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

Back in beginning of XXXX ( Covid Days ), I used XXXXXXXX XXXX to make a small purchase of {$20.00}. At that time, I had PayPal as my only payment method to pay for any XXXX purchases. To my surprise, without any agreed-on arrangement, without my knowledge and six months later they started sending me a statement from unknown bank by the name of Synchrony Bank ! 

I reached out to both XXXX and Synchrony Bank to inform them that the payment was made on my PayPal card. They acted like they understood and well aware of my sole payment method on my account. 

Both XXXX and Synchrony Bank customer services tried to act like someone used my account without my knowledge and they want to list it as a Fraud, even know I told them that the purchase is valid and legit. 

After multiple monthly conversations with multiple customer service representatives after receiving a false statement, I was not giving any option, other than to transfer to Fraud Hot Line! to report this. 

Going through this non-sense scam and unethical practice just to inform me that they canceled a credit card, that was never sent to me and promising me that this issue is closed and there is nothing for me to worry about. 

But fast forward 2 months later they kept sending me new statement that grow about {$30.00} a month and here we are in XXXX with outstanding balance of about {$600.00}. 

The last statement received shows that amount as transfer from a fake credit card to another fake credit card that I know nothing about!, but the amount is growing by the day. 

What I see here is two companies trying to scram consumers to recover from slow Covid days lost revenues. 

I need to report this as a complete Scam by these two companies and also make consumer aware of such a lousy ploy to generate revenues. 

I am not sure what to do here! Do I need to hire a Lawyer or contact the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While on the XXXX program up to and during the 1st quarter of XX/XX/2015, I was living at a XXXX XXXX XXXX complex. At some point either XXXX XXXX XXXX complex or the collection agency, submitted derogatory credit information to the credit bureaus. The submitted information was incorrect or missing totally. 

The XXXX program subsidized my rent where I paid my portion on time and I was never late. I do remember that there were admitted clerical errors verbally admitted by the complex. On several occasions I tried to correct the derogatory info, but I have not received any information in return. 

This ordeal leaves me in a dilemma of what actions to procure to resolve these issues concerning my credit. 

Please resolve my issues as soon as possible. 

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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX CT XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX DP OF XXXX XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$7500.00} ; DP OF EDUC XXXX Balance : {$9100.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$4500.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; DP OF EDUC XXXX Balance : {$6100.00} ; DP OF EDUC XXXX Balance : {$8800.00} ; DP OF EDUC XXXX Balance : {$5000.00} ; DP OF EDUC XXXX Balance : {$3700.00} ; DP OF EDUC XXXX Balance : {$2400.00} ; DP OF EDUC XXXX Balance : {$6600.00} ; DP OF EDUC XXXX Balance : {$17000.00} ; Medical XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The presiding XXXX XXXX Circuit Court Judge entered a Summary Judgment in 2015 that dismissed Discover Financial Services claim. Discover has persisted in efforts to collect this debt & declined to remove this baseless claim from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. This account has not been properly verified. 

XXXX credit bureau DELETE THIS ACCOUNT because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please DELETE this account XXXX XXXXXXXX XXXX from my report immediately for failing to comply with FCRA. 
THANK YOU FOR YOU TIME
Product: Money transfer, virtual currency, or money service

I transferred {$10000.00} into my Coinbase account. I bought crypto currency with it. This was a month ago. My money is stuck in my account with them, I can not move it to another exchange. Their fees are very expensive. Every time I trade crypto i end up paying around {$300.00} in fees/price manipulation. I have lost a lot of money by trading and not trading because of their high fees. If I was able to transfer my money to another exchange I would have been able to make several trades, with a profit of over {$1000.00} and I would only have to pay {$40.00} or {$60.00} for the trade/transaction . It is a no brainer. I already gave them my id and a picture of myself a few days ago and they told me they would get back to me in 45 days. That is way to long.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown to me A company named Americollect asumed an account from XXXX Hospital which I was disputing with them without much success. Americollect never sent me any information that they had taken over the account in XX/XX/2019. I became aware of this in XXXX when it showed up on my credit bureaus. I called them telling them I believed the charges were fraudulent. They sent me a form to fill out and they said they would investigate and also send me a detailed list of charges. I received a letter XX/XX/XXXX in which they just said that they had confirmed that I was the owner of the account. No list of charges, no explanation. I communicated with them today, and was basically told to pay up. I will pay what I feel is legitimate, but they will not work with me about these fraudulent charges. I will give an example, there are numerous charges called XXXX. There was never any XXXX at all
Product: Debt collection

I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by SYNCBXXXX XXXX XXXX  has a balance of {$6200.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines . 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.
Product: Money transfer, virtual currency, or money service

Paypal Credit. 
Purchase date XX/XX/2018 Purchase amount {$340.00} Special Financing. No Interest if paid in full by XX/XX/2018. 

Payments made : XX/XX/XXXX : {$56.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$200.00} None of these payments were applied to this purchase. Called and talked to Paypal Credit both the initial responder and the supervisor said I must call in within the billing cycle of a payment and request it to be allocated towards the specific purchase. Otherwise, it goes towards the rest of the account 's balance by default. I feel this is a very deceptive way to keep promotional purchases from being paid off in order to charge interest. Plus, this line of credit can only be used online, yet I can not allocate my payment online? 

I can not find any documentation referring to any of this on my statements or online.
Product: Debt collection

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of these inaccurate and damaging entries is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. 
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 XXXXXXXX XXXX!!!! 
It is utterly distressing to discover such derogatory information on my credit report, especially when my financial history has previously been impeccable. The sudden and unexplained appearance of these fraudulent collection accounts and unauthorized inquiries is not only shocking but also completely unacceptable. 
I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies on my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. 
I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. My information is leaked on the dark web and someone has opened up multiple bank accounts in my name using my old information that appears on my credit report. I informed Experian about it and they won't remove my old information.
Product: Credit reporting or other personal consumer reports

I have contacted the listed creditor to provide proof of consent without successful response from them.

According with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I have a small amount of crypto currency ( ETH ) in a Robinhood portfolio. 

I have attempted to sell or get rid of this currency for a LONG time however I can not as the company has restricted my account. 

Earlier today XX/XX/XXXX/2025 ( Approx 30 Min ) ago, I spoke to a Live Agent in a chat with the company to try and get this resolved. I was told my account is suspended permanently for Violating their agreement and the Decision was final with no explanation. 

Although the amount of money I have in this account is incredibly small I would like it sold or removed, and to either have my account restored or closed so I can move on. Right now I am stuck since my account is Restricted for completely unknown reasons. In addition to this, the Amount is too small to sell per Robinhood even if my account was active thereby forcing me to buy more to be able to sell what I have. 

In addition to this on XX/XX/XXXX25 I requested a support call also approximately 30 min ago which was roughly XXXXXX/XX/XXXX. Robinhood stated their wait time was 9 minutes. I have never received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of EDXXXX XXXX {$6000.00} 5 ) Dept of EDXXXX XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 )  XXXX  XXXX
Product: Mortgage

I would like a complete accounting, including description and date of all transactions posted to the account from XX/XX/XXXX to XX/XX/XXXX. If possible please provide the information in both a XXXX  file as well as a pdf format. I have found the pdf format of the transactions extremely hard to read. For example the font and space are too small.
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 : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : AXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Credit card or prepaid card

About a month and a half ago there was multiple transactions on my XXXX debit card over a100 they  were all nearly the same amount even some of them being at the exact same time same day and same amount that is not even humanly possible for an individual to do they were as well out of the country so I filed a dispute and Bank of America credited my account for that amount however just two weeks ago they sent me a statement stating that I lost the dispute and they reversed the credit so my account is {$2800.00} negative however it was {$3800.00} negative but when I certified my benefits last week they took my whole amount It is unfair that I lost the dispute considering the fact that its 100 % obvious its fraud but the fact that that is my only means of income and I am being financially deprived of it and My rights as a consumer are being violated
Product: Credit card or prepaid card

Capital One, without any request by me, disputed an entire month 's purchases on my card ( {$6100.00} for the period XX/XX/18-XX/XX/18 ) after I had fully paid the balance. Even though the charges were disputed by an error on their part, no credit has been issued to my account as promised in the letter that notified me of all the disputed charges. 

My life, my business, etc. have been upended due to this situation. Things like my electric bill, wireless phone for each family member, XXXX XXXX, health insurance, XXXX account, XXXX account, business internet, etc. have been frozen or dropped due to the disputed charges each has received. I have had to pay most of these debts a second time by other means in order to keep my accounts working and my business running. It has been a nightmare!! A great example is my wife and daughter traveled from NY to XXXX last Thursday on tickets purchase during the time of the disputed charges. When they went to check in for their return flight on Sunday, the tickets were cancelled due to the disputed charges and we had to repurchase them at a substantial additional cost. 

I have spent more than 10 hours on the phone with Capital One trying to get to someone who can help resolve the situation. Each call I have been told that someone would call me back. I have never received a call. I have spent dozens of hours with angry businesses that I paid during that period who are irate that I charged back their payment. The situation is destroying my reputation and likely my credit score. 

At this point, Capital One has stolen {$6100.00} from me. I have paid them fully for these charges and I am now having to pay them all a second time to make the payees whole so that my life can continue. Capital One has received my {$6100.00} as a payment via wire transfer and clawed back that amount from payees through the dispute process. 

Please help!!
Product: Credit card or prepaid card

Dear CFPB, Wells Fargo has yet to address my previous complaints. There is an instance where a transaction, which is marked as " changed back '' on the merchant interface, has not been credited to my account.

Furthermore, three other cases remain unresolved, despite my numerous attempts to contact them. If Wells Fargo persists in claiming that I did not provide information, I am left with no choice but to play the recorded conversations so they can see whose fault it is. 

This bank, much like XXXX  XXXX XXXX, is in a state of bankruptcy due to utter mismanagement, treating customers as if they were fools.

I am once again requesting supervision over these four dispute cases. I will continue to complain until this matter is resolved! 

Sincerely XXXX
Product: Credit card

Capital one has kept these accounts on my credit report for longer than the law states in regards to a consumer. I have requested removal through the credit bureaus however these accounts have caused a great deal on consumer injury. My personal information have been involved in many data breaches and being denied credit rightfully due is wrong. Going back n fourth with these creditors and credit reporting agencies are not helping. They sent documents back saying verified when nothing have been done about these accounts they only remain.
Product: Debt collection

DEBT WAS SETTLED BY ARS ON XX/XX/XXXX. 
REC 'D A LETTER CONFIRMING THIS. 
XXXX  STILL IS REPORTING THIS AS AN ACTIVE, OPEN DEBT. 
REQUESTING INV BY XXXX  - ON XX/XX/XXXX - THEY CONCLUDED IT WAS A VALID, ACTIVE DEBT!!! 

SPOKE W/ ARS XXXX XX/XX/XXXX - THEY SAID TO CONTACT XXXX  XXXX WHICH I CAN NOT - AS IT'S STILL WITHIN THE XXXX LIMIT - THEY PUT ME THROUGH TO SUPERVISOR VM - THIS TRADE LINE SHOULD BE DELETED PER ARS FROM ALL CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

Dear SYNCHRONY BANK I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

AMEX is refusing to investigate and reverse a charge on my credit card for which I have received NO services/goods from the so-called merchant. AMEX is discriminating against me as a minority. During a call that was recorded with an AMEX agent, the AMEX agent made disparing remarks about me and discriminated against me- including making statements about my job ( even though I never advised the agent what I do for an occupation ). AMEX should not discriminate against minorities.