23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I enrolled in CareCredit ( Synchrony Bank ) back in 2017 with the purpose of paying for XXXX  XXXX. At the time of this report, I've learned that I was ( involuntarily ) enrolled in their " card security '' program. CareCredit claims that I did not opt of this program. Not only did I not have any awareness of their program until XXXX of this year, but I would've opted out given the option as it makes no sense to me. In sum, the company has been charging me for this fee since 2017 unbeknownst to me and as a result, my balance has accrued to an amount that exceeds the very purchase amount this card was applied for. 
The total amount ( current balance ) for this card security program totals XXXX ( fees plus interest ), which does not include past amounts I've paid to stay current with my balance. 

Please see attached copies of fees charged since XXXX. Unfortunately, all other statements were paper copies which I've disposed of dating back to 2017, but I'm sure Synchrony would be able to pull them up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sure I'm been hacked. This has been going for a wile. Identity theft. May be PayPal services. I've contacted them with success.
Product: Debt collection

Renton Collections , Inc. contacted me by phone on XX/XX/XXXX. The representative asked that I pay a debt for medical care. I told him I was unsure about owing this debt, so please send the bill to me. The representative continued to call me, despite my request. He called me two more times on or about XX/XX/XXXX and XXXX, XXXX. Again, I requested a written statement. Renton Collections did not provide a written statement until XX/XX/XXXX. ( see attached ). The notice was not provided in the five day window as required by section 809 ( a ), nor did it provide the information listed in 809 ( 3 ), ( 4 ), or ( 5 ). 

I disputed the debt and made two written requests for proper validation of the debt after being contacted again by Renton Collections. I have proof of delivery of my requests. My requests were ignored for over a year. 

On XX/XX/XXXX I received a letter ( postmarked XX/XX/XXXX ) from XXXX XXXX at Renton Collections, enclosed in the letter was a copy of a document.This information was not provided during the five day window as required by section 809 ( a )., and the letter included a phone number never used by the original creditor. More importantly, the statement clearly indicates that I had a {$0.00} balance. 

Renton Collections also knowingly failed to comply with Washington state law RCW 19.16.250 that requires debt validation notifications include a very specific list of items. Many of those items were not included in any communication I received regarding this matter. 

Renton Collections Inc. has not complied with federal or state law, because this is not a valid debt. They are sending documents to me and using legal language that do not actually satisfy their legal obligations under federal or state law, but are designed to deceive and intimidate me into paying money that I do not owe. I would like this harassing behavior to be exposed and stopped.
Product: Vehicle loan or lease

This company blatantly fooled me with this car. The interest rate was higher than I had agreed to. I was told that once I made my payments on time that I would be able to trade in my vehicle for something else. I tried, however that was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out via certified mail and it was received on XX/XX/2022 to Experian about inquiries put on my report without my consent in XXXX of 2022. This violates 15 USC 1681b ( i ) stating that " the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ''. I did not comply to such reporting. It was never written in consent to Experian. 

I have attached a letter from Experian dated on XX/XX/2022 that denies they did not do anything wrong and stated that they are required by " Federal Law ''. This is a false statement due to the code published above where this reporting requires my written consent that they do not have obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the three big credit bureaus XXXX, XXXX, and TransUnion on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I got my results from XXXX and TransUnion removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. XXXX removed some items but failed to notify me about the verification and did not send me a credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX CARD Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX   XXXX {$4300.00} XXXX  XXXX XXXX {$1800.00} XXXX  XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}
Product: Debt collection

CFPB stated repeated claim was closed due to a response from the Shellpoint ( NEW REZ LLC ) a Debt Collection Agency. Just because the company responded does not close the case ( XXXX ). I am a mortgage payer, who pays on time and constantly being harassed or penalize when insurance information has already been submitted. I am being treated unfairly. The company is trying to place a lender-placed hazard insurance payment to my mortgage payment. The unit is covered by Condo HOA & Personal Homeowner Insurance. There is no lapse in policy as company is stating. Insurance information has been faxed, emailed, or upload to website annually when requested. If there had been any damage to the condo ( inside or out ), the condo would be covered. The debt collector agency is double dipping insurance policies and trying to make me pay. Request is to end lender-placed hazard insurance. Until the issue is resolved the complaint remains OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, Equifax, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

" 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer rvice and unfair practices, which violate e Consumer Financial Protection Act FPA ). Specifically, Cash App failed to take nely and effective measures to prevent and dress fraud on their platform, leaving my ; count vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian concerning unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Experian, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed.

I have formally disputed these inquiries with Experian, as documented in my letters to them over the past years. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report.

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Product: Debt collection

these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to SLS, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code XXXX. I hire XXXX XXXX attorney on XX/XX/XXXX he file bankruptcy because SLS, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer SLS its been sued for my attorney case # XXXX. XXXX its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an inversionist I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I just logged into my credit reporting account and there appears to be a collections on my record. I do not have an agreement with LVNV FUNDING LLC and do not know why this shows up on my credit report! This collections record shows up as having been in effect since XX/XX/2023 and I see that this collections record has been documented as of XX/XX/2023. I want this erroneous collections record removed from my credit report removed immediately.
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I noticed an account listed from this company with a {$3300.00} balance. I have disputed this information multiple times, as I do not know where the account came from, or where the funds were received. Not only do I not recognize this account, it is also reporting inaccurate information, which is against my rights as a consumer. 
The date of last activity is incorrect. There are two different opening dates being reported on my credit report as well. And on top of that the status of the account is still not accurate, even after directly disputing this information multiple times. According to section 1022.43 ( a ) ( 2 ) of Regulation V in regards to direct disputes, it is law that these disputes be investigated. It is my right as an American consumer to have an accurate, and complete consumer report. I will be providing documents to support the evidence that my claims were ignored and my disputes were neglected. If you look at the XXXX results, they clearly say how this information in verified by furnished as accurate, yet theyre still reporting inaccurate information.
Product: Student loan

My private loan balance is now {$87000.00} with the lender Navient. My student loans consist of two Signature loans- one of {$51.00}, XXXX ( original principal was {$18000.00} ) and the other of {$35000.00} ( original principal was {$13000.00} ) both with a 15 % interest rate. 

I can not make the original monthly payment to Navient as I have been in a financial hardship for years and I can not keep up with the payments as the interest has buried me in these loans and I owe way more that I have borrowed. 

My loan was for the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX in XXXX  and was told in admissions at the school that the degree from that XXXX XXXX XXXX was highly sought after in the worldwide XXXX  XXXX  industry, and especially in XXXX XXXX, I would have no trouble landing a great, high paying XXXX XXXX  job if I completed the course. I learned that this is not true as the degree is laughed at the kitchens I worked. 

A few years ago, it was finally revealed that the for-profit college XXXX XXXX XXXX had nothing to do with the school of the same name in XXXX and that the XXXX XXXX  XXXX purchased the name and began sprouting campuses where they got in trouble and finally went under for misleading promises to students and shady business practices. XXXX XXXX XXXX is now defunct where my XXXX, along with everyone else 's who attended, has no value. 

I have tried to work with Navient with an income-based repayment plans throughout the years and have had trouble fulfilling even that. I asked if I could please place my loans in forbearance, but they say I can not do that. They also state that I do not qualify for any type of forgiveness programs for these types of loans as I have never defaulted and they will take legal action if I do not make the monthly payment they calculate - even though the payment they come up with is more than I can afford. These loans which are being managed by Navient are ruining my life. 

I finally obtained a job with some future promise 4 months ago but still need a financial breather. Navient has made it clear that they can not work with me as I wished to pause my payments until I can get on my feet. I am a XXXX father of XXXX, living in a 2-bedroom apartment, on government food assistance, still can not make ends meet, and am constantly borrowing money from family members each month to survive. 

The constant calls and XXXX  that Navient gives me is harrowing. My health is suffering under the stress and I do not know what is going to happen financially if I can not pay my regular bills and take care of my kids or what this stress is doing to me mentally. I am having trouble providing for my family and I am deeply frightened of the future. 

Please look at the pics I am uploading. Who can afford that?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX has violated my rights. 
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.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Wells Fargo Visa credit card to purchase a XXXX XXXX XXXX trip that I was solicited via telephone. When speaking to the sales person I inquired about the various places I would like to travel to, for example XXXX, XXXX, XXXX, and XXXX. I was told yes they had resorts in those locations so I proceeded to purchase the package for {$1100.00}. This was the first time I used this credit card. I called the credit card company on the day I made the purchase because the card was turned down. In speaking with the credit card customer service I asked if I changed my mind in a couple of days could I cancel the purchase, this was on a Friday evening so I had the weekend to change my mind. That Monday morning I called the credit card company to cancel the purchase because I had recieved an email with the various resorts they offered. None of the locations I had requested was included in the resorts. When I called XXXX XXXX XXXX about my concerns I was told they may offer resorts in the areas I was interested in at a later time. I informed them I wanted to cancel my trip. On that same day I called my Visa Credit card and requested they cancel the purchase. I was told that the purchase did not show on the card and that they would cancel but I should follow up in writing. I faxed them in writing the reason for my cancellation. In XX/XX/XXXX the charge was deleted from my account. In XX/XX/XXXX this charge reappeared on my XX/XX/XXXX billing account. I called the Visa Wells Fargo to see why they put it back on my account. I was told something about a third party charge and they would not take it off. They insisted that I use the trip. When I tried to book my trip around XX/XX/XXXX ( trip expiration is XX/XX/XXXX ) I was told by XXXX XXXX XXXX that my trip was under dispute and I could not book it. Once again I contacted my Wells Fargo Visa credit card company to help me resolve the dispute issue. On a three way recorded call the credit card company told the Vacation sales person that they had charged me the amount and they had been paid. After much discussion, the credit card company agreed to send written documentation that they had paid the trip and that I was being charged. I still have problems about getting information on the various resorts and what is offered at the resorts they offer. I no longer trust this company and because I had initionally requested the credit card company cancel this charge ( before it was charged to my account ) it should be removed from my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 dispute letters to both First Source, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.