23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently applied on XXXX/XXXX/2015 for the NBA BBVA Compass Bank XXXX XXXX Card for my love of basketball and received the card 7 business days and a mailing of my credit score and bureau information from XXXX. 3 days later on XXXX/XXXX/2015 when I tried to use it at a grocery store it was denied. I called customer service and they told me it was suspended and no other information was available. I was to wait for a call back on Monday morning XXXX/XXXX/2015. I called on XXXX/XXXX/2015 and had the very same customer service rep who told me he had no information and the account remains suspended an no information. I asked for my issue to be escalated and I received a call back and was told on XXXX/XXXX/2015 ( I saved the voice mail ) they needed to verify my identity and to stop in a branch. There are no branches in NJ. No information was received in the mail or phone call about the suspension - nothing. I called back on XXXX/XXXX/2015 and told them I was visiting family in AZ and they would note the account that I would would go to a BBVA Compass Bank for ID verification. Yesterday on XXXX/XXXX/2015 I spent over XXXX hours in a BBVA branch at XXXX XXXX XXXX XXXX XXXX. AZ with my ID ( Drivers License and Passport ) and I met with the Teller, Personal Banker who tried to resolve this. The staff put me in an office and wait for service on the telephone. As of today - XXXX/XXXX/2015 my problem is not resolved. The Personal Banker XXXX XXXX called me at XXXX on Saturday and said he will continue to work on it Monday morning XXXX/XXXX/2015. He made copies of all my ID information. I met all the criteria, provided the information and NO ONE cares at BBVA Compass Bank to resolve this issue. I have now worked with XXXX different people and no one can seem to resolve this mess. 
My Desired Resolution : I want to have the NBA XXXX XXXX Card that was approved for me. I have NO IDEA why after XXXX DIFFERENT PEOPLE and XXXX hours in a branch that my case can not be resolved. This is by far the WORST customer service and communication I have seen EVER! Please help me. No one should be going through the same problem. I have also filed a complaint with the XXXX. 
XXXX XXXX
Product: Student loan

I have Nelnet loans and I applied for recertification. I was on Income-Driven Repayment and my specified payment was until XX/XX/XXXX. Prior to recertifying I explicitly asked if I changed the repayment plan would my current plan still carry out in full and then the next plan would take effect in the following month. I was ensured it would not interfere with my current plan. I reapplied on XX/XX/XXXX well ahead of the recertification due date of XXXX. When the new repayment option the due date moved up to XX/XX/XXXX. When I spoke to Nelnet they told me that the IDR I was on was terminated and immediately they put me on the new plan. Being that those payments would be higher I asked if they can void the new status and restore my former due date and they said they can't. Being that my income increase, they explain even if they gave me IDR it would reapply it from the current date and my payments would be higher than my prior IDR and the plan I chose.
Product: Credit card or prepaid card

In late XX/XX/2022, I was looking into purchasing a new XXXX phone from their store using their XXXX XXXX ' service, which allows you to finance the purchase of a new phone. As part of that process, I was approved for a {$600.00} dollar XXXX Synchrony credit line. Because the phone was more expensive on the XXXX store than I'd anticipated, I decided to check the internal store for the phone carrier service I have with XXXX called XXXX XXXX. 

I've been a customer of XXXX XXXX for many years. It's a phone XXXX like XXXX XXXX XXXX or XXXX. Inside its app, it features a store for buying new phones and upgrades. The same phone I wanted to purchase through XXXX 's site was available on the XXXX XXXX store for {$590.00} due to a customer loyalty sale. My XXXX credit line is {$600.00}, so I looked into purchasing the phone through the XXXX XXXX store, using my {$600.00} credit line. After several days of ineffective customer support, they eventually told me that I could not use a XXXX credit line to make a purchase from XXXX in the XXXX XXXX store. I would have to use it to buy an unlocked phone from their main store. I can't think of meaningful legal justification for denying me the right to use that credit line to purchase literally the same hardware from XXXX on their XXXX XXXX store as opposed to their main store. 

They've issued me a line of credit but are telling me its only good for use on their products in very limited venues. One of those venues is apparently not the store for its long-time mobile customers. Instead, it seems to be a ploy to solely attract new retail customers who may or may not use XXXX XXXX at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018
Product: Debt collection

I am registering a complaint against The XXXX XXXX XXXX, which owns Synchrony Bank ( SB ) and its subdivision Home DesignXXXX/Synchrony Bank as they put my name and Social Security Number, on an account that I never applied for or consented to open. 
On XX/XX/XXXX when my husband became ill, I found a bill from Synchrony Bank ( SB ) and called them immediately asking why my name was on this bill and asking for any documentation ( written, oral, or verbal ) that they could share with me, as while I am old, I had no recollection of ever opening an account with this bank. After numerous calls I was told I had to pay them, because this was an old account and I should have known that my SSN was being used. So, I again requested any documentation they had on how this account had been set-up. On XX/XX/XXXX I realized Synchrony Bank ( SB ) was on my credit report affecting my credit scores. I called SB to again request a copy of the documentation committing me to a loan agreement. After 6 calls, I was told that to obtain the origination files a written request had to be submitted on forms they would mail. In XX/XX/XXXX the bank had disappeared from 3 credit rating sites. On XX/XX/XXXX, I submitted the required dispute forms. I was told on XX/XX/XXXX that they would respond in 90 days. On XX/XX/XXXX the bank mailed a letter seeking payment. On XX/XX/XXXX I called 4-times and was told that SB did not have the origination files, as they were generated by XXXX XXXX , from XXXX XXXX XXXX XXXXXXXX , a partner of Home DesignXXXX/Synchrony Bank. I was also told that my request had been forwarded to the Fraud Solutions Team. On XX/XX/XXXX, SB sent a letter closing the account, & notifying credit bureaus etc. On XX/XX/XXXX, Synchrony Bank was back on my credit report, as delinquent, making it difficult for me to borrow the funds needed for urgent home repairs. This banking institution is using pressure tactics to make me pay on an account I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Product: Debt collection

On XXXX XXXX 2015 we moved from XXXX in XXXX XXXX, GA to XXXX in XXXX, GA. We left due to management not dealing with issues. XXXX The noise of cars coming in at XXXX, XXXX or even XXXX with the base woke us up consistently. We always got told to call the cops but when the police would get there nothing would be able to be seen or heard.It was XXXX that use to own XXXX. Then XXXX company came in and took over. The situations became even worse than before.Our belongings were out by XXXX and the keys were put into their slot. We have paperwork with the rental truck etc. They kept our security which we just wanted out of there so we did n't care. But because They did n't return until XXXX XXXX which is a monday they are trying to state we owe XXXX for a full months rent. But their was XXXX of us in this apartment and they are only coming after me and put it on my credit report. We do n't owe the money as we were out. I dont get why they state I owe this money and I am trying to get this off my report. I paid a week in advance for wedgewood which was XXXX to move in. We were fully in by the XXXX XXXX. How can they put this on my report and give it a negative due to this collection agency? PDM Debt Mediation
Product: Credit card

XX/XX/year> at the XXXX  office I was suggested by the staff to pay for my XXXX XXXX with CreditCare. What I was told that the card has no interest promotion, thats why I apply for. The staff also did not mention anything about differed interest. Now I just learned about charge for differed interest of {$2400.00} on top of my monthly interest. I contact Synchrony CareCredit for explanation and they are trying to put the blame on the dental company. Im not sure what to do because I cant afford to pay that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit as soon as Equifax data breach was reported and I found out I was hacked. I did not get a PIN number for my credit freeze. Equifax needs to help people like me get our PIN number. Equifax should be punished for their careless regard for our information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies. 
I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence. 
XXXX. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations. 
XXXX lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions.

Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION!

ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT!

YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA
Product: Checking or savings account

I have a checking account with Cash App. I have my paycheck deposited into this account via direct deposit. When I woke up this morning and looked to see if my pay had dropped I XXXX  a message saying that my account had been closed because I violated Cash Apps terms of service. 

After reviewing the terms of service I couldn't find anything that would warrent my account being closed. All I do with this account is pay my bills so I contacted customer service. They told me that the exact reason for my account being closed isn't provided to them and that there's nothing I can do. Their decision is final.
Product: Credit card

On my credit report, I discovered that a Barclays credit card account had been opened on XX/XX/year>, without my consent. The card has a {$10000.00} limit, and {$8600.00} was immediately charged to the account, according to all credit bureaus. I informed Barclays over the phone that it was a bogus account and that I had not given anyone authorization to open it. I ask for the account to be closed and deleted off my credit report right away because it is a fraudulentaccountand I am not able to access it. They assured me that they fully understood, that the account would be closed immediately, and that their investigative team would be tasked with looking into the matter. On XX/XX/year>, I received a letter informing me that the account was determined to be valid. I remain responsible toBarclays Bank {$8600.00}, and they will keep reporting the account to credit bureaus as legitimate, which will negatively affect my credit history.I discovered this unauthorized account on XXXX XXXX when I was informed about the account on my credit report, which I immediately disputed with XXXX. Since then, I have been concerned about the potential impact on my credit history and financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is {$530.00} fraudulent medical collection account still reflecting on my Experian credit report even after submitting a multitude of identity theft documents.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I obtained a loan from OneMain Financial. I made biweekly payments in the amount of {$92.00} for an entire year. In XX/XX/XXXX, I signed up with a debt consolidation company which then reduced my payments to OneMain to $ XXXX monthly, in which OneMain agreed with. In XX/XX/XXXX, I notified OneMain that I had satisfied my debt consolidation and would like to begin making payments on my own ( instead of giving money to the debt consolidation to pay my creditors ). I established biweekly payments with OneMain in the amount of {$76.00} for a total of {$150.00} a month. At this time my balance was {$4700.00} after 3 months of making payments, I noticed that my balance did not budge. I emailed and called OneMain about this and they claimed that they would update my balance. XXXX I sent OneMain a certified letter requesting that they provide me with the correct balance owed or I will stop making payments. They never responded to my letter and did not update my correct balance owed and have now filed a Warrant in debt judgement against me. I plan to fight this judgement as they are claiming an incorrect balance owed. I have read plenty of other complaints against OneMain of the same tactics.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to lack of customer service and unfair practices which violate the CFPA. This left my account vulnerable and unprotected. Furthermore, they're dispute. Resolution process was unfair And deceptive As they did not comply with error resolution requirements under the EFTA and regulation e. These actions have caused significant In convenient and financial loss, And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my Experian report from US SM BUS ADMIN ODA. However, I did not authorize this inquiry and the account is not mine. This is false information currently reporting on my Experian credit report. This is deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XXXX XXXX the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with US XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.
Product: Debt collection

On XXXX I received my first notice/bills from Carter Business Services , Inc ( the collection agency ) in XXXX, MA in the amount of {$1.00} for services provided on XX/XX/XXXX and {$59.00} for services provided on XX/XX/XXXX. These two notices informed me that XXXX XXXX, XXXX has released my personal and individually identifiable health information ( PHR ) to Garter Business Services in order to collect the outstanding balances. Prior to these two bills/notices I have paid all my medical bills to XXXX XXXX XXXX. I have never received any bills from XXXX XXXX, XXXX. The transfer of my personal information and PHR was done without my knowledge or my authorization and violated HIPAA regulations and Massachusetts Privacy Act. I mailed a letter to XXXX XXXX XXXX Privacy Officer on XX/XX/XXXX and requested a rescind of my all personal information and my PHR from Carter Business Services , Inc and deletion of any adverse information on my credit report. I also requested a written response within 10 days but have not received any response. 
I called Carter Business Services, Inc on XX/XX/XXXX and XX/XX/XXXX and provided them with copies of all my medical bills paid to XXXX XXXX XXXX. I also called my medical insurance, XXXX XXXX XXXX and it was confirmed that my annual deductible has been met. I disputed the claim from Carter Business Services, Inc in writing by sending them a letter dated XX/XX/XXXX and requesting a validation of the alleged debt to XXXX XXXX, XXXX. I also informed the Carter Business Services , Inc of " breach of security '' with respect to my personal information and unsecured PHR without my authorization. 
I received a written response from Carter Business Services , Inc dated XX/XX/XXXX referring to the attached paperwork as a copy of the " itemized bill ''. It had a balance of {$61.00}. The paperwork contained more sensitive individually identifiable health information ( PHR ) with names of procedures, referring doctors and medical tests conducted during the year XXXX. 
On XX/XX/XXXX I mailed my response stating that the copy of the itemized bill has no viable evidence, bearing my signature that I have any contractual obligation to pay the alleged debt. Also, Carter Business Services, Inc have not provided me with any agreement that grants them the authority to collect. 
I mailed another letter to XXXX XXXX XXXX Privacy Officer and XXXX XXXX, XXXX dated XX/XX/XXXX asking them to rescind all of my personal and PHR from Carter Business Services , Inc and requested that all adverse entries on my credit report by Carter Business Services , Inc be deleted immediately. 
Please feel free to contact me by phone at XXXX. 
Thank you. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was recently added to my credit report and I do not have any account or any connection with this account to owe a balance. This is a fraudulent account that is being reported on my credit report as it is giving deliquent marks and not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Credit reporting or other personal consumer reports

It is a revolving account that has exceed statute of limitations. The company is SYNCB. Opened XX/XX/scrub>XX/XX/XXXX. Please delete ASAP. This has been on my consumer report for 19 years. This is innacurate reporting and must be deleted