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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

Upon reviewing personal credit report, found entries from Capio Partners. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. 
But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. 
The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy. 
15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission. 

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX XXXX. Account XXXX : XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS  TO BE REMOVED XXXX XXXX  XXXX Transunion Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act DISCOVER FINANCIAL SER 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account that is not mine and I have disputed this before with my proper identification and it was removed but returned. Im in the process of buying a home and when i realized that my score dropped, it was this again.The following accounts are convergent outsourcing, inc. for {$1200.00} and the other is XXXX XXXX XXXX with a credit limit of {$300.00}.
Product: Credit card

Account # : XXXX Description of the Issue For most of XXXX, I have experienced unresolved issues with the online interface for my PayPal Cashback Mastercard account. Despite repeated attempts to address these problems directly with Synchrony Bank, including letters sent on [ initial letter date ] and XX/XX/year> ( both confirmed received by Synchrony ), the following issues persist and have escalated : XXXX. Online Access and Notifications : o I have been unable to access my online account to view statements or manage transactions effectively.

o I no longer receive purchase or charge notifications for my card, leaving me vulnerable to fraudulent activity. 
XXXX. Failure to Resolve Issues : XXXX  Synchronys response to my initial complaint was unhelpful, merely directing me to the website without addressing the actual problems. 
o Despite confirming receipt of my follow-up letter on XX/XX/year>, Synchrony has not provided any resolution or substantive response. 
XXXX. Failure to Deliver Statements : XXXX  As of XX/XX/year>, I have not received my monthly statement via mail. This is unprecedented in the seven years I have held this card. The delay is unacceptable, and I now face additional challenges in managing my account and making timely payments.

Impact on Me Increased Risk of Fraud : The lack of purchase notifications makes it impossible for me to monitor transactions in real-time, exposing me to potential unauthorized charges. 
Disruption to Financial Management : Without online access or mailed statements, I can not effectively track or manage my account.

Stress and Inconvenience : Synchronys failure to resolve these issues has caused significant frustration, wasted time, and undue stress. 
Attempts to Resolve Initial Complaint : I contacted Synchrony multiple times throughout the year to report the issues. 
Follow-Up Letter : Sent on XXXXXX/XX/year> and confirmed received by Synchrony. No resolution or acknowledgment of the specific issues has been provided.

Resolution Sought I request the CFPB 's assistance in compelling Synchrony Bank to : XXXX. Resolve All Technical Issues : Restore full functionality of the online account interface and reinstate notifications for purchases and charges. 
XXXX. Reinstate Mailed Statements : Ensure timely delivery of all future statements. 
XXXX. Compensate for Damages : Provide compensation for the disruption, increased fraud risk, and stress caused by their inaction. 
XXXX. Provide a Clear Timeline : Outline a timeline for resolving these issues to avoid further delays. 
Supporting Evidence I can provide copies of : Letters sent to Synchrony in XXXX and XX/XX/scrub>11/23/2024. 
Synchronys confirmation of receipt for the XX/XX/year> letter. 
Records of previous attempts to resolve the issue through customer support. 
Thank you for your assistance in addressing this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$13000.00}.
Product: Credit reporting or other personal consumer reports

You are over 90 days past the legal time frame to fix the issue.

See attached Affidavit and Proof. Official documents with signed & notarized Affidavit has been sent via certified mail with tracking as of XX/XX/2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, XXXX, and Transunion regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX  XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX   has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX  failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : XXXX
Product: Checking or savings account

I was scammed by a company called XXXX. I purchased XXXX hours of cleaning. They performed 2 hours of cleaning and promised to reschedule the other. Each time they would reschedule, they cancelled. After several times over the course of 10 days of them cancelling these rescheduled appointments, I told them to cancel my account. Because I cancelled the account, I was charged {$120.00} cancellation fee. 

I called Discover Bank about this scam. The first representative hung up on me after I told her I wanted to hold for a manager. I called back and got the same representative again and immediately requested that she transfer me to someone else. Once transferred, the second rep told me that Discover Bank does not investigate or cover scams. She suggested that I keep trying to work with XXXX for a refund. 

XXXX does not have a telephone number to call. I have been emailing them continuously and they refuse to issue a refund. I offered to send Discover Bank the emails so they can see that I was scammed and this is a fraudulent charge and they said it didn't matter what the email said because they do not investigate scams.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I got scammed out of an apartment on apartment guides.com. I reported it to Cash app. They did not look at any of my evidence and gave the money back to the Scammers without checking anything!
Product: Credit reporting or other personal consumer reports

All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for Mr Cooper thier private email messaging system is so they can hide the truth and not investigate anything.
Product: Credit reporting or other personal consumer reports

I was in XXXX XXXX which whom l have a cc with and issuing bank is a XXXX Bank. I was in XXXX XXXX on XXXX and was offered a credit increase but was denied from XXXX credit bureau. XXXX days later l received a letter via email from XXXX bank with my XXXX XXXX card stating they had pulled my credit report from XXXX and deceased my credit limit with XXXX cc. I immediately notified XXXX Bank XXXX XXXX # XXXX ) asking why did they pull my credit report because it was unauthorized. XXXX filed a complaint and explained she didnt know why XXXX Bank XXXX with the account being so new. In XXXX Bank XXXX agreement page XXXX it only states they can increase/ decrease cc limit ONLY. They have violated my rights as a consumer via the CFPB rights 15 USC 1681b Permissible purposes of consumer reports. I did not authorize this report. Its damaged my fico score and denial of credit. XXXX bank took upon themselves because l ask for a credit increase on XXXX and was denied to evaluate my other account with them and this is unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This company ran hard inquiries on my XXXX  credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.
Product: Checking or savings account

I transferred $ XXXX to my XXXX XXXX XXXX bank account on XX/XX/22. IT was approved and moved from my Wells Fargo account on XX/XX/22. After that point, I made nor authorized any further transfers from my wells Fargo account to my XXXX XXXX account. My Bank account XXXX after the approved and authorized transfer, made at my request, was approximately {$6900.00}. On XX/XX/22 Wells Fargo made two separate $ XXXX " transfers '' to my XXXX XXXX account. However, XXXX XXXX XXXX account shows zero pending transfers and zero transfer requests. My account balance on the night of XXXX was approximately negative $ XXXX. I called and tried to tell them I didn't authrozie or make these transfer requests. They told me all they could do was put in a claims dispute. 

On XX/XX/22 I went to a Wells Fargo Bank Branch. They had no record on one of the two $ XXXX transfers and no record of the negative balance in my account. My account now had a balance of XXXX and a plethora of overdraft fees ( which may or may not be waived depending on their investigation ). They told me they can not help me, they can not offer me a line of credit while I wait for their error to be resolved, and that all I could do was keep calling the XXXX number for updates. I Called the XXXX number again, and they told me they can not do anything to expedite the process, and the only way I could get updates on the claim was to constantly call the XXXX number or to wait for US postal mail to arrive at my house. 

I have XXXX ( or negative ) dollars in my account, with no relief, no customer service, and no answers. The best case scenario is I get my money and NO compensation after waiting for them to decide if they can do their due diligence in a 10-day period.
Product: Mortgage

I bought a house on closing date  XXXX / XXXX / XXXX . On  XXXX   XXXX  I received a collection letter from the HOA itemizing amounts due related to the acquisition of my home. Amounts due are  : 1. Asso transfer fees {$200.00} 2. Adopt School Program {$400.00} At the time of the closing the title company presented a HOA Statement ( for  which I paid {$250.00} ) dated  XXXX   XXXX ,  XXXX . Such statement disclosed a transfer fee of {$170.00} and recurrent annual payment of {$810.00} for annual assessment and {$140.00} for bulk service. The  Asso Transfer fee and the Adopt School Program were not disclosed. As part of the closing process I settled the amounts disclosed in the received certificate. The Title company remitted the amount to HOA and the chec k was cashed in  XXXX / XXXX / XXXX .     After receiving the collection letter I contacted the  Tittle Company which provided both evidence of the check cashed and the copy of the certificate detailing the {$170.00} ( the fees related to this complaint were not disclosed ). The HOA initially stated that they can not explain why I was not notified before or why the certificate I paid for was not correct but that the amount was owed as stated in the Corporate Governance documents. After couple of calls and inquiries to HOA I opened a quality ticket. The HOA contacted me and send me a certificate disclosing all amounts due. When I sent over the certificate that I had they allegedly did some internal process and found out that the certificate I received was incorrect and that on the same day ( some minutes later ) they properly sent out another certificate to the Tittle Company.  Please note that apparently no additional due diligence was done on the side o  f the HOA to make sure the Tittle Company was considering the correct certificate.
Basically HOA is stating that I must pay the amounts and are clearly asking me what my intention is and that the amounts are owed as per the Governance papers. In the other hand, the Tittle company stated that they did their part collecting and remitted what was   requested as per the certificate. On  XXXX   XXXX ,  XXXX  I sent an email to  Tittle Company  requesting their action. A follow up email was sent on  XXXX   XXXX  and I visit their offices on  XXXX   XXXX  when the closing agent stated she will come back to me, she would request information from the  HOA and  she will verify with corporate if th e Apopt a Sch ool Should be considered a cost related to the transfer. She stated she will come back to me on  XXXX   XXXX . I followed up on  XXXX   XXXX  but not proper resolution or even an update has been provided as of today. Kindly refer to the attached email for more details about the related facts and my position regarding this matter. Im also including the documents I gathered from   both Tittle Insurance and HOA.
.     I kindly request your assistance o further review the underlying charges based on the below facts stated in the attached email and supported by the attached working papers.     Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX {$820.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$100.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Checking or savings account

I had 2 deposits for XXXX in my checking account on XX/XX/2023 that was on hold until XX/XX/XXXX and XXXX in my savings that was deposited XX/XX/2023 and was on hold until the XX/XX/2023 and once they both was available for use and then they restricted my account. Causing me to be homeless NEVER HAD A PROBLEM WITH MY DEPOSITS UNTIL I JOINED CHASE.HAVENT HAD ANY ACCESS TO MY MONEY OR NO MONEY goin on 3 weeks.