23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

HSN Card through Synchrony bank..hsn.syn.com..I purchased lotion on XX/XX/XXXX for $ XXXX made a payment XX/XX/XXXX for {$16.00} and XXXX more payments of XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX equaling $ XXXXHSN has harassed me since XXXX saying that I owe the last XXXX of $ XXXX have called them, I have sent them proof that the last payment was made in advance so that I could close the account..they keep sending emails that I owe and on XX/XX/XXXX they sent a letter stating I'll be going to collections..I turned them in to XXXX  and in my last email to XXXX asked HSN to stop contacting me, and here we are again with them contacting me. I have XXXX and I want this to stop!! As you can see from their letter..my HSN account # XXXX. I cut up my card so I don't have the card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Student loan

Great Lakes is reporting to credit bureaus past due 120 days and it 's keeping me from getting a mortgage loan ( buying my home ) I have been paying on time since I have been employed ( I lost my job and could pay that 's what caused delinquency ) I requested in good will for the derogatory old remarks to be deleted. To date they report. Please help the loan is transferred/closed and I 'm paying through my fed loan servicing because I 'm now a federal employee
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off on XX/XX/2022 to XXXX XXXX. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the school went out of business and declare all debt uncollectable
Product: Mortgage

We settled a dispute with Chase regarding a mortgage loan on XX/XX/XXXX. They had n't reported on the loan to the credit bureaus since XX/XX/XXXX. Then, on XX/XX/XXXX, they reported us XXXX days past due. We do not even have a loan anymore with them to pay, yet alone be behind on. This is in clear violation of the Fair Credit Reporting Act, and yet one more malicious act on their part. I contacted Chase 's attorney to request removal and correction ; only to be ignored. This account needs to be reported as closed with a remark as settled for less than full balance per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, Capital One has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that Capital One had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to XXXX, XXXX, XXXX, XXXX. 
Capital One has also furnished deceptive forms pursuant to XXXX XXXX XXXX XXXX via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ).

The account with Capital One was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States .

Capital One 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961.

Capital One has never made amends nor has Capital One provided me non-equitable relief for my current account or new one created. In addition, Capital One has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with Capital One.
Product: Credit reporting or other personal consumer reports

I do not approve these requests and they are not relevant to my financial transactions. I'm demanding that they be removed from my credit report immediately.
Product: Debt collection

Went to landlord tenant court with former landlord over dispute about them not remediating toxic mold in apartment and us having to leave everything behind because it was unlivable. Won in court. They were ordered to let us out of our lease and give us back our security deposit. They gave us nothing and tried to bill us XXXX dollars for removal of belongings we had to leave behind them sold the debt to IQdata international I believe fraudulently. Then when iq data contacted us we requested debt verification through certified mail back in XXXX. Received NOTHING from them. Called to ask them to take it off our credit they said simply no well take it off if you pay us
Product: Credit reporting or other personal consumer reports

I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Product: Debt collection

The options your form brought up did not provided the correct options for me to select. I was sent a letter from XXXX XXXX XXXX that I owed a specified amount to XXXX Hospital. I attempted to contact Credit Adjustments on 4 different occaasion during a 2 week period and was advised that they were unable to help me. I attempted to make a payment arrangement with them on each of these occasions and were told that I was not able to do this over the phone, i could only do so by filling out the form on the back of the letter that was sent to me, i advised them that I moved and the letter was not in my possession since my move. I was advised that, this was the only way to stop the garnishment. I contacted the court and asked the court if they were able to send me the letter of judgement against me to work something out with Credit Adjustments, i was advised by the courts that i should have been able to work that out with Credit Adjustments. I explained that i had tried 4 times and they wouldn't work with me, only that i had to fill out the form on the back of the letter. The court then gave me the lawyers name and phone number and advised that he would work with me. I called XXXX XXXX XXXX in XXXX, OH and was at first advised by his paralegal that they could not take a payment arrangement, that i needed to contact XXXX XXXX XXXX to make them. I advised that i made 4 attempts to do so and they would not work with me, she then advise that XXXX XXXX contact me back to discuss. from this conversation, he advise that when I received the garnishment paperwork from my employer that i could then file for a hearing that i disagree with the garnishment and another hearing would be made and he would consider a reasonable monthly amount at that time. I filed for a hearing and took vacation time to attend this hearing. When i arrived at the hearing, XXXX XXXX did not show up to court and only sent a letter to the judge stating he didn't see a reason for the hearing and asked the judge to keep the garnishment in effect. The judge had no way to decipher if i was telling the truth that XXXX XXXX was the one who had me schedule the hearing so that i could propose a more reasonable amount for my income as the law is set to take 25 % of employees disposable income, not taking into consideration, they have rent, car, insurance and utility bills to pay. I am seeking assistance from a Credit repair company and they upon hearing what had happened advised me to contact you and advise of my mulitple attempts to make payment. I had previously filed and gave all the pertinent information regarding Credit adjustments and your office had been unsuccessful in obtaining information from Credit Adjustments and had asked me to send in a copy of soemthing with Credit Adjustments address and phone number on it. I mailed the documentation on XX/XX/XXXX and somehow you never received it. The Case # is XXXX. I was advised by one of your reps to submit a new complaint and attach the documents to the new complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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 an account without my written instructions
Product: Debt collection

In XX/XX/year> while observing my credit a company ( Credence Resource Manage ) falsely reported to my credit report that XXXX  owe {$2400.00}. XXXX ask them to provide a contract with Credence Resource Manage and XXXX wet signature. They have yet to provide that information to me and by law if they cant, it must be removed, IMMEDIATELY. XXXX has never heard of this company therefore XXXX know theres no contract.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/2024 i received an alert from XXXX XXXX regarding a decrease in limit from Synchrony/Amazon , which said my limit will be lower from {$600.00} to {$310.00}. This now leave me with {$15.00}. I have always paid on time and above the minimum payment. The letter said I had no real estate, collections and high limits, which was on my credit report when I applied over a year ago. This also plummets my credit score because my debt to ratio now is over 85 %. I have {$290.00}, my limit was {$600.00} and NOW its decreased to {$310.00}, with a {$290.00} balance with {$15.00} left. This is unacceptable and my credit limit needs to be at {$600.00} again. This is a bullying tactic to forcible close my card like they did with my XXXX XXXX because I didn't use it for six months. This act plunged my credit score by XXXX points. Synchrony is doing it AGAIN! When you answer if you are XXXX, which I am this is a disservice to XXXX and XXXX Americans. Studies have shown XXXX and XXXX Americans have a hard time getting approved, maintaining and getting credit increases. This is not acceptable behavior following the Truth in Lending Act. Now my credit score with be affected again with only {$15.00} left to spend.
Product: Checking or savings account

Citibank has not refunded me money from my closed checking account where XXXX funds were stolen. I filed a dispute twice about 3 amounts that were taken from my checking account. {$420.00}, {$360.00}, and {$620.00} These thieves hacked my account deposited money and then withdrew it. This type of fraud is covered under regulation E and the bank is supposed to restore money to the customers. Citibank is an XXXX bank and customers ' money is insured. 

Citibank needs to refund my money back from this stolen XXXX fraud. {$1400.00} is what Citibank needs to refund me. Customers can no longer see their accounts and Citibank should send me a copy of my bank statement.
Product: Credit reporting or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I entered the XXXX XXXX Bank of America branch requested to withdrawal {$1500.00} from my checking account ending XXXX. XXXX XXXX there was nothing she could do for me Bank of America chose to close the account and a cashier 's check would be mailed. I advised her that I'm attempting to resolve this matter and have my funds disbursed me to via a teller at the branch. She again stated there is nothing she can do the account id closed.
Product: Credit card

I am having an issue getting approved and receiving pre-approved offers for credit cards and loans from Synchrony Financial via XXXX XXXX, XXXX Mail or email. I want Synchrony Bank to send me pre-approved offers for credit cards and loans via XXXX, XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Checking or savings account

On a XXXX  you are told the benefits are : 1. Funds contributed are pretax and you wont be taxed on funds spent on your healthcare. 2. Funds that are not spent do not lost at the end of the year. 3. You will earn interest on that contributed funds. 4. Contributed funds are yours for use regardless of employment status, the company you work for, and through your retirement. 

What isnt disclosed is that, in scenario 3, to maintain the account, the bank will charge a monthly account maintenance fee that is higher than the interest earned. If you choose to withdraw the funds from the account, you are then penalized at a higher tax rate by the IRS. 

I am paying for XXXX  coverage and was told that XXXX is not covering the charges for my HSA. 

This is a total scam! An employee may as well take the XXXX with the upfront tax break for the amount they will use each year.
Product: Debt collection

I previously had a complain against this company but they did not sent me what I requested. the complain number is XXXX Their answer doesn't solve my case, it seems like they didn't understand what I said, I'll explain again, the product wasn't delivered, you're charging me for a product that wasn't delivered. Please, if you have proof of delivery, send it through this conversation, if not, you can write off this debt.
Product: Vehicle loan or lease

Last XXXX I leased my XXXX XXXX XXXX. Immediately after lease the radio and screen in the car quit working and would come on and off as I would drive. Rather than take it in for repair, I decided to continue going to work because I could not be without a vehicle. 

From there, the car engine blew on the way home one day and I was forced to have it towed. XXXX did very little make sure I was okay or had a vehicle to work with even though their new vehicle broke down on me and was fully paid. I was without my car and then also did not have a loaner until 10 days later. Due to the fact that I was forced to pay for a vehicle I did not have, I could not afford a rental car and that is what XXXX was telling me to do. Pay for a rental out of my pocket and they would pay it back. Which seems incredible unfair to the blue collared worker or someone who is paycheck to paycheck. Because of this I was forced to go without a vehicle and miss days of work because of it. 

Then in late XXXX XXXX I received my vehicle back with a " new engine ''. Upon receiving my new vehicle I was already hesitant to drive it and did not trust it enough to take it on the highway. Instantly when getting the vehicle returned I knew something was still wrong. I called XXXX every single day leading up to my car engine going out for the SECOND TIME in the middle of the road. Luckily I was able to turn the car off, then back on and get home, but never over 40mph. The following day I had the car towed and the dealership informed me they could find nothing wrong and that the memory card had no recollection of the issue and the XXXXCheck Engine Light ' had also not come on. So then I was informed to go get the vehicle once again and use it. 

When I returned to the dealership XX/XX/XXXX to pick it up, I was informed the vehicle had issues when one of the technicians drove it so my story was finally viable and they were going to keep it. Again, leaving work early and missing out on hours when a phone call could have saved everything. Simple mistake so not that big of a deal, but once again no loaner was given so I had to XXXX to work once again, taking money out of my pocket that should be XXXX 's. Now XXXX is sending out a field technician to look over the vehicle in an attempt to fix it. Mind you this has been going on for 3 months now and all three months I was forced to pay in full with XXXX not trying to help AT ALL. I have contacted them over XXXX times, maybe daily and have just now turned to the help of other organizations. My case should have been escalated long ago and this company is taking advantage of the every day blue collared worker.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan with XXXX XXXX belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last XXXX : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.