX XXXX XXXX XXXX. 
Owed XX/XX/XXXX : {$520.00} XX/XX/XXXX : {$510.00} How am I being charged when I just got released from XXXX  in XXXX XXXX, XXXX I got my release papers to prove plus Im currently on XXXX  as well I can prove that. I XXXX XXXX XXXX XXXX XXXX since XXXX. This the second time I had identity theft with them they keep saying I owe, I can open nothing will XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

I have identified the fraudulent accounts and addresses as follows : Fraudulent Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never opened or authorized any of the mentioned accounts, and the addresses listed are entirely unfamiliar to me. This fraudulent information poses a serious threat to my financial well-being and undermines the accuracy of my credit report. 

I kindly request that you investigate and promptly remove all fraudulent accounts, addresses, and associated information from my credit report. The inclusion of these inaccurate and unauthorized entries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand that your duty is to ensure the accuracy and integrity of credit reports. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation. I request that you provide me with written confirmation once the fraudulent information has been removed from my credit report. 

Please treat this matter with the utmost urgency, as it directly impacts my ability to secure a mortgage and engage in other financial transactions. I appreciate your immediate attention to this serious issue and look forward to a prompt resolution. 

Thank you for your assistance in resolving this matter. Should you require any further documentation or information from me, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX  ( website : XXXX  ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access myequifax.com and there is no solution provided by them, when I have called them either the system is down or they are not able to provide any solution. I have tried all the solutions provided like using different devices, browsers and clearing cookies, but I have never been able to access my account. 
On top of this they do not provide any way to troubleshoot by email, just by phone.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

On XX/XX/year> my credit card was fraudulently charged {$XXXX}. I filed a fraud complaint with Bank of America that day while the charges were still processing. After about XXXX  days Bank of America determined that it wasn't fraud all without contacting me and saying that the " purchase was made from a verified device ''. When I requested the documents or which device was the verified device they said that they did not have that information. And that they also did not have the research they used to make the decision it wasn't fraud and I needed to write a letter to the research team to get the documents. All I was provided with was a fax number to send a letter to. I requested that the case be re-opened in the mean time so I can also file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX 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 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: Checking or savings account

This is an issue that I have with 5/3 bank, I have an open checking account with them and did not enrolled in overdraft protection, and for a transaction of {$30.00} that went through my checking, now they are charging me {$170.00} for overdraft protection. 
To enrolle on overdraft protection, I should have saving account or credit card account to protect the overdraft protection, the payment of {$30.00} must be rejected because I don't have money to spend on the account, the bank is doing that to charge the customer unfairly.
Product: Mortgage

I was called by XXXX XXXX Licensed Lending Officer NMLS #  XXXX. When I told her I don't want to credit pull she freak out and pressure me by threatening to hang up and telling me there many people waiting for her call. I could lose my home if I don't do what she said. I was not comfortable listening to her. I am sure someone will give into her pressure so I want to let others know about this situation. And want kind of agent is at Loan Depot.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX XXXX and noticed and XXXX late payments on an account that I was never late for. XXXX XXXX agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late for payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was never late. I requested statements on XX/XX/year> and XX/XX/year> proving that I was late. This company has repeatedly failed to rectify the situation, promising that they would fix this. Thank you
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report.i am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 please remove the following inaccurate addresses from my credit report : LVNV FUNDING LLC, XX/XX/XXXXXXXX According to the FCRA, accounts that have been disputed by the consumer must be noted as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial Servicer is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by save the dream ohio hafs program. BSI knows I was approved for State assistance through the HAFS Save the dream Ohio program. The money was sent to pay my mortgage in a timely manner but BSI Financial has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to BSI. No one knows what's going on and they do nothing to help their clients.