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

Synchrony Bank does financing for XXXX XXXX and other retailers. 
I applied for a 90 day XXXX XXXX  XXXX card for {$420.00} purchase XX/XX/XXXX. 

First Billing in XX/XX/XXXX showed a fee for {$7.00} I called the company on XX/XX/XXXX at XXXX XXXX to inquire. 

I was told the fee was for a credit card protection program I advised I did not enroll in any credit protection program I was told " You were approved at time of credit application and you had to opt out or physically decline the coverage in order to not be billed for it '' I believe that automatically enrolling consumers in any type of purchase program be it insurance or rewards or anything that incurs a fee is a violation of one or more types of consumer protection laws. 

E.G. Along the lines of XXXX XXXX issuing cards without consumer request I believe this company includes a fee based credit security program on all online credit applications and the onus is on the consumer to find it and deselect. The fees are small and the company hopes people are not paying attention and assume the fees are interest or other fees. 

The billing statement identifies the fees on page one as Credits, Fees, Adjustments ( net ) and this is not an obvious identifier to the average consumer. 

I am willing to bet that an inquiry into this companies most often complaints are the prepackaging of fee based products without explicit consumer approval. 


My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX The Bank is Synchrony Bank XXXX XXXX XXXX XXXX, Fl XXXX XXXX Note : My fees have been refunded but my inclination is to believe this company puts this product on every single credit application received in advance and hopes consumers wont notice. There is a clear pattern here from Consumer Finance companies in the XX/XX/XXXX and on. Please take a look.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Dispute of Incorrect Late Payment Report Application of CARES Act Protections Dear CFPB Representative. 

I am writing to formally dispute an incorrect late payment report on my credit history, recorded as 30 days past due in XX/XX/XXXX by XXXX This negative mark has significantly impacted my credit score, and I believe it was erroneously reported under the provisions of the **CARES Act**. 

During the XXXX pandemic, I reached a payment accommodation agreement with XXXX XXXX due to financial hardship. According to Section 4021 of the **CARES Act**, if a consumer was current on their account before entering a forbearance, deferment, or other accommodation, the account should continue to be reported as current, provided the agreed-upon terms were met. My account was current before requesting and receiving this accommodation.

However, my credit report reflects a XXXX-day late payment in XX/XX/XXXX, despite my compliance with the agreed accommodation terms. I have attached supporting documentation, including my agreement with XXXX and relevant payment records, to demonstrate that my account should have been reported as current. 

I kindly request the following corrective actions : 1. **Investigation and Removal of the Late Payment** Please review my case and instruct XXXX  to correct the inaccurate reporting. 
2. **Updated Credit Report** Once the correction has been made, I request an updated credit report reflecting the accurate information.

I appreciate your prompt attention to this matter, as this incorrect report is negatively affecting my financial standing. Please confirm receipt of this dispute and provide me with updates on the investigation process. If you require additional documentation or information, do not hesitate to contact me at XXXX or XXXX. 

Thank you for your time and assistance. 

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

I recently realized my identity had become compromised and that I had become a victim of identity theft. I reached to all three of the major consumer reporting agencies to file a dispute an to submit an identity theft report as instructed by my local law enforcement agency. I included a copy of my drivers license, utility bill, and social security along with an updated copy of current address, name, and etc. I also was sure to include in the identity theft report a list of the fraudulent addresses associated with the fraudulent accounts to make sure the were removed from my credit file. Some of the accounts in question, being the identity theft report would only allow me to list 5 are 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX  # XXXX, 3. XXXX # XXXX, 4. XXXX XXXX XXXX # XXXX, 5 XXXX # XXXX. I received a notice from Experian Report # XXXX stating they were not able to honor my request due to my request was made in error, misrepresentation, or I obtained possession of goods, money 's, or services. This highly unacceptable when Experian has no proof nor has provided any nor accurate verification period. Anyone who would have access to my personal information would be able to fraudulent open or establish accounts in my name. Experian has violated the Fair Credit Reporting Act sections 605b, 609, and 611. I have sent Experian more than enough of supporting documentation supporting my claim and yet these fraudulent accounts sill remain on my credit file. My consumer rights have and continue to be violated, not to mention denial of credit from creditors continues to be an issue.
Product: Debt collection

On XX/XX/XXXX ProCollect received an account from XXXX XXXX Apartments for a collection account in my name with a balance of {$7400.00}. 

Since this date, I have tried numerous times to validate the debt. This includes, but not limited to : 1. Sent requests directly to the collection agency for debt verification, debt validation, and legal right to collect the debt ( including State License to act as a debt collector ) 2. Sent requests to the credit bureaus asking for the same aforementioned information. 

ProCollect has failed to provide documentation under the FCRA, so much so that I filed a complaint against ProCollect to the CFPB. 

On XX/XX/XXXX I submitted complaint ID : XXXX to the CFPB stating the issue at hand with the debt verification, methods of validation, and legal right to collect on the debt. They responded with : " Procollect received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$7400.00}. The consumer 's dispute has been noted and the account has been updated. Procollect will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this XXXXy have caused. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to infotocollector@procollect.com or fax XXXX. The consumer may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. Thank You '' Upon further review recently after submitting another complaint to the credit bureaus, some new information has come to light in regards to ProCollect. 

On XX/XX/XXXX the Department of Finance for the State of Idaho received a complaint from a resident about illegal debt collection practices from ProCollect. The Department of Finance issue a lawsuit against ProCollect ( XXXX : XXXX ) for acting as a debt collector without the proper state licensing. 

An active Cease and Desist was issued and served on XX/XX/XXXX advising ProCollect to cease all debt collection actions until proper state licensing can be obtained. 

ProCollect was actively purchasing debts in the State of Idaho before they received their State Licensing. This is also true in the State of Connecticut. 

As mentioned previously, ProCollect first reported to the credit agencies on XX/XX/XXXX, but did not obtain State licensing until XX/XX/XXXX. 
ProCollect has failed to uphold the FCRA by : 1. Not obtaining licensing when required 2. Harassing phone calls 3. Did not send proof of debt upon purchase of debt 4. Did not provide verification of debt, validation of debt 5. Reporting inaccurate information All these corrospodances have been documented with receipts, times, dates and outcomes. 

These complaints come with notice of intent to sue for illegal and malicious debt collection practices if the desired resolution is not met.
Product: Mortgage

Loan # XXXX Bank of America stated in the deed in lieu foreclosure agreement on XX/XX/XXXX that if I complied with all my responsibilities under the terms and conditions of the deed in lieu agreement I would receive {$2000.00} to assist with moving, rental and relocation expenses with 10 business days after Bank of America received the signed transfer of title. I complied with the move out agreement and moved out of XXXX XXXX XXXX XXXX, OH XXXX on XXXX XXXX. Bank of America verified that the property was vacant on XX/XX/XXXX and that the condition of the property was clean swept. I never received {$2000.00} or any assistance from Bank of America even after many phone calls and letters. The title was finally transferred to HUD on XX/XX/XXXX.
Product: Debt collection

In XXXX Mountain Land collections agency in XXXX XXXX UT, XXXX the debt collector told me that my ex husbands medical debt was mine and if I didnt pay it will affect my credit, garnish my wages, take legal action. The debt was acquired by my ex husband in XXXX of XXXX and I have a divorce decree stating that we were separated XXXX of XXXX. He got disrespectful multiple different times and got me to sign an agreement for monthly payments with the collection agency which included my ex husbands debt. After numerous requests to remove the debt from my account they refused. They also have taken my monthly payments to pay off my ex husbands accounts first even though it was requested to pay off my accounts first. In XXXX of XXXX they withdrew double payments from my bank account without authorization to do so.
Product: Credit reporting or other personal consumer reports

This company has failed to comply within the required time allowed by law. XXXX XXXX is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX due to the response I received. 

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. XXXX is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2019, I was scammed of {$150.00} through XXXX. I tried to buy concert tickets and the person wanted payment through XXXX. I did not think anything bad of it, especially because I have sold tickets the same way. Her name is XXXX XXXX. Phone number XXXX ( XXXX ) XXXX-XXXX  and email XXXX XXXX
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from AMSHR/XXXX XXXX I cant say this more emphatically, I have never had a AMSHR/XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled  to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit card

On XXXX XXXX I was the victim of a crime, a cyber crime, a federal grant scam. 
On XXXX XXXX I called Capital One to report the fraud. 
They because it involved a cash advance I could not dispute the charge. 
But that I should report it to the local authorities. 
I proceeded to report the crime to XXXX XXXX XXXX XXXXThe FBI XXXXThe XXXX Oregon Police Case XXXX Fraud Department case XXXX XXXXThe Better Business Bureau XXXX The Attorney General and the Consumer Financial Protection Bureau XXXX 
At this point and on XXXX XXXX I called Capital One again and gave them all this information. 
They however still maintained that it was a crime, because I withdrew the cash advance I could not dispute the charge. 
They did agree to waive the {$25.00} daily interest fee on the cash advance. 
But that I should communicate XXXX 
I did and they thought there was some insurance that might cover this incident. 
Especially since it happened while I was traveling. 
The sent me to the FTC.gov and my case there is ref # XXXXThey said it would be Capital One who would be the one to remove the fraudulent charge. 
They said to contact the XXXX Division of Capital One. 
When I did that they said there was no such division and sent me to a supervisor named XXXX. 
He maintained that a cash advance can not be disputed. 
He also saw no promise the {$25.00} daily interest fee would be waived. 
I am a senior citizen who was taken advantage of and Capital One continues that chain of abuse. 
Please help me convince Capital One that I was robbed, even tho it was infact me who withdrew the money ; I 've never taken a cash advance before in my entire life and only did so because I believed wholeheartedly that I was the recipient of a federal grant and would be able to pay off the credit card immediately. 
Yes, I sent the crooks {$800.00} but with the huge interest fees my loses may exceed {$5000.00} if Capital One will not permit me to dispute the initial cash advance XXXX XXXX. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I sent a letter to this credit repository to request an investigation on State Tax Lien ref # XXXX. On my letter, I informed this company that, " Verified with the court that this item has been withdrawn last XX/XX/XXXX. Also verified that my SSN nor my date of birth is not by any means linked to this items. Your records are incorrect and unverifiable and per the XXXX XXXX XXXX XXXX, this item should have been removed last XX/XX/XXXX. ". Upon checking on my credit report today, XX/XX/XXXX, the incorrect item is still reporting. XXXX and XXXX are reporting the same incorrect lien and I sent both of them a dispute letter also on XX/XX/XXXX. BOTH XXXX AND XXXX  DELETED THIS INCORRECT LIEN. What makes this valid? What investigation process did this company do? Why would the other bureaus delete an incorrect information and this company did not? This a violation of FCRA. The date shows on my credit report as XX/XX/XXXX, proof no investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it while doing other things online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the other dispute on my account. Bank of America did resolve my fraud charge claim. I was told last week by XXXX XXXX that Bank of America would call the XXXX credit bureaus to correct my credit report. I called both XXXX and XXXX and they have not heard from Bank of America. I have been told by legal advisors that it is Bank of America 's responsibility to fix this problem. Please refer to the cases that are now closed for more details. Received letter that Bank of America has resolved my issue with them just need them to do what I was told that they would do.
Product: Debt collection

XXXX XXXX XX/XX/XXXX. O was in an abusive relationship that resulted in all of my possessions being stole and there is a report at XXXX  a police Department in New Jersey as proof. And later being placed as identity theft and legal action were taken place leading to a restraining order on the one accused. Still to this day, marking XX/XX/XXXX, XXXX XXXX ( {$190.00} ), CONTINENTAL FINANCE ( {$700.00} ), XXXX ( {$200.00} ), are sending debt collectors and fails claims that I applied for something new. Please help me make it stop and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to experience gross negligence I have 90 inquiries on my Experian report on XX/XX/XXXX I was looking through my credit report on experian.com and found 90 inquiries and a whole bunch of accounts that don't belong to me I tried to dispute them but they refuse to dispute called customer service and all they did was stall tactics I called him at XXXXXXXX XXXX. On a Saturday the stall tactics are so frustrating that I had to come here
Product: Debt collection

Citibank automation called me and it was difficult to get to a person. The recording said that I owed money and this was an attempt to collect a debt. I pressed 0 repeatedly and finally got to a person, XXXX ( agent ID # XXXX call back # XXXX ) from Citibank collections. She didnt know anything about the debt and could not locate any information. She said no manager was available. I asked her to document that I wanted no more phone calls from Citibank. After 30 minutes of my time waiting she told me I owed {$38.00} and she finally notated my account so that I would not receive further calls, she said. XXXX then told me that she would transfer me to customer service to resolve the debt claim and I waited on hold another 11 minutes and then was disconnected with no resolution. 

In XXXX I was visiting XXXX XXXX where there was a Citi branch and I went in to pay the existing Citibank credit card. I was told that I could not pay for the credit card in cash unless I had a bank account with Citi. I asked if I would be able to deposit money in the ATM to the account as I did not have Citi branches near me at my address that Citi already had for me on my credit card. I was told that I could. So I opened a savings account to be able to pay the credit card. Then Citi changed my address on file. I did not get the ATM card for a month because they changed my address on file. When calling I told them I needed a card to make a cash deposit and verified again that I could do that. I was told that as soon as I had the ATM card that I could make a deposit. I could not. I called them when I got the card and it didnt work. They spent time trying to find a branch near me. I said that I just needed an ATM that would take deposits and they said that they did not have that anywhere near me. So I said I didnt need the account as I couldnt use it. Citi did not close the account. They charged me monthly service fee of {$38.00} ( According to XXXX as I can not see it in writing ) for a savings account an did not send me notice of this. 

Citi compounds their customer service problems by having a website that it is perennially showing this notice when I sign in : 'Were experiencing a temporary technical issue. Please try again later. ' Further, when I can log in I can only see my credit card and never was able to view the savings account under my Citi accounts. 

Citibank is extorting slave labor from its customers : forcing us to use our time, phone, computer, other equipment, education, and skills to defend ourselves from attacks on our reputation and credit to escape Citibank 's unscrupulous business model dependent on fees for illegitimate bank accounts that don't work. 

So how do I resolve this attack from Citibank? keep calling them in the hopes that they will stop trying to extort my time and money? There is no accountability for these harassing tactics of Citibank that extort my time, talent, labor, and resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.