23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint against Synchrony Bank ( SYNCB ) regarding my XXXX XXXX XXXX XXXX, account number ending in XXXX. I received a notice stating that my account is several months past due and at risk of being charged off, with a balance that must be paid in full immediately if charged off. However, my primary concern is the excessive and harassing phone calls I am receiving from Synchrony Bank at XXXX. 
They call me nonstop, including before XXXX XXXX, after XXXX XXXX, and all day on Sundays. These calls occur at unreasonable hours and on days when I should not be contacted, disrupting my life and causing significant distress. Despite my attempts to address this [ optional : " e.g., by asking them to stop '' if applicable ], the calls continue without regard for reasonable boundaries. I believe this violates fair debt collection practices, as collectors are not allowed to contact consumers outside of XXXX XXXX to XXXX XXXX local time or harass them with excessive calls. 
I am requesting that the CFPB investigate Synchrony Banks collection practices related to my account. I am also concerned about the threatened charge-off and its potential impact on my credit report, especially given their aggressive and unlawful attempts to collect this debt.
Product: Checking or savings account

On XX/XX/2024, I got a notice from Chime Member Services that I had " just 1 step left to finish setting up Direct Deposit ''. The next email from Chime said- '' Account Password Updated '', and the next email said " Welcome to Chime ''. The next one after that ( email # 4 ) said- " You're one step away from XXXX XXXX ... '' One of the emails contained an account number and a bank routing number. The problem here is that I never signed up with Chime ( didn't even know who or what they were ) and never authorized any New Account with them. I immediately forwarded the email with the account info in it to their " XXXX XXXX XXXX', and they reverted shortly after with a message saying that " my account '' had been closed. What concerns me is that I do not know how much of my personal info was necessary and possibly used to open this fraudulent account in the first place, and think that Chime needs to vet their new account signees more thoroughly so this kind of fraud doesn't happen to others anymore.
Product: Checking or savings account

We were scammed for XXXX trying to purchase a puppy. XXXX I received a message asking if I was still interested in the XXXX XXXX XXXX, I said yes and I asked how much and where were they located and asked if this was for real and not a scam. He said it is 100 % real and the website looked completely real. ( XXXX ) ph # XXXX, XXXX Transaction # XXXX We went back and forth XXXX for dog and XXXX for shipping Total {$800.00}, we paid XXXX then would pay XXXX when received the puppy the following day. The next day I received an extensive email from XXXX Stating that in order to ship the puppy we have to pay {$1000.00} 100 % refundable insurance fee to cover the puppy and that when we received the puppy they would refund the money and I called the owner or pretend owner and he said yes this is legit and that he has used this company several times and they can be trusted. I told them all I could do would be by credit card. When I called to pay the person said when they ran my card it wouldnt go thru and that they were having issues with the card scanner and asked if we could XXXX it. I told them I dont have that type of cash and I told the owner that and he told me he would email them and asked if we could do {$400.00} XXXX and XXXX out the rest {$600.00}. So I XXXX them XXXX. 
XXXX Name : XXXX XXXX XXXX Transaction # XXXX After I sent it then they started immediately sending emails asking to send remaining and I kept telling them all I had was a credit card and then they sent a long email in detail how to go about using my credit card and turning it into bitcoins and to pay that way or go get a gift card. Thats when I realized it was a scam and I told them I dont feel comfortable with this and I wont be using theiXXXX XXXX I would like my money back and I never heard back from them. I then contacted the owner and told him and he said that it was basically my fault for doing as they asked and that I had better pay or ask friends to help me and XXXX the money if I wanted to see the puppy. I did call my bank right away they said it went through and there was nothing they could do for me as far as getting anything back and they would file a claim. But I more than likely would not get my money back. I then called XXXX and explained to them and they put in claim as well but could do nothing about the money we lost the most they could do is take them off of XXXX after an investigation. I did call our local police department and filed a report as well # XXXX with officer XXXX XXXX. I had asked this puppy owner at least XXXX about being a scam and explained how we had just put my dog down of 15 yrs few days prior. Each time he promised and trust him and we would receive the dog and gave us the tracking # and airport info and everything. I am very upset and that was a lot of money for nothing to be done at all This is not right and something should be done. Nobody wants to help
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inconsistent and only show on my XXXX and Experian consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney General-XXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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

On XXXX XXXX  I noted a late payment from XXXX XXXX XXXX on my credit report. I'd reached out to them to update this information a month ago. On XXXX XXXX XXXXXXXX XXXX XXXX company and Portfolio Recovery System continue to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to Veterans United Homes Loans, its not fair that XXXX are allowed to report this fraud against my Trust and Estate
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not knowledgeable about this, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following items : Account Number : XXXX ( Reporting on XXXX and XXXX ), and Account Number : XXXX ( Reporting on Equifax ) XXXX ( Same exact account information with two different account numbers ) I would like for you to have a copy of this document as well ( see attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. For starters, I have no idea why there are two completely different account numbers, but that is just XXXX example of my credit report reflecting inaccurate and inconsistent information. XXXX XXXX XXXX continues to falsely verify these accounts whenever I dispute them with the XXXX XXXX XXXX, -as well as yourself, the Consumer XXXX XXXX XXXX XXXX -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the XXXX XXXX Equifax XXXX XXXX, The Consumer XXXX XXXX XXXX XXXX XXXX well as myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes, which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed XXXX  XXXX XXXX XXXX report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Portfolio Recovery Associates above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether the account is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX XXXX to falsely verify as accurate. This has to stop!
Product: Checking or savings account

I was the victim of a fradulaent charge and scam through XXXX and XXXX XXXX. I had items listed for sale on XXXX XXXX. A buyer reached out to me and indicated that they wanted to purchase the item. They asked for the transaction to run through the XXXX XXXX  XXXX. I downloaded the app and set it up. The buyer indicated that they transferred the payment. I then received an email from XXXX stating that I needed additional funds to verify my account as the payment from the buyer came through as a business account. They stated I needed to transfer {$300.00} an the buyer needed to as well. The buyer sent me a screenshot of their banking transaction showing that they made the transfer. I then proceeded. After that was completed, I received a second email stating that an additional {$500.00} was needed to verify the account. Another {$200.00} with transferred from my account for a total of {$500.00}. They continued to request {$300.00} more and I refused. Then then started to send threatening emails and I realized at that point that it was a scam. They proceeded to send me emails threatening to turn my information over to the FBI if I did not comply with the transfer. My credit union then flagged my account for fraudulent activity and closed my account. Both XXXX and my credit union are refusing to refund me the {$500.00} that was withdrawn through this scam.
Product: Debt collection

This company - they give different names when I ask who is this, the number they are calling from is XXXX this company continues to call my family members leaving threatening voice mail messages on my family members phone. I have called this company and informed them this was paid off and I provided the name of company and the contact information for the company this account was paid. This individual at the current company calling me stated that information was not sufficient, he was rude and I have asked them to stop calling my family members and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX XXXX days late in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX SVCS XXXX Account Number : XXXX Account Name : JPMCB CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

My Discover Card has been closed for some time. A refund of {$100.00} was paid to this card on XX/XX/XXXX ( XXXX ). The refund was confirmed by both XXXX and XXXX the payments company. XXXX confirmed the refund was processed to my Discover Credit Card ending in XXXX expired XX/XX/XXXX. My details on file should be social ending XXXX, last card XXXX digits XXXX, XXXX XX/XX/XXXX, name XXXX XXXX XXXX, phone XXXX, email XXXX Discover are unable to locate my account and I have not received the refund processed and confirmed by XXXX. See attachment for the confirmation codes of the refund from XXXX their processor. 


-- - In the last CFPB complaint, Discover said that they had now refunded the money to XXXX, subsequent to my complaint. According to XXXX and XXXX their payment processor, it is still not the case that the Discover payment from XXXX has been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Midland Credit Management is affecting my credit score but J have no accordance with this company at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PREVIOUSLY DISPUTED NO PROOF OF INVESTIGATION OR NEGATIVE PAYMENT STATUS PROVIDED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.
Product: Credit card or prepaid card

A charge for over XXXX was made on my capitol one account that I did not make I contacted them they stated they did an investigation and the charge stands. So I asked about the investigation and discovered they never talked to the merchant where the card was used they contacted the merchant while I was on the phone he gave them a description which did not fit me and told them a blue capitol one card was used and my quicksilver card is gray. He told them the person produced one card that did not go through and them provided another he stated he doesnt ask for Id but does have a signature which they did not request to see if it matched mine. I did not make this purchase and dont think I should have to be responsible for it. When speaking to a rep where I was adamant about not making the purchase she said I see something that may be a lead let me show it to me leaders and see if they see what I see I believe they did and just dont want to reverse the charges due to it being such a large amount
Product: Debt collection

XXXX placed me into collection for a balance due. Penn credit corp is the collection agency. XXXX have found that a large portion of the debt is fraudulent. I paid the small amount that they said I owed although I dont believe I did. Penn credit did not adjust the balance due or the payment and continue to falsely report it delinquent on my credit report even though Ive asked them to update the records to show that the account is not delinquent. I was also told to dispute the amount in writing. I did and received no response. I was also told verbally that they couldnt provide me with proof of the debt because it went back more than three months and they could not get invoices older than three months. This fraudulent report caused my credit report to drop 45 points. My credit lines were lowered which further dropped and the interest rate on my student loan increased from 6 % to 9.5 %.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account number XXXXXXXX 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.
Product: Checking or savings account

Chase has closed my personal checking account without explanation. I have been had this checking account since XXXX even before chase bought out Washington mutual and it has always been in good standing. It is my main account and it is very important to me especially I am in active XXXX XXXX XXXX for the past 4 years. On XXXX, I transferred {$20000.00} I got from selling XXXX XXXX tickets on XXXX via my chase business checking. I don't know if this has triggered the account closure but my account was close on XX/XX/XXXX. I respectfully request my checking account to be restored or at least have a chance to explain the source of the money since I have all the records of it. I really need this checking account and It is really difficult for me to open another checking account since I have two more years left on my military XXXX XXXX 

Thank you in advance,
Product: Debt collection

I do not know, I was informed this would be removed and it hasn't been