23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Florida XXXX. You are in direct violation of the Fair credit reporting act 15 USC 1681 section 602 a clear state that I have the right to privacy 15 USC 1681 section 604 a section 2 is also stays a consumer report agency 15 USC 16668 a creditor may not treat a payment on a credit card account under and open in consumer credits plan as late for any purpose remove these late payments and update this account immediately as you are not in direct violation
Product: Credit card or prepaid card

Venmo offered a credit card through Syncrony Bank with double rewards on purchases. The doubling resulted in a 6 % cash back reward offer for the first few months. I took full advantage of this offer and prior to the expiration of the special offer, I charged over {$22000.00} on the card by paying utility bills on my business in advance. My credit limit was only {$7500.00}, so I would charge several thousand dollars, then pay it off in 2 or 3 days and do it again. It resulted in cash back rewards for XXXX being {$1100.00}. 

Syncrony did not like this so they cancelled my card. Their reason was " indicative of high risk of failure to pay ''. That does not make sense when I was paying every 2 to 3 days. I also have another Syncrony credit card that I have had since 2007, 15 years. They did not cancel that card, same name, same address on the account. My credit score is also over 800. Since they cancelled the card, they refused to pay out the rewards earned. 

This is fraud! Syncrony offered an incentive to me in which they made money off of my transactions. Then they cancelled the card and refused to pay the cash rewards that I earned. Syncrony 's reply has been that they can cancel the card for any reason and then the rewards are not payable and that is written in their card agreement. Can you really have someone waive their rights so that you can commit financial fraud??? 

I told Syncrony that it doesn't matter to me that they cancelled my account. I just want them to pay the rewards that I earned. I also suggested to Syncrony that maybe they should look at my other Syncrony account that I have that has been paid on time for 15 years, it may be " indicative of high risk of failure to pay '' as well.
Product: Credit card or prepaid card

XXXX XXXX Card Unauthorized Identity theft XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX vehicle. I offered a XXXX XXXX bus in exchange. A Payoff was requested from XXXX and sent to XXXX XXXX on XX/XX/XXXX, to be paid by XXXX XXXX. The dealer promised the customer to pay before XX/XX/XXXX, as there was a pending payment. On XX/XX/XXXX, I received an alert from XXXX marking XXXX late. I go to XXXX XXXX to inquire about the payment and they show me evidence that the payment was sent to XXXX. I contacted XXXX and they told me that they had not received the payment. I went back to XXXX XXXX to investigate the payment and was told that they had to send a new check because it had been lost due to XXXX XXXX. They send a check again and XXXX receives it and it took a long time to receive it and they marked my XXXX credit as 60 days late. Today I contacted XXXX to explain the situation and they told me that the customer is the only XXXX responsible for the payment. The situation has caused damage to my credit report because they did not meet their responsibility to pay on time. XXXX XXXX expressed their apologies to me, but that they could not remove the marks. I am requesting assistance because I acknowledge that there was a pending payment and that it will be paid on XX/XX/XXXX. I trusted XXXX XXXX to send the payment. I have always maintained excellent payment with XXXX and I am surprised that they can not accept the mistakes and accept the apology from XXXX XXXX. and they prefer to affect a compliant client. I am requesting that XXXX and XXXX be removed from my Credit Report, or the Credit Bureaus account removed. I will appreciate any help you can give me as the Services I received from XXXX was arrogance in not being able to understand that there was a situation that I had no control over. I am surprised by the lack of sensitivity received, since I complied with what was agreed, it was also my second paid vehicle. XXXX XXXX staff are arrogant and have little knowledge on how to treat their clients. I acknowledge that I am responsible for all payments, but can not be held responsible for the failure of others.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an error on my credit report with Experian. A charge-off account has been inaccurately reported by Experian and XXXX, but it was not reported to XXXX, despite the account being fully paid off. 

While the charge-off status is reflected on both Experian and XXXX, the account has been paid off, and this information should be updated on my report to reflect the accurate status. Additionally, the inconsistency among the three credit bureaus is creating unnecessary harm to my credit profile. 

I have provided the creditor with documentation showing that the debt has been fully resolved. Despite this, Experian has failed to accurately update my credit report to show the paid-off status of this account. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure the accuracy of the information in its credit reports. I request that you investigate this matter, correct the reporting error, and ensure that the charge-off account reflects its paid-off status.
Product: Debt collection

I was contacted by a debt collector named XXXX XXXX from ARA Asset Recovery in XXXX XXXX IL. He said they were trying to collect a credit card debt from XXXX XXXX that was about 15 years old. I made a one time payment to him of {$130.00}. They then sent me two " agreements '' with 2 different amounts due. I did not agree to this but they sent them anyway and kept calling me. These " agreements '' were very confusing and upsetting. I did not enter into any " agreement '' and told them I needed to get more information. I do not owe this debt.
Product: Credit card

I've consistently maintained timely payments on this account, preventing any occurrences of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. According to 15 USC 1666b - Billing Error, corrective actions should be taken.
Product: Payday loan, title loan, or personal loan

The interest rate is illegal that they charged me. And I made payments. Its has been noted it was illegal to charge that interest.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following accounts that do not belong to me : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with Chase under a {$300.00} promotion. After making the first deposit, Chase closed my account on XX/XX/XXXX giving me no reason why the account was closed. I had to call customer service to reopen the account and no reason or documentation was provided. I have made several deposits since then and still have not received the bonus promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that don't suppose to be there but TransUnion not trying to work with me or XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. This is not my account XXXX XXXX XXXX acct # XXXX
Product: Debt collection

There was a judgement filed against us by XXXX, on an account we have not idea about. The credit card company XXXX no longer exsists for us to verify. We had to make many calls just to find out how to pay it off, we finally were referred to Mel Harris Associates. They have been very hard to deal with. When my husband reached them to make arragements to pay this off, he recieved a verbal agreement on terms to pay and in return have this taken off our credit report. They said they would send a letter agreeing. We did not recieve anything for weeks and then he got an email later followed by a letter, the problem is the dates we agreed to pay were incorrect and the agreement to remove the judgement was not stated. He emailed numberous times along with calls, but no response. He finally called and spoke to a supervisor and was toold we did not stick to agreement and needed to pay that day. We insisted on getting a letter first and still have not recieved one. This was XXXX XXXX and XXXX. We have money to pay, but still not recieving necessry response.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : $ XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit card

A debt collection company name Midland credit management sent paperwork and garnishment for a credit card I've never had with XXXX XXXX. I explained to them never had card and is a card from XXXX it is now XXXX and I'm just learning of this. Garnishment was already applied without any correspondence from them this entire time until I received garnishment letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lendmark Financial Services and XXXX. 
I had a representative payee, which was paying on for me, then he decided to stop making payments
Product: Checking or savings account

I was notified by US Bank that my account was closed. I was not given a clear reason, nor was I provided with an opportunity to dispute or rectify any concerns. The abrupt closure resulted in financial hardship, as I was unable to access my funds and manage my essential transactions. 

US Bank failed to conduct a proper investigation before making this decision and did not provide me with sufficient notice to respond or provide supporting documentation. This action was unjust and potentially violates fair banking practices. 

Unauthorized Sharing of Personal and Financial Information Following the account closure, I discovered that US Bank had shared or sold my personal and financial information to a third-party collections agency without my explicit consent. I was not given prior notice nor an opportunity to dispute any claims before my information was transferred. 

This raises serious concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and consumer privacy laws, as my sensitive data was disclosed to a third party without my authorization.
Product: Credit card or prepaid card

My account has been in a hardship payment program since XX/XX/XXXX with monthly auto-payments. I've made every payment for a year. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/XXXX when XXXX XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since XX/XX/XXXX, I've made 4 calls to Citi Cards hardship department to have the monthly amount lowered as I can not make the current payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citi Cards acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
Citi Cards would not help lower the monthly payment amount over the phone & they sent me a letter saying they wouldn't help. 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/XXXX & to file a complaint with the CFPB.
Product: Checking or savings account

I am writing to file a formal complaint against BANK OF AMERICA regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified BANK OF AMERICA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BANK OF AMERICA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BANK OF AMERICA complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by BANK OF AMERICA.
Product: Consumer Loan

In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint. 

Please see attached for reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A incorrect error was placed on my XXXX, XXXX, and Transunion credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from XXXX XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of XXXX via XXXX mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my XXXX information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd TransUnion said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has said several times that the debtor has 100 % free reign and absolutely no accountability to the credit bureaus. Experian has said numerous times that no matter what the creditor has agreed to in writing, on phone, or what the XXXX XXXX says, that the creditor can say otherwise, and Experian will never under any circumstances counter this false information or contradictions by creditors. In insurance and financial arrangements, the business is held to what they put in writing and agree to, but Experian has even not made any efforts when XXXX previously falsely reported that I had a XXXX mortgage and agreed to fix the mistake. Clearly if Experian makes money and is only in business to blindly agree with creditors then they should return the billions made and not be a business because being a do nothing lap dog for creditors is something well... a dog could do. See below and what should be fixed on credit report immediately. Brought to attention of Experian and well see if what they have said and what I am reporting here is true to the extent that I say. 

XXXX Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting XXXX lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for XXXX XXXX to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These XXXX false XXXX lates on XXXX mortgages that were approved for loan modifications and more, caused considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other XXXX mortgage customers for a class action lawsuit and complaints to banking commissioner.
Product: Credit reporting or other personal consumer reports

i informed the credit reporting agencies of the inaccurate information on the account, they failed to verify the account as 100 percent accurate.
Product: Credit reporting or other personal consumer reports

I recentlly reviewed a copy of my credit report and noticed I had fraudulent account in my report.Please remove those account from my report they are hurting my ability to obtain credit. XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok we're back to trying to get Equifax to remove the credit providers report from my wife 's credit report. The providers report has already been removed from all four my credit reports and on three of my wife 's credit reports. We have provided the signed request from XXXX XXXX that indicates they asked this in a letter dated XX/XX/2021. We have sent nearly an half dozen complaints to get this problem solved, with there already being four complaints already sent to Equifax, who is the last credit reporting agency to remove the account with it still being on my wife 's account to this day. They have twice responded that an action was taking and an email was sent to us to show what action was taking. In those two last responses, the account is still present on the Equifax reporting only of the four reporting agencies. The letter indicates that the item is not showing with the second letter showing " THIS ITEM HAS BEEN DLETED FROM THE CREDIT FILE '' But when checking this for ourselves, the account is actually still there ( Not removed ). The listed previous complaints : XXXX - XXXX - XXXX - XXXX all seem at this point show that Equifax has no intent on removing the providers credit report from my wife 's credit file. 

I had also attached in some of the listed ( numbered ) complaints one of the letters the provider sent me that they had sent to request that all four credit bureaus to remove the account from our ( my wife and my self 's ) credit report, but for some reason and some months since the XX/XX/2021 letter from the credit reporting company 's request, that Equifax has for the past three months has failed to remove the credit account from my wife 's credit reporting, though the other three credit bureaus and Equifax has already removed this from my credit reporting, and that the other three credit reporting agencies has also honored the credit providers request to DELETE the account, with only EQUIFAX not honoring this request. So we've ben told to open one more complaint asking Equifax to DELETE the credit providers XXXX XXXX account.
Product: Debt collection

The collection account from Meade and Associates was for a medical bill to XXXX, XXXX Hospital which I paid directly to the hospital.