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

RE : Synchrony Bank, and " nefarious enrollment practices. '' In XXXX I opened a Synchrony credit card account at my dentist office. It was explained to me, by the staff at the Dentist 's office, that I could pay my bill with a synchrony credit card, they could open the account for me. This account, they explained, would allow me to make a monthly payment on the loan which would be interest free for 18 months. 

Once I was signed up, Synchrony give me a minimum monthly payment, {$100.00}, and said - the website said - that as long as I paid it regularly without missing a payment I could maintain the interest free promotion. For 18 months I made this a payment every month and had no interest on my loan. 

In XX/XX/XXXX the balance was {$620.00}. 

That was the end of the promotion. 

I just now realized at the end of the promotion, Synchrony did not start charging me interest on the remaining balance. 

They retroactively charged me interest on the entire 18 months Ive had a balance. {$890.00} in one single charge for back dated interest.

At no point in the process of my enrolment was it explained or suggested that the promotion was a countdown -- you had 18 months to pay off the loan, after which you would have to pay interest on the loan from day 1.

I thought I would start paying interest on {$620.00} but I was charged for the entire loan ( I think it was XXXX dollars but I don't have that information right now ). 

I called the bank and spoke to a customer service representative, she then put me in touch with a manager. His name is XXXX, when he explain the situation to me I was so flustered I neglected to write down the exact word used for this retroactive charge. It was not backdated. '' But it was a similar sinister and deceptive phrase. Alarming! 

I inquired where the bank was located and XXXX said, or CLAIMED I should say, that the bank had no physical presence. When I asked where it was incorporated he said that there was no actual physical place where the bank could be contacted. This alone is clearly a falsehood. The bank is headquartered in XXXX Connecticut. 

I see from XXXX that an earlier incarnation of the bank was caught in just such shady practcies : " the U.S. Consumer Financial Protection Bureau and the Department of Justice reached a {$220.00} XXXX settlement with the company after it entered into a consent decree with the Consumer Financial Protection Bureau. The settlement stated that while operating as GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices, primarily surrounding nefarious enrollment practices for add-on programs such as financial hardship relief. '' The entire press release from XXXX is attached. 

I am writing to complain about a " nefarious enrollment practice, '' circa XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the XXXX Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Mortgage

I just received notice that my mortgage is being sold by Stonegate to XXXX as of XX/XX/XXXX. I have read reviews of XXXX which make them look crooked and fraudulent. There is not one good review. I take pride in my credit and am very uneasy about this. Is there anything I can do to prevent this sale?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

This debt has been charged off and reported to the IRS as loss income however, I have not received a 1099-C form, which is considered fraud. Furthermore, I requested the original signed account agreement which Portfolio Recovery does not have. Therefore, they can not substantiate this alleged debt, which they are reporting to the credit reporting bureau as being in collections, leaving an adverse remark on my credit report.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was a hard inquiry added to my report for a mortgage loan.I was at home when i received the alert. I have never inquired about a mortgage loan. I would like to get this removed from my report as it is incorrect or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Before federal student loan repayments resumed post-covid, I applied for the SAVE program, and was accepted with a monthly payment of {$0.00} due to my financial circumstances and birth of my child ( dependent ). 

I have repeatedly been emailed about missing payments. I called several times and asked them to adjust my payments to reflect my SAVE program, and was told that MOHELA was evaluating the plan. 

In XX/XX/2024, they called me due to missed payments, and I explained the situation again, and the rep put me in administrative forbearance, yet I still continued to receive emails about missed payments. 

I should have {$0.00} payments now, and be working towards forgiveness, but MOHELA is not processing my new payment plan.
Product: Debt collection

2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past Ohios 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.
Product: Credit reporting

There are reports over 10 years that have not been deleted as of today. the Credit companies Equifax , XXXX XXXX, XXXX have not replied to my queries.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX pulled my consumer report on XX/XX/2023 and noticed Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove XXXX will sanction legal action for remedy. 

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA In major accordance with the Fair Credit Reporting Act. The accounts that I have listed below has disgracefully violated the Credit repair consumer rights that are legally mine via the United States Government. These accounts have violated my constitutional right ( 15 USC 1681 ) due to its invasion of my privacy and confidentiality. 

I have for a numerous amount of my time disputed these accounts via XXXX, Experian, and XXXX : I request documentation as well from these companies stating the information that is being reported to the credit bureaus because I am not aware of these accounts nor have I received documentation. 

Charged Accounts Reported Inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD Inquires I do not recognize and didnt apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ONLY NAME IS XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX ARE ALL INCORRECT AND SHOULD BE REMOVED I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX I ask that these incorrect addresses are removed as well
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX LVNVFUNDG XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Its been over XXXX  days and the creditor XXXX XXXX XXXX Account # XXXX has not updated the information nor has provided proof or documentation in regards to late payments they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had XXXX  days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

XXXX claims there was a account opened on XXXX XXXX, 2020, these accusations are false.
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 : DEPTEDNELNET Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 item
s of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The Experian web site is not consumer friendly and very misleading. 
When my new credit card arrived from XXXX XXXX it contained a notice with my credit score from Experian dated XXXX/XXXX/2016. The enclosed note also had instructions on how to obtain a free copy of my credit report. It had mentioned it was federal law that I can obtain my credit report with 60 days of that notice from XXXX XXXX. 
So I followed the instructions and went to XXXX. 
The landing page steps me through a set of questions that strongly implies I have to pay for my report if I was not declined credit. So I went back to the main landing page and looked very carefully at all the words on the page. In very small letters at the bottom of the page there was a link to another page that explains the federal law and the free credit report. Complaint # 1 : the hiding of the free report is clearly not consumer friendly. 
Complaint # 2 : When I clicked on the link for the instructions to get my free report, the page was not available - implying the service was down or not available. I had to come back a few times for the page to render properly and display the instructions. The link I used is below. 
XXXX
Product: Money transfer, virtual currency, or money service

Hello - This complaint is in reference to my account with Coinbase. I have several thousand dollars invested in Bitcoin ( BTC ) via Coinbase. I bought in several months ago, and have done well. 

I attempted to sell off my Bitcoin on XX/XX/XXXX ( at its height, approximately $ XXXX/BTC ).  However, I was prevented from doing so, due to Coinbases horrendous 'identity verification ' system. 

When I try to sell anything over {$5000.00} worth of BTC, Coinbases system requires that I enter various personal information ( name, address, profession, employer, etc ), and then answer several multiple-choice questions related to my past/ID. All of this is apparently checked against whatever ID data they relate to me, so as to verify my identity. 

Well, every time I do this, always entering the correct information, Coinbase claims that my answers are incorrect, or that my ID ca n't be verified, and to try again in one day. I 've been doing this daily since XX/XX/XXXX. 

One thing of note ; on several occasions, the multiple choice quiz included info that is clearly related to my Father, and not me. I am a XXXX, so they may have data that is conflated with my Father 's - in which case, there is no way I can ever be verified, and therefore, can never get my $ out of Coinbase ... 

So, a couple weeks ago, I found that Coinbase could verify my ID via a photo of my Drivers License. So, I did this. And, Coinbase claims that my ID has now been verified via my Drivers License. HOWEVER, it still requires that I do the same ID verification if I want to sell any significant quantity of BTC. So, I have no idea what the issue is. 

I have managed to sell as much BTC as Coinbases system allowed ( approx. {$4500.00} worth ). But, I can not seem to find any way to sell any more, and I have approx. {$10000.00} still locked into their system due to this ID verification issue. 

I have contacted Coinbase, insofar as they are contact-able. I 've used their support system, so far getting only automated, useless responses. I 've searched online for solutions, and it appears that many people have encountered the same or similar issues, none of which can offer any solution but submitting complaint to CFPB and/or legal action ... 

So, any help on this issue would be appreciated - all I want to do is sell my remaining shares of BTC, just to get my $ out of this buggy system. I obviously am quite angry about the fact that I have lost out on significant profits, since I correctly guessed the top of the BTC surge, but was hampered from harvesting those profits by Coinbases horrendous ID verification system.

BTW - My Coinbase account is associated with my email address, and they can find me using that. 

Thanks.
Product: Debt collection

I feel that the debt is not valid, I do have an open account with the credit card agency, this one is a notification that there was a debt for a separate credit card from 2011, I did not have a credit card with that agency in 2011