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

Hello I hope you are doing well. I opened a Synchrony Bank XXXX Credit Card on XX/XX/XXXX. I did that to take advantage of their promotion at that time ( I had to spend {$500.00} in 30 days after the account was opened to earn a {$150.00} statement credit ). Even though the account was opened on XX/XX/XXXX I just received the card to make purchases on XX/XX/XXXX. The first credit card was lost by USPS and I had to call them to get a new card. On the day after my card arrived, I went to the store to use the card. I spent around {$290.00} and waited until the purchase posted to pay it. The purchase posted within 2 days and I paid it right away to free up my credit limit so I could spend the remaining {$190.00} to get the {$150.00} bonus. The payment posted within 2 days but to my surprise my credit limit didnt go back to normal. The bank acknowledged the payment posted but said because it is a new account I will have to wait 7 days until the credit limit goes back to normal. When I called the bank the first time complaining that they gave me a credit limit lower than necessary to get the sign up bonus and that I didnt have the full 30 days to spend the required amount, I was told they couldnt do anything about that but they guaranteed as soon as the payment was posted I would have enough credit limit to make another purchase and get the bonus. Well, that wasnt true either because now I have paid my balance in full and I still dont have a limit to make a new purchase. The bank clearly set me up for failure. First, they sent me a card after 15 days the account was opened knowing that I would have only 15 more days to hit their minimum spent requirement. Second, they gave me a {$300.00} limit, making it impossible to spend the {$500.00} requirement without paying off the balance right away. Third, after paying the full balance off right after the purchase was posted the credit card bank accepted the payment but decided to wait 7 days to give me the {$300.00} limit back. Im very disappointed with Synchrony Bank and I am sure they are trying to scam me. What can we do about that? Thank you for your time.
Product: Credit reporting or other personal consumer reports

Experian has removed this fraudulent account from my credit file multiple times, yet today I was alarmed to receive a notification that it has been added back. This account balance and these accounts do not belong to me, and I will not tolerate this any longer. 

The account in question is with XXXX XXXX XXXX. I have provided removal letters and fraud affidavits as evidence, and it is unacceptable that these issues continue to persist. Experian is in direct violation of the rules and regulations regarding disputes and accounts like mine. 

This account must be permanently removed from my credit file. I have been reaching out about this for over a year, and their repeated claims that the issue is resolved are meaningless when the problem reoccurs. I expect immediate action to resolve this once and for all, as this is entirely unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Checking or savings account

On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my XXXX XXXX. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX XXXX looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {$200.00} Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX XXXX  ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX ,

has violated my rights. 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

XXXX Will not remove accounts that are not mine. the are refusing too do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau did not provide me with the method of reinvestigation.
Product: Mortgage

About mortgage lender : AmeriSave Mortgage Corporation. 

This lender seems a scheme! It took me 2 months since I applied, paid {$500.00} in advance, and one and half months since I submitted my full documents, my profile hasn't still processed or underwriting. No appraisal as well. I waited week by week and when I gave them a notice of cancellation, the loan officer replied some excuse but didn't response straightly to my request. Three days after I sent them the 2nd notice, they sent me an email stating that they denied my application because of " credit application incomplete ''. I myself work in XXXX XXXX that I know for sure my application is very well qualified. My credit score is above 840 and all employment, salary, my house are perfect conditions. I submitted every documents whenever they required but they didnot process my file. This is lender just paid advertising online to take borrowers an advance fee but is unable to handle borrowers ' application. Since they didnot conduct an appraisal, I requested them to refund me my {$500.00} but they didn't respond. The practice of this lender is very untruthful, untrusted and unprofessional!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I've been suffering from XXXX and been living in assistance living at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX since XX/XX/2017. 
I no loner can work or drive but I have received a letter from Amex with collections and charge offs from Amex which I have never used. 
Right now I am suffering from XXXX and been hospitalized forseveral months. 
Before I die I want to make it clear that I had never opened any Amex or used it. 
I probably have about a year to live but at lease I would like to dispute for fraudulent account which I had nver authorized to open nor used it. 
I no longer can walk straight or drive so please remove this account from Credit report please.
Product: Debt collection

Real time resolutions sent me a letter by mail stating that I owed this alleged debt violating my rights under 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist and continue to contact me after violating 15 use 1692c ( c ) has yet been able to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e. Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 ).

It is Fraud for a debt collector to furnish an unvalidated debt violation 15 usc 1692d ( 1 )
Product: Credit card or prepaid card

XX/XX/2019 statement never received. Charged {$27.00} late fee for missed payment. {$7.00} interest. 20+ year payment history of paying account in full on each statement. Not registered for any form of electronic-only invoicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX This account has violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 a, it also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1666b, states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Debt collection

Rash Curtis Association tried to collect the debt for XXXX XXXX XXXXXXXX XXXXXXXX which was not owed by me. The reference number is XXXX. 
Rash Curtis should provide the original contract, document signed by me to prove the debt.

my concern is they may get my information from identity theft or dark web. If I replied to their mail then they will steal my identity. My credit score was also lower recently, not sure if caused by the wrong debt collection.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a Vanilla Visa prepaid giftcard with a {$200.00} balance from XXXX XXXX in XXXX, OH. On XX/XX/2022, I registered the same Vanilla Visa prepaid giftcard online in my name. At that time, I created and opened a Vanilla Visa customer account using this prepaid gift card. Subsequently, I called Vanilla Visa to report the card was lost or stolen. The Representative placed a block on the card using the prepaid card number on my XXXX 's receipt. She confirmed the entire {$200.00} prepaid balance was still untouched and available. Then, she advised that per Vanilla Visa policy, they will cancel the card and mail me a new one. The Representative emailed me a Claim Form with a request for documents to complete, sign and return. On XX/XX/2022, Vanilla Visa sent a confirmation email that it received my Claim, Reference No. XXXX. Their confirmation email promised resolution in XXXX days at the very latest. But, nothing has happened. In 2 follow-up phone calls, Vanilla Visa XXXX said the matter was pending. I feel like they plan to do nothing and just steal my money. This is a violation of Vanilla Visa 's internal Claim submission policy and its card replacement policy.
Product: Credit card or prepaid card

On XX/XX/XXXX Reliacard restricted my account. They told me for suspicious activity. I had a transfer in place to my fiancs account, and I didnt think to wait til it cleared to update my address on the app..apparently they flagged my account demanding I prove identity. I uploaded my documents assuming all would be good and the next thing I know on XX/XX/2021 they tell me they closed my account. Since then we have lost everything. They refuse to give us more information than the funds are being sent back to your state agency. Oregon Unemployment has no idea or information whatsoever on this transfer back to them from Reliacard. Its over {$5000.00}. There is also a transfer that was in progress when they closed my account for no reason, and it has not shown back up. There were three all together that should have been returned from limbo after the account closed. I only saw that two made it back.so since XX/XX/XXXX I have called unemployment in Oregon and Reliacard, as well as uploaded further documents to Reliacard to verify and prove my identity. They have given no date for the return of my money, and they continue to be vague and totally misleading when I ask or call. 
Since this I have lost my XXXX diesel truck to a lien not being able to pay for the repair fees, Ive lost my home being as I can not tow my home since my truck was basically stolen from me, I lost clients I had just landed, I basically have lost everything. This is not a joke this is really happening to me. Please can someone help me..
Product: Credit reporting or other personal consumer reports

This is my 11th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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: Mortgage

Have filed into foreclosure case XXXX  XXXX XXXX responded I replied. 
Also pulled Credit report the FHA mortgage shows paid. XX/XX/2013 No other mortgage appears says Bank of america XXXX XXXX XXXX XXXX XXXX CA " refinanced '' we were paying every month for a year and half till the XXXX XXXX case and BoA showed up with an FHA $ XXXX mortgage. Somebody was pocketing our payments and forged the 2013 FHA mortgage Look up the address on the credit report comes up couple bldgs and as XXXX XXXX XXXX No banks.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ; Account Number XXXX ] YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XX/XX/year> Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to the letter you sent suggesting that a credit repair company generated my disputes. For the record, I personally drafted and sent the credit report disputes on XX/XX/XXXX, XX/XX/XXXX via postal mail and you have acknowledged receiving them. I have enclosed a copy of that correspondence for your information. It is a misrepresentation on your part to insinuate that my dispute is not genuine based on the assumption that it came from a third-party agency. The Fair Credit Reporting Act ( FCRA ) does not prohibit consumers from seeking assistance from third parties when disputing inaccuracies on their credit reports. In fact, Congress acknowledges the intricacy of this process and allows consumers the choice to use a third party if they so wish. Your insinuation not only contradicts this provision but also seems to sidestep the primary concern, which is to ensure the accuracy and fairness of my credit report. If there's an impression that you're leveraging the FCRA to delay or avoid a thorough investigation, it would be a cause of concern for any consumer. I urge you to revisit my initial request for investigation without delay. By dismissing my original request based on unfounded assumptions, you risk being in violation of the FCRA 's provisions. I believe that if need be, I can provide evidence to show that reasonable measures were not taken to verify the accuracy of my credit report. I formally request that you proceed with my original investigation and share the results with me within the next XXXX days. Please be informed that this letter serves as an official notification overriding your " form letter, '' and hence, you are provided with a XXXX window, not an additional XXXX. I trust you will treat this matter with the urgency and seriousness it warrants. I am well informed about my rights concerning my credit file, and I anticipate a prompt resolution to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing that I have only made one payment on my account XXXX showing only one payment done back in XXXX of XXXX  Balances are incorrect the Credit Bureau is XXXX XXXX the second account with XXXX XXXX is account is XXXX and it has balance of {$3200.00} last report was on XX/XX/year> in which we are in XXXX and it has my credit score low in which I am getting a mortgage and it is affecting me in my loan paying a lot more due to the incorrect amount on my credit with Experian, XXXX, XXXX too needs to be corrected asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and Experian ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, Experian is still waiting for XXXX to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the XXXX accounts that do not belong to me and Experian may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and Experian do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.