23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2023, I called Synchrony Bank 's fraud department after noticing a charge on my statement for XXXX from XXXX XXXX XXXX. I know the restaurant owner, XXXX XXXX, and asked him about the charges. XXXX. first admitted and then he denied any knowledge of it. I called Synchrony and explained that the owner denied the charges, although it was clearly on my billing statement. The representative told me to file a fraud complaint and advised me to file a police report. I did as instructed. Since XX/XX/2023, I was told to allow 45 days for Synchrony bank to investigate. I called approximately 20 days later and I was told by the bank representative that there was no information in the system of me filing a dispute. So I went through the process of filing another claim. I was told to allow 45 days processing time again. I called again at the end of XX/XX/XXXX to 3 times later in XXXX, XXXX to 6 times in XXXX, the same in XXXX and XXXX. When I called in XXXX, I spoke with a representative by the name of XXXX. XXXX assured me the matter would be resolved. However, when I called in XXXX, the same cycle of events happened again. I was told my claim was denied because " you accept the charges ''. They were saying that I told them ( synchrony ) that I agreed to the charges. This is obvious a false statement. I never accepted responsibility for the charges. I called for XXXX again and he once again assured me the charges would be removed and my account would be on hold until everything is resolved. In XXXX when I called in, I was told the claim was denied for the same reason as before. I also received a statement that my Sam 's Club synchrony account is being closed. This bank has been very difficult to deal with and based on multiple reviews may situation appears to the bank 's common practice. The practices and mishandling of my account by Synchrony were very similar to the reviews I read with the XXXX XXXX XXXX XXXX website. I am completely frustrated and confused as to why this is ongoing for 8 months. There is definitely foul play going on. I desperately need assistance. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. Syncb/XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. Syncb - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BANK OF AMERICA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 61

1 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts m
ust be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Student loan

Since XX/XX/XXXX I entered into an agreement with Navient to begin paying back my student loans. I also requested to participate in a program that would lower my rate or monthly payments. I have been making the necessary payments ( {$470.00} ) since XX/XX/XXXX and it continues to show on my credit report that I am 180 days pass. This has caused my credit score to drop significantly. Please assist me with understanding if this is right. I still have not been approved for the program to lower my rate. They continue to ask for more documentation regarding the co-signer while taking {$470.00} from me every month. I have asked them to consider that I have been able to make the payments on my own, why is it necessary to have the co-signer personal information. 
Looking for guidance and assistance as I feel that this is completely unfair and unreasonable. 
Thanks
Product: Checking or savings account

On XX/XX/2023, I went to deposit money into my Wells Fargo account via the ATM. The deposit function was unavailable at the moment I went to the ATM. When I left, I forgot to end my session and drove off with my debit card. The person behind me withdrew {$1000.00} from my account and I immediately received a text message alert to my phone that my account was negative. I called the ATM Claims and they said there was no crime committed, that on their end, they say this was an authorized transaction and this was not authorized. I did not give permission to nobody to use my debit or withdraw money from my account. They did refer me to the actual bank to obtain surveillance video, but the bank has not cooperated or provided me a refund of that money. The bank and the city police department have not given me any updates as of today. I have personally written to them via email and still no response. The bank will not even answer my calls.
Product: Credit reporting, credit repair services, 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$720.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filling 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.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My client has been trying to lodge his Enduring Power of Attorney ( EPOA ) from XXXX to enable him to operate his wife 's XXXX Bank Account with Wells Fargo. His wife has XXXX XXXX and is unable to operate this account. After making a complaint through yourselves in XXXX 2015 ( Case Number XXXX ) Wells Fargo advised that the EPOA had been accepted, however when the second Attorney attended branches in both XXXX XXXX and XXXX, she was told that the EPOA does not comply with their rules and in fact they would need the original XXXX document ( which they have ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself at potential risk of credit fraud and identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for one month after the breach was detected. I received no email, letter, or phone call and instead discovered the breach via social media.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am worried about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : 1. XXXX XXXX XXXX Balance : {$870.00} 2. XXXX XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/2024 I was using the XXXX  XXXX app to book a one way flight from XXXX to XXXX XXXX for XXXX XXXX XXXXXX/XX/XXXX. Before I confirmed the flight  I saw a promotion for earning a {$500.00} statement credit towards the flight if I applied and received the Gold Amex Delta SkyMiles Credit Card. I then proceed to apply for the credit card and I was approved that same day. On XX/XX/2024 I booked the said flight, which was a total of {$410.00}. According to the offer, I should be eligible to receive the {$500.00} in statement credits ( as it said on the XXXX  app, my flight would cost {$0.00} after applying for the credit card and purchasing my flight with it ), but I never received the statement credits. I inquired about this to American Express, who clearly denied the offer and denied my request to receive the {$500.00} in statement credits. This is fraudulent marketing advertisement and subject to legal action.
Product: Credit reporting or other personal consumer reports

Some years ago, I used XXXX XXXX  and creditrepair.com to fix my credit but to no avail. I paid for services that weren't provided to me in an attempt to repair my credit.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX  card account number XXXX*that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting which is a violation pf FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit. Tracking number XXXX
Product: Debt collection

I've never owed this credit collection company, nor the original creditor, any of the unwarranted debt they claim that I owe, nor do I owe the additional unwarranted debt accrued since originally making me a victim of their illegal, debt-accruing, crime operation in early 2018. Note : this company is known for accruing false debt and subsequently purchasing more debt on top of what they initially, unjustly, and illegally accrued ; just check their XXXX reviews [ Account Corporation of Southern Nevada ], in order to slander one 's financial reputation for their company 's own personal gain/debt reconsolidating purposes, I presume. Another note : I don't have any other history or slew of derogatory accounts except for this and if I do they are well under XXXX $ and are also in the process of being disputed/litigated, as I've never had an instance where I haven't paid an amount on the correct date it was owed. Hence, my credit report shows a mostly accurate depiction of my financial history, in which this unwarranted derogatory account [ Account Corp of Southern Nevada ] does not support and is tremendously out of the ordinary/ doesn't following my usual financial patterns. XXXX has already removed the report as a result of inaccuracy. Currently in the process of disputing the inaccurate information/ relaying the removal to the rest of the credit bureaus. Again, this account is an error/unauthorized and should not be on my credit report.
Product: Checking or savings account

I opened a new checking account in XXXX with BMO 's  promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included government payments. I went out on XXXX XXXX in XXXX and started receiving XXXX payments from the state of california. These are processed electronically through XXXX XXXX XXXX as they are loaded onto a debit card. You can then direct deposit ( the website specifically shows this term ) into your checking account online. After receiving benefits I direct deposited the amounts to both my new BMO account and my older XXXX XXXX account. On my XXXX XXXX account it shows up as a direct deposit for the category type. For BMO they are telling me it is a fund transfer and I am therefore not eligible for the account promotion, despite them listing government payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute letter to XX/XX/XXXX, XX/XX/XXXX, and Experian. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report due to a data breach in which my personal information was compromised. As a victim of identity theft, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I'm viewing my XXXX Credit report received a few days ago. XXXX Credit match has excessive inquires into my information. It's too much to explain here. I'll attach a picture. I have not applied for Credit cards this year and certainly not weekly
Product: Vehicle loan or lease

Was looking for an inexpensive car and had to get one quickly to be able to leave for the other side of Washington asap. Well, because I only had {$500.00} to put down on one they said I would be limited in my options. Asked carhop about a specific one, arranged to come see it, hoping I could just get it and drive it off the lot if it was decent enough. When I got there they sprung it on me that, oh no that one I wanted was gone, this other one over here is the only one I could still do with my XXXX. I was in desperate need of a car, so I agreed. I put XXXX down and payments ended up being like XXXX every 2 weeks ( so roughly XXXX a month ). I kept paying until I lost my job and then i couldnt afford the payments anymore. I went to tade it in ( at a diffferent place because we had moved at this point ) for something that is smaller and that is more gas efficient, but every person i talked to said i was being ripped off by carhop. The car was worth around XXXX ( they said probably even less ) and based on our loan they were charging us over XXXX the price of the car. We still owe over XXXX on it! Most of them said to just let it get repossessed, one even said he would help us file complaints because he thought the loan was " predatory, disgusting, and repugnant '' One of the people from CarHop has been talking to us and saying she will help us and offering to do a payment plan, which we were still in the midst of talking about. Suddenly we hear the tow truck outside. So basically seems like she was just buying herself time to get the repossession approval or something. If not that, then WHY have it picked up in the MIDST of negotiations? At this point I just want the loan taken off my account or marked as closed and paid up. Because this is absolutely ridiculous and a scam.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an inquiry that I do not recognize and have never authorized. I have not applied for credit with this company nor given my consent for them to access my information. Discovering this has been deeply stressful and has caused me significant anxiety.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was paid off. I checked my credit 6 months laterXX/XX/2023 and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied in XX/XX/XXXX. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/2023the balance still reflects {$710.00} on my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, XXXX, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/23 CVV : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

They call multiple times a day everyday on a {$210.00} on a {$700.00} limit. I haven't made a payment in two months but plan to pay it off at the end of the month when I can. And I have used it since. They gave collections calling me when this is not in collections. I'm tired of being harassed for {$210.00}.