23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PLEASE UNDERSTAND THAT I AM THE ONLY PERSON WRITING THIS STATEMENT.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I DID NOT AUTHORIZED NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORT. PLEASE SEE ATTCAHED DOCUMENTS.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a financial concern with my CareCredit account, underwritten by Synchrony Bank. Despite maintaining my account in good standing for several years and consistently making on-time payments, the high interest rate associated with this account has made it increasingly burdensome to reduce my outstanding balance. 

Given my strong record of account management, I believe an adjustment to the interest rate is both reasonable and fair. A lower rate would help me manage my finances more effectively while continuing to meet my obligations to Synchrony Bank. 

I am seeking the CFPBs assistance in facilitating a resolution to this matter. A fair outcome would involve Synchrony Bank evaluating my account and offering a reduction in the interest rate to reflect my demonstrated reliability and commitment as a customer. 

Thank you for your time and consideration in this matter. I look forward to your assistance in resolving this issue.
Product: Debt collection

The debt collection agency ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
Product: Credit card or prepaid card

My partner and I have taken action to get both of us on the Federal No Contact list. This has been for any mail that is promotion, advertising, telemarketing, etc. We have paid {$2.00} each through USA.Gov ( on XX/XX/2022 ) and have gone onto multiple websites to take care of this. We have received credit card mail from XXXX multiple times since taking ourselves off of the mail lists. I've spoken with them about this on XXXX and on XXXX ( after receiving mail on both of these dates ), where I was told that I need to wait six weeks to be taken off of the list completely. I still received mail from them on XXXX and XXXX. At this point, it has obviously been more than XXXX weeks. I have spent too much time on following up on this just to be disrespected and continuously reached out to. I have spent hours calling and complaining about still receiving mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing TransUnion for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since TransUnion will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. TransUnion 's business model appears to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports. The perfect mechanism in which to charge consumers more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX  ( c/o XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, a request to remove my fraud alert from my credit report and they have not done it yet, which made me get denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
Product: Credit card or prepaid card

Discover, I'm writing you because you've charged my account with almost XXXX in charges and fees which took place during the time I suffered with Covid19 in spite of regulations prohibiting such charges, this is not acceptable behavior on your part. 
No one should be penalized because of something they had NOTHING to do with.
Product: Checking or savings account

I submitted disputes to Chime because I had a fraudulent charge from an online business. I explained I lost my phone and this is when the charge occurred. Chime denied my dispute. I submitted a rebuttal and provided chat history with the merchant explained it was a fraudulent charge and the merchant recommended I reach out to my bank institution. The chime customer service center continued to send the exact same email to me every time I asked for an update or provided more information. I called chime and they read a dialogue off their screen and every representative said the same information and did not help me. The managers all said the exact same thing to me and read a dialogue no matter what I said. They recommended I reach out to the same email that would send me the same response no matter what I submitted or explained. I asked for the corporate number and I was denied this information. I asked for another manager and was always told there was no other manager for me to speak to. I never received help and along with chime I submitted a dispute to my other bank and they closed out the case in my favor with the same information provided. I provided this documentation from the other bank to chime and I continued to get the same response and no further help with my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments below where I explained the violations.
Product: Checking or savings account

This morning, XX/XX/22, I noticed I had received three emails at around XXXX from Bank of America regarding a pending application for a XXXX XXXX account. I did not open the account. Someone used my name and information to do so. I tried calling this morning at XXXX and the automated voice asked me for an account number that I do not have access to. I was unable to speak to a person unfortunately.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX there was a purchased made for XXXX dollars for a product. The product was never provided to me so I tried to contact cash app for a dispute due to the product never being issued. There is was no way to talk to someone on the phone. They ask questions and I answered honestly stating it was a product purchase. Never received the product would like to file a dispute. They then said on the questionnaire that I could not file a dispute. I then see the funds were taken out for this product twice. I still have not been able to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Product: Checking or savings account

Greetings, I had an issue with XXXX as my account is new and I deposited a XXXX checks under my moms name. My girlfriend did the same for me a while back, so I thought there was no problem. My account had been on hold for a few days now and I was just able to call since there business hours are office hours. When I called I explained to them at XXXX that it was my mothers checks and she gave me authorization to do so. They still canceled my bank account and told me to call them back in a week to see if my money can be withdrawn or they will keep it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a checking and a savings account. Each account was to receive a {$100.00} bonus for deposting {$1000.00} and maintaining for 60 days. The bonus was to have been paid within 30 days of the end of the 60 day period. I sent an email to customer service and they confirmed I had done everything I needed to do to get the bonuses which I never received despite several emails. 

" Thank you for reaching out regarding those account bonuses. We sincerely apologize for any confusion regarding this. I am glad to say the accounts are on track to receive the bonus. '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- - Apparently this bank tried to change the terms on the promotion several months AFTER I had already opened the account. For some reason they think they can retroactively unilaterally apply a change to an account opening bonus ageement months after it was opened. The bonus I was offered was as stated which was deposit {$1000.00} and maintain for 60 days. They have a new bonus that's maintain for 90 days but that's not the bonus I signed up under. 

So both my checking and savings had the {$1000.00} balance since XXXX and should have received the bonuses on XXXX or within 30 days of XXXX. It is now XX/XX/XXXX and I've received nothing ( 34 days since all requirements were completed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft 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
Product: Mortgage

I am for the third time asking for assistance in ending the harassment of still another mortgage agency. 
This same mortgage company is currently being forced through settlement, to correct other actions against its customers. 
I was pushed and my account brought by Select Portfolio Servicing , Inc. as a third or maybe even a fourth company that, instead of the previous mortgage company correcting the errors, forced my account into another of the circle of loan sharks. 
Time line : I was previously forced to pay over {$1900.00} by XX/XX/XXXX to XXXX and they were supposed to mark my account current. I requested help from CFPB then. 
Instead of marking my account current they sold my account to Select Portfolio Servicing , Inc. ( after receiving the forced payment of over {$1900.00} sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX as requested on the letter ) I paid another {$1000.00} in XX/XX/XXXX and XX/XX/XXXX ( I continuously paid monthly over the {$930.00} amount required ). 
I received the transfer letter that my account would be transferred with the first payment to be made in XX/XX/XXXX. 
Although I spoke with the new company ( Select Portfolio Servicing , Inc. ), and they reassured me that the same harassment would not happen again. THEY DID THE SAME THING. 
I was transferred in XX/XX/XXXX and already paid XXXX the {$1900.00} to become current per their letter. The account was, instead of marked current, sold to Select Portfolio Servicing , Inc. after my last payment in XX/XX/XXXX of {$1000.00} and with an unapplied amount of {$290.00} still left in my XXXX account. 
As of XX/XX/XXXX, after receiving the transfer letter, I paid Select Portfolio Servicing , Inc. {$640.00} as requested because the representative combined the {$290.00} from XXXX in my unapplied funds account to make a complete first payment of {$930.00}. 
I have made every payment on every month since that time so HOW IS IT THAT SELECT PORTFOLIO SERVICING, INC. PLACED MY ACCOUNT LATE/DELINQUENT TWO PAYMENTS AND CHARGING MY ACCOUNT CONTINUOUS LATE FEES TOTALING {$950.00} I WAS CHARGED A LATE FEE OF {$390.00} ON THE DATE I MADE THE FIRST PAYMENT. 
I made a payment in full every month since being pushed into this company. 
I just recently received a letter letting me know about a settlement which was reached against Select Portfolio Servicing , Inc. XXXX : XXXX, and that I, as others, were entitled to a workshop to meet with representatives at a very far location, ( XXXX XXXX , NJ ). It is a one day event to talk about loan assistance options. 
I dont need assistance with forced errors or a new loan ; I just want them to correct these errors so I can continue to pay this loan off or either forgiveness of the whole loan in its entirety. 
This is the THIRD attempt to receive help from CFPB. 
Awaiting your reply, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Select Portfolio Servicing , Inc. account # XXXX XXXX account # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies XXXX and EXPERIAN as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. I am victim of identity theft!!!! I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Debt collection

I returned the bill to the sender with a note indicating that I never requested the publication and I do n't want any publication.
Product: Debt collection

This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. 

The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is suppose to cover. Furthermore, I am a XXXX XXXX with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. 

Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX Experian and XXXX  on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3.XXXX  XXXX XXXX- {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and XXXX yet still remains on my Experian. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX AND XX/XX/XXXX