23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony bank closed an account with someone's personal slanderous, maligning opinion. " Activity in account ( s ) with synchrony bank indicative of high risk of " failure to pay. '' Account they are referring to has never had a late payment ever and I did NOT enroll this account as I felt justified in paying entire amount. Second I am in a structured debt settlement program, in which I have already settled 75 % accounts with these bloodsuckers including their " inflation '' charges. They put another negative statement on my credit where it would have shown I paid it all off and closed in good standing. If I were at high risk of failure to pay, why are they getting paid above principal on amounts they have jacked up another 30 % bs fees on? This company is NOT willing to work with consumers. Until you bring in a third party, they are worthless. This company is an ambulance chaser buying up all credit card companies, putting the working person in financial bankruptcy. I could have filed, or just not paid a dime and let them write them all off. Really motivates me to NOT want to pay these vampires another dime on any remaining accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor were created to ruin the consumers LIFE and get paid. 

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed in dispute letters for the 3rd time this year, and a full investigation havent been done and my request for proof havent been sent.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 3 accounts with XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with XXXX for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?
Product: Debt collection

I was served papers that I was being sued by Credit Corp Solutions Inc. on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After Credit Corp Solutions Inc. attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing Credit Corp Solutions Inc, through XXXXXXXX XXXX XXXXXXXX ), she showed me that the debt was through Care-Credit, XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for Care-Credit, {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The Judge found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my Care-Credit Card was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either Credit Corp Solutions inc. or XXXXXXXX XXXX XXXXXXXX to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to XXXX XXXX  XXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX XXXX XXXX. They had no right to send my information to multiple sources.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a PayPal account in the amount of XXXX. After numerous calls to XXXX XXXX and PayPal- I was told by PayPal that my account was paid in full and never turned to any collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I paid {$460.00} to XXXX XXXX via the XXXX XXXX XXXX  The same day an unauthorized third party attempted to wire funds from my XXXX checking account for over {$3000.00}. Because of this, XXXX XXXX completely shut down my account. Still, to this day, my account is being investigated by their asset management department, and I have lost all access until the investigation is final. Since I have no access, I had no way to verify that the payment to XXXX cleared other than to rely on XXXX themselves. 
To do so, I utilized the XXXX XXXX  which I have relied on for the last three years, to make my payments and view my payment history. I logged in multiple times to verify that the payment was showing that it did, in fact, clear and there wasn't a payment owed. It was only in the following month, when the next payment was due that it reflected that I owed two monthly payments. I immediately made both payments and contacted XXXX. At the time, I was advised that everything was current, and I had nothing to worry about regarding anything reporting to my credit negatively. Two days later, on XX/XX/XXXX, I received a notification from my credit monitoring software that a late payment was just reported to my report, and my score dropped XXXX XXXX 
Again, I immediately called XXXX and was told by the representative that he does see the XX/XX/XXXX payment, and he will submit this to the " Credit Department '' to remove this from my credit report. He advised me that it could take 45 days and suggested that I submit a dispute to help speed up the process. He then gave me a reference number to include in my dispute ( XXXX ). I immediately filed my dispute with the credit bureaus and followed up numerous times within the following weeks. 

On XX/XX/XXXX, I received a notification that XXXX had deemed the late payment valid and would not be removed from my credit report. I again contacted them immediately and spoke to two representatives that stated their credit department was not seeing the XX/XX/XXXX payment and requested that I send a screenshot of the payment history showing the XX/XX/XXXX payment. I sent them the screenshot and followed up via their instant online chat to ensure the requested document was received. The representative confirmed and called me to advise me that she would be escalating the matter to the appropriate department to ensure that this is resolved. On the same day, I emailed XXXX XXXX, the Director and Auto Executive of Customer Relations at XXXX, and am still awaiting a response. I can not access my bank account or statements due to XXXX XXXX XXXX  investigation. 

This is not a mistake on my end. I have done all my due diligence in an attempt to get this matter rectified with no response. This has not only been detrimental to my perfect credit that I have worked extremely hard to build, but it is also preventing me from getting a XXXX XXXX that I have spent almost a decade in college to obtain.
Product: Credit card or prepaid card

see CFPB XXXX XXXX XX/XX/XXXX & XXXX XX/XX/XXXX CFPB RESPONSES USAA DISMISSED COMPLAINTS ( ** Two Fraudulent Credits Cards Opened in my name. ) Using my USAA PROFILE.  USAA DENIES IN CFPB RESPONSES. See attatched 1099-C CANCELLATION OF DEBT Account MC XXXX XX/XX/XXXX. THIS IS THE ONE AND ONLY CREDIT CARD I HAVE OPENED WITH USAA. SEE attatched USAA XX/XX/XXXX Confirmation Settlement card  XXXX XX/XX/XXXX. Kindly Note the VERY NEXT MONTH XX/XX/XXXX AFTER THIS WAS SUPPOSED TO CLOSE TWO NEW CARDS OPENED A MC END XXXX & A VISA END XXXX. USAA used my private data in my profile from this account to OPEN TWO FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME. see Attatched Statement ( MC end XXXX {$100.00} ) THIS WAS OPENED WITHOUT ANY VERIFICATION IT WAS ME. NO SIGNATURE NO DRS LICENSE NO AUTHORIZATION OR APPLICATION FROM ME. see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} DATE XX/XX/XXXX card VISA end XXXX. I DID NOT APPLY SIGN FOR OR AUTHORIZE THIS ( VISA CARD ENDING XXXX ) EITHER. TWO OPENED BY USAA FRAUDULENTLY using my private profile data. USAA DENIES ANY FRAUDULENT ACTIVITY. NO USAA PERMANET CREDITS WERE PROVIDED. USAA REVERSED {$3000.00} of Merchants Credits USAA never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX  XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do.
Product: Vehicle loan or lease

I have tried to discuss this matter by mail and phone since XXXX XXXX. There are multiple violations within my contract agreement. I have an arbitration clause in my contract and I would like for Ford Motor Credit to honor the dispute I have with my contract. They have threatened to repo my vehicle for nonpayment, but I have a contract issue that needs to be rectified. My issue is the entire contract is operating under fraudulent intentions according to the Security Agreement the company signed. They have to abide by these four codes 17CFR 230.425/ 17CFR 240.14a-12/ 17CFR 240.14d-2 ( b ) / 17CFR 240.13e-4 ( c ). They have not been transparent with the language in this contract. I would like to dispute the issue and prove the fraudulent act.
Product: Bank account or service

USAA has blocked access to online website as well as closed my checking and savings as well as prohibited me from opening new ones. They have picked an arbitrary date for me to be able to get out of punishment for executing my constitutional right to file Chapter XXXX. The further discrimination and harassment for such a long time following a major financial decision is intolerable. The XXXX-year time-out that USAA puts in place is nonsense and prohibitive to people trying to maintain or re-establish their financial lives following the major decision to file Chapter. USAA 's practice of this method of punishment to the military community it serves needs to be addressed. I had no choice but to file for Chapter after my divorce or face financial ruin. I can not even have a savings account. It is absolutely absurd. No other bank does this and thankfully XXXX XXXX XXXX has been a wonderful plan B, so even if I can switch I do n't know that I will because of how USAA treats their customers.
Product: Debt collection

XXXX debt collectors is using abusive and manipulation tactics along with bullying and profane language. It is obvious they are using a foreign call center that way they don't fall under US law. This is absolutely pathetic and wrong. My first phone called occurred on XX/XX/21. I agreed to a payment plan for my balance of {$410.00}, but I told them I will begin payments when I budget for the next month of XXXX. Starting yesterday XX/XX/21, I receive multiple calls a day from an XXXX person who is berating me and attacking me for not paying my bill. These people will now NEVER receive my money due to their disgusting behavior. I will gladly provide any additional details needed. Actions need to be taken because I know for a fact, I am not the only person this is being done too. They are now calling me from bogus numbers all over the US. I work in sales and CAN NOT have my phone ringing ALL DAY. It gets in the way of customers and my source of income.
Product: Bank account or service

My mortgage is held by Bank of America. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Bank of America inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Bank of America and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Bank of America is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Bank of America has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Bank of America for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Bank of America they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Bank of America is setting up arbitrary rules and impeding the processing of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal loan with this company, and i paid this loan off on XX/XX/2018.i was informed at the time that this account would be closed within 30 days.but as of this date that account still exist on my credit profile.
Product: Credit reporting or other personal consumer reports

The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, XXXX, Equifax and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX XXXXXXXX about this auto loan that was fraudulent put in my name through a family member without my authorization.. I want to know how I was able to get a car loan making only XXXX XXXX a week! This account is fraudulent and need to be remove from my account Im attaching XXXX XXXX XXXX XXXX for my hours I worked at XXXX