23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The bank is Synchrony, this is the 4th credit card Ive had through them ( They seem to have taken over credit solutions from a number of smaller banks ). Synchrony Bank has caused my credit score to plummet by cutting my credit limits down to whatever the owed amount is on the card ( 29 % credit usage to 94 % usage ). 

Synchronys justification is that based on their computer modeling, I may miss a credit card payment one day. This is absolutely ridiculous and through searching online I see that this is a common practice even with customers with no credit utilization their accounts. Synchrony alone has caused my credit score to drop by XXXX points over the last 6 months due to their what might happen one day practices.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX  XXXX ), ( inquiry : XXXX XXXX XXXX  ), ( inquiry : XXXX XXXX XXXX XXXX ), ( Accont : XXXX XXXX XXXX  ), Account : XXXX  ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed
Product: Credit card or prepaid card

I have been disputing two charges with CapitalOne since last XX/XX/XXXX. ( CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX   ) The dispute regards two Charges : One made XX/XX/XXXX for {$1300.00} and the other made XX/XX/XXXX in the amount of {$1200.00}, Totaling {$2500.00}. The merchant was XXXX XXXX The first charge was made XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX to purchase a treatment given that day, and future treatments. I disputed this charge because the merchant did not get back to me despite my repeated efforts to schedule future appointments.

The second charge was made XX/XX/XXXX because the merchant called in such a fury that I was intimidated into giving her my credit card again. This time the amount was {$1200.00} because I had sent a check in the amount of {$100.00} to cover the treatment that I had received on XX/XX/XXXX ( {$75.00} plus a {$25.00} tip. ) I provided 30+ pages of emails and letters CapitalOne showing my efforts to either be reimbursed or to receive gift certificates from the merchant. The owner XXXX XXXX even alluded to bringing the certificates for treatments to me in XX/XX/XXXX. There was always a strange excuse for why they were not brought to me, including that she did not know where the place I was working was, despite the fact that this is a very small town and the place was just 3 blocks from her salon, on the same street. Since then, the business is closed and I can not locate the merchant.

I also sent certified letters to the merchant, which were returned, and contacted XXXX XXXX XXXX  ( they received no reply from the merchant ), and sent a friend to the place where I received the treatments ( the business is no longer there. ) During this time I have made every effort with CapitalOne to remove the two charges, but I have had no success. Each time I called, I had to rehash the same story to a different person. I received no services for the two charges which total {$2500.00}.
Product: Debt collection

FCI LENDER SERVICES, INC. CONTINUES TO PRESURE ME BEYOND THE STATUTES OF LIMITATION OVER 7 YEARS TO COLLECT ON A DEBT THAT IS NOT THEIRS AND THEY CLAIM I OWE THEM SOMETHING WHERE WE DO NOT HAVE A CONTRACT. ONE IT IS UNDERSTOOD THAT A BANKRUPTCY [ certificate of discharge notice in my possession incorporated by reference XXXX : XXXX ] WAS CLEARED IN XX/XX/XXXX THE MATTER AT ISSUE WAS AROUND XX/XX/XXXX AND IT IS NOW XX/XX/XXXX ...? 4 YEARS HAS BEEN CAME AND GONE AND THEY ARE STATING THEY ARE MY LENDER OUT OF THE BLUE. WHICH IS MISREPRESENTATION, FALSE CLAIM AND I AM BEING THREATENED AND SLANDERED. THE CONTINUED WRONG DOINGS, BAD BEHAVIOR AND VIOLATIONS OF NOT ONLY STATUTES, THE LAW AND CONTINUED VIOLATIONS OF FDPCA, NEEDS TO BE ADDRESS TO THESE CRIMINALS..
Product: Debt collection

XX/XX/XXXX, {$950.00}. 
XX/XX/XXXX {$620.00} I was not notified no this debt is affecting my credit and Im living with my mom and cant get a mortgage. I reached out and they were not helpful.
Product: Checking or savings account

We hereby file a complaint against WISE for their actions. 
The facts : We opened a multi-currency bank account for our company with WISE in XXXX. 
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries. 

In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company. 

Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XX/XX/XXXX. 

What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems. 
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX up to the date of closure of the accounts, then liquidation ). 

In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license. 

We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license.
Product: Mortgage

I keep getting letters in the mail stating I owe money when the mortage was paid in full.I have called several times and it gets no where. I also haven't recieved my extra funds from when I paid the mortage in full cash.
Product: Credit reporting or other personal consumer reports

My ex used my information to open up credit card accounts without my knowledge, she then maxed them out and i was not aware. This is a clear case of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX Equifax : Re : Pre-Arbitration Demand Discrepancies in Credit Reporting of [ Creditor Name ] Account Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention some serious discrepancies in the reporting of an account listed on my credit report. The information reported by Equifax, as well as other credit bureaus, regarding the XXXX XXXX account is inconsistent and appears to be the result of identity theft. I am attaching two exhibits to support my claim and have also submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

I request immediate investigation and resolution of the following discrepancies related to the XXXX XXXX account : Inconsistent Account Open Dates : The credit reports from all three major credit bureaus ( Equifax, XXXX, and XXXX ) show different account open dates for the XXXX XXXX account. On my Equifax report, the open date is listed as XX/XX/2023, while on XXXX and XXXX reports, the open dates are shown as XX/XX/2023 and XX/XX/2023, respectively. This inconsistency raises serious concerns about the accuracy and legitimacy of the reported account. 
1. Identity Theft Report to FTC : On XX/XX/2023, I filed an Identity Theft Report with the FTC XXXX, providing all relevant details about the fraudulent activities related to the XXXX XXXX XXXX XXXX account. The FTC has acknowledged my report and is actively investigating the matter. I expect Equifax to cooperate fully with the FTC and provide any necessary assistance in their investigation. 
Exhibits : Exhibit A : Equifax Credit Report showing XXXX XXXX account details and discrepancies 1. Exhibit B : Identity Theft Report filed with the FTC I demand that Equifax takes the following actions immediately : Conduct a thorough investigation into the discrepancies surrounding the XXXX XXXX account and update the information on my credit report accordingly, consistent with the findings of the investigation.

1. Remove any negative remarks or notations related to the disputed account while the investigation is ongoing.

2. Provide me with a detailed written explanation of the results of the investigation once it is completed.

3. Coordinate with the other two major credit bureaus, XXXX and XXXX, to ensure that the information regarding the XXXX XXXX account is consistent and accurate across all reports. 
Failure to comply with this pre-arbitration demand within 30 days of your receipt of this letter will leave me with no choice but to pursue legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Please be aware that such legal action may result in Equifax being liable for statutory damages, actual damages, attorney fees, and costs. 
I expect prompt attention to this matter and request written confirmation of your receipt of this letter and your acknowledgment of the ongoing investigation. You may reach me at XXXX for any communications related to this dispute. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/26 I am trying to transfer the remaining balance on this card to a reasonable rate card. I have paid down from XXXX to XXXX and would like to move the rest. A couple of years ago XXXX XXXX eliminated my credit balance so I destroyed the card but continued to pay the card on time each month. Without the card, I do not have the account number. I assumed I could go to the website and get my account number. The web site only has the last 4 digits and does not have an alternative account number to the Credit card. So I called customer service to get the account code, they stated that they could not access the account code either. They offered to re-issue the card but since they closed the account when the set the credit limit to XXXX - they could not reissue the card. THEREFORE I AM OUT OF LUCK. I assume since they so not have the ability to give me my account number they no longer are expecting payment. Please verify.
Product: Debt collection

I am XXXX and was forced to retire for a medical condition, I talked to XXXX XXXX  Collection Attorney, told him the reduced payment that I could afford living on Social Security and a small pension, he said his client, XXXX XXXX would accept a lump sum, I don't have any sum in savings or checking. They continued to sue me in court, I have had documents about a court XXXX hearing XXXX  times now, then every week or so XXXX XXXX sends me information about my credit score ... I'm old  and I can't take the mental anquish. My car has a XXXX year note still, my name is on a home owing XXXX dollars that was discharged in a bankruptcy, that my ex husband pays for. We have a verbal agreement I take care of the house, but it's his. I had to file with you, my stomach is in knots, this company is always reminding me about my credit score. I tried to pay a reduced payment that I could afford, they wouldn't accept that. Please help, I have to save for a year to get the XXXX dollars to file a XXXX XXXX, thats the attorneys cost. I get a total of XXXX a month to live XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 694 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

L J ROSS ASSOCIATION XXXX is owed from XXXX XXXX XXXX and it was opened, XX/XX/XXXX, XXXX this is not mines i been trying to get this off of my credit report for a while. i never had a apartment before so could i even have a electric bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX the original creditor, has also refused to respond to any form of communication, including XXXX  and CFPB inquiries. XXXX XXXX XXXX XXXXXXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges! 

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct. 

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing XXXX, XXXX, and TransUnion to investigate thoroughly and consider all the evidence provided. 

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX
Product: Credit card or prepaid card

I got an offer to refer a friend to the chase marriott credit card and that I would receive 40,000 marriott loyalty ( XXXX ) points if my friend opened a credit card. I took advantage and referred someone who opened a new card. This was back in XXXX and I still don't have my bonus points. I've spoken to no less than 5 different chase representatives who have all given me different responses as to why I don't have my points. Responses include : I don't know ; your friend did not open a card ; your friend has to open a marriott account as well as a card ; your friend has to stay at a marriott hotel before you can get the points ; the deadline for the points to arrive hasn't passed yet, they are still being processed ; your points have been transferred, it is no longer chase 's issue, it is now marriott 's issue. I have spent many hours on hold and on the phone trying to get resolution but, I still don't have resolution. I feel like chase duped me and my friend into a promotion that they are not able to honor.
Product: Credit reporting or other personal consumer reports

XXXX is reporting to chex systems that i basically wrote a fraudulent check wth no proof of the check nor the purchase agreement. ive disputed with XXXX and chex systems as well. that this was not my doing. they are reporting fraudulent activity on my behalf but in actuality is on their 's. XX/XX/year> is the date in question ... in the amount of XXXX
Product: Credit reporting or other personal consumer reports

My grandfather passed away recently and I have been under a lot of stress. For the first time in years, I missed one payment on a credit card which was the XXXX  card. It was for {$40.00}, and I never would have missed a {$40.00} payment had I not been going through what I was going through personally. I contacted XXXX and Told them about the situation, and promptly paid off the entire balance not just the past payment. They removed the late fee, which now brings my balance to negative {$40.00} or {$40.00} in credit. If you look at my past record of late payments on any of my accounts you will not see any late payments related to any of my credit card accounts. All three of my credit scores went down tremendously due to one late payment. I contacted XXXX and Equifax and provided them with the new balance and the information given by XXXX. However, my credit score has yet to improve. I have been locked out of the XXXX account for the 5th or 6th time, therefore I've had no communication at all from them. This is absolutely ridiculous that that my credit score dropped XXXX points over one late payment and they are so quick to drop your score, yet don't raise it again when you give them proof of what occurred. The credit bureaus are a scam. I also pay a fee every month for experience and have added numerous bills to their boost program, and not one time has my score risen. It is absolutely ridiculous what they do to people, especially those dealing with a close relative that passed away who is already going through a very hard time in their life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided copies of cancelled checks to XXXX XXXX as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested XXXX XXXX remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX XXXX XXXX decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and XXXX XXXX increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX XXXX XXXX reported additional missed payments and XXXX XXXX continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.