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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefor
e made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned thing. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) ADS-COMENITY-ULTA XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages. Thank you for your attention to this matter
. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This is my Fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Im having issues with Coinbase. My account has been locked since XXXX Im not receiving any response from them after numerous contact. I received a push notification from them about my account been compromised on that day. 

Also a {$1000.00} was withdrawal from my bank account on XX/XX/2021 ... Im working with my bank to resolve that issue. 

I want Coinbase to contact me and unlock my account. 

Thank you
Product: Money transfer, virtual currency, or money service

I was paid for a service and/or services in the months of XXXX of 2020. I had a buisness account with this company. I was also a XXXX. I was covered as a XXXX, however some of the digital services i offered were not. This company asked me provide info for certain transactions. I had provided this exact same info in the past a few different times. This last time my account was closed due to SUSPECTED fraudulant activity. I was never given a description on how, what or who was involved besides myself. I, however, provided all of the requested info, which they already had. I feel i should have been given an explanation on this activity. If there was any fraud involved it was not on my part, in which i was covered under my XXXX  account. I feel this was highly unfair. Never had any of these problems with this company before.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Consumer Loan

I co-signed a auto loan for my cousin. After 6 months she refinanced the vehicle. I was told everything would be taken care of. She refinanced and one day I get a call saying that the car note is late. I was shocked because I thought she 'd refinanced. So the truck was repossessed and now it 's on my credit report.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/19 Balance {$2200.00} ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/19 Balance {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX  disclosed a collection agency by the name of AFNI, INC reported a debt the month of XX/XX/2020 on my XXXX credit report but it shows the account opened XX/XX/2020 ( via XXXX  ) without written notification about the debt which was previously deleted and is now re-aged. I also initiated a dispute XX/XX/2020 and the company has still failed to disclose the original documentation, bearing my signature, of this debt.
Product: Credit card or prepaid card

During our stay on XX/XX/2018 at renaissance, XXXX, NJ. Front desk manager name XXXX offered us $ XXXX points and that he would adjust the per night rates to the lowest rate to compensate the inconvenience caused to us by the hotel and room not being cleaned up to the standards. To this day neither the rewards points shows in my statement nor the charges have been adjusted. 

On a separate occasion during our separate stay at a different transaction and different property General Manager, XXXX XXXX sent me an email offering {$3000.00} point in my account in response to a survey I completed. These points havent been showing up on my account either. Copy of email attached.
Product: Checking or savings account

Request for Reevaluation of Disputed Transaction - Claim IDs : XXXX and XXXX I am writing to request reevaluation of a disputed transaction and to express my concern regarding the closure of my disputed transaction cases, specifically claim IDs XXXX and XXXX. Despite providing substantial evidence and documentation to support my claims, both cases were closed without proper consideration. 
The first claim, initiated on XX/XX/2024, under Claim ID XXXX, was opened to dispute a transaction made on XX/XX/2024 in the amount of {$2000.00} after not receiving the credit I was promised on XX/XX/2024 and contacting the merchant several times with no resolution. The merchant acknowledged the return and issued a refund, as per the receipt issued on XX/XX/2024. It is important to note that the merchant 's return policy clearly states that returns are accepted within 30 days. 
To my disappointment, the first claim was closed without any explanation or consideration of the supporting documentation provided. Subsequently, on XX/XX/2024, I called Bank of America to inquire about the closure of the initial claim. I was informed that an error had occurred, leading to the creation of a new claim under Claim ID XXXX. 
Regrettably, the second claim, along with the additional supporting documents I provided, was promptly closed without proper review or consideration. This lack of attention to the evidence undermines my confidence in Bank of America 's dispute resolution process. 
Attached to this letter, you will find the supporting documentation that was not considered during the recent claim closures. These documents serve as clear evidence that the item in question was returned within the designated time frame, and a credit of {$2000.00} is rightfully owed to my XXXX card ending in XXXX, which is linked to my Bank of America debit account. 
Considering the existence of two separate claims and the attached strong evidence, I kindly request that Bank of America reevaluate both cases, under Claim IDs XXXX and XXXX, and provide a detailed explanation as to why they were closed without proper consideration of the submitted documentation. It is essential that my concerns are addressed, and a fair resolution is reached. 
Furthermore, I would appreciate a clear explanation of the steps taken during the initial investigation, as well as clarification on how the supporting documentation was evaluated. If any additional information or documentation is required, please let me know promptly so that I may provide it to facilitate a thorough review of my cases. 
I look forward to your prompt attention to this matter and a fair resolution. Should you require any further information or clarification, please do not hesitate to contact me at the provided email address or phone number.
Product: Checking or savings account

I opened a " High Yield Savings '' account at Synchrony bank on XX/XX/23. I funded the account via an ACH pull transfer into my Synchrony account from an external account I held at another financial institution. I submitted the ACH request at Synchrony on Wednesday XX/XX/23. The funds were withdrawn from my external account on Thursday XX/XX/23. The funds should have been received and posted to my Synchrony account on Friday XX/XX/23, yet the funds were not posted until Monday XX/XX/23. Synchrony did not credit me interest for the period between XX/XX/23 to XX/XX/23. 

I called Synchrony and asked for the missing interest to be credited. They refused. They claimed that ACH deposits can take up to 3 business days. I told them that XXXX, the institution which manages the ACH network, told me the transfer only takes XXXX days and that based on the dates I conveyed to them the funds should've reached Synchrony on XX/XX/23. XXXX also indicated that financial institutions who participate on the ACH network are required to post funds on the day they are received. I asked Synchrony to provide me a copy of the ACH transaction log, which includes the relevant dates including date of funds receipt, a log which XXXX told me is available to financial institutions. Synchrony refused to share the transaction log for my ACH transfer.

Here is the relevant funds availability clause from Synchrony 's account agreement : " Funds from ACH deposit transactions that we originate for you will be available for withdrawal on the fifth Business Day after the deposit has been credited to your account if the deposit is the initial deposit to your account and on the third Business Days after the deposit has been credited to your account for subsequent deposits to your account. If you register your external account with us and complete the Banks random payment verification process for that account, funds from all deposits from that registered external account will be available for withdrawal on the Business Day that we receive the deposit. '' Source : https : //www.synchronybank.com/documents/account-agreement.pdf I registered the external account on XX/XX/23 and entered the ACH random deposit amounts into my Synchrony account on XX/XX/23, after which the external account was marked verified. I initiated the ACH pull transfer using that verified profile the same day. In other words, I satisfied Synchrony 's stated requirement for funds being available " on the Business Day that we receive the deposit ''.

Based on my online research many other account holders at Synchrony have experienced similar delays in deposit posting and missing interest accrual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from XXXX XXXX with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed. 
I am at my wits end!!! 
Please help
Product: Mortgage

XXXXAMERISAVE MORTGAGE CORP made a Mortgage Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. I can sign in to Amerisave and see my SS # and I didn't give out my SS # to XXXX XXXX.
Product: Checking or savings account

I was a SIMPLE by XXXX customer and during the transition I now can not access my bank account, get hung up on by customer service. I cant transfer money either or see how much money I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent. 

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with Transunion, XXXX  and XXXX.
Product: Debt collection

National Credit System Account number XXXX Is reporting inaccurate accounts to XXXX and XXXX credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!
Product: Credit card or prepaid card

About 14 years ago, I deposited {$600.00} for a secured credit card with US Bank. I have been using this card ever since until XX/XX/XXXX when I called the bank and informed them I wanted the account closed and my deposit refunded. To my surprise the bank informed me that my card wasn't secured anymore and was operating as a normal credit card. US Bank claimed to have refunded me the money back in XX/XX/XXXX. I am adamant that no refunds were ever received from US Bank. I then requested documentary evidence or a paper trail that clearly shows a check from US Bank or funds were deposited in my account. 

The bank is unable to provide any evidence citing an obscure law that allowed them to destroy banking records after 7 years. They request that I take them at their word and they got no reason to lie to me. I find this very insulting. Its a brazen attack on my intelligence! I called the bank again today XX/XX/XXXX to no avail and spoke with XXXX in Underwriting. 

I also left a message for a manager called XXXX and she called me back stating her agreement with what previous employees had advised me. They stated my only other hope is to write a letter to their US Bank President or send fax. The President cant be reached by email or phone. Their goal is to make it harder for consumers like me to get their issues addressed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX in regards to a care credit credit card ; the company is claiming there is an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX, 2017. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you