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

Hello, I am writing to report an issue with Care Credit ( Synchrony Bank ). 

I received notification via my credit monitoring service yesterday ( XX/XX/XXXX ) that my Care Credit card account has been closed. I have been a cardholder for at least 12 years and have a card that does not expire until XXXX. I called the customer service phone number and spoke to an initial representative and after a 45 minute hold, spoke with a manager named XXXX. 

When I called Synchrony Bank to ask why the account had been closed I was told that it was closed 5 days ago due to inactivity. My last activity on the card was XX/XX/XXXX. The representative stated that their terms and conditions state they can close an account for any reason. The representative also confirmed that their policy is to send a pre closure notification 3 months in advance. I have received zero correspondence from Care Credit and only found out about the account closure from XXXX XXXX. The representative also confirmed that there was ZERO notice sent to me before closing the account and stated they can not reopen accounts. I did then ask to speak with a manager and spoke to XXXX. She told me that they do notify " some '' customers via pre closure notice but could not tell me how it is decided who will be notified and who will not. She then argued with me stating that XXXX was 5 years, chided me for not using the card recently, and indicated that some other department can reactivate my account but did not name that department or transfer me there. XXXX then told me that the " only '' way I might get my account reinstated is by logging on to my account and sending a secure message. After 75 minutes on the phone our call ended and I tried to login. Once I logged in I was notified that my " account information is not available online '' and I was directed back to the same customer service phone number I called earlier. I do believe that the customer service rep likely knew that I would not have access online and was simply trying to get me off the phone. 

If I had received the appropriate notice that apparently " some '' customers are sent, I would have used the card in order to prevent this closure. I do understand that under the Credit Card Act of XXXX that they do not need to notify consumers of closure, however if it is protocol within the company to notify cardholders 3 months in advance and that did not happen in this instance ( for whatever ) reason, then the appropriate solution would be to reinstate the account and then give appropriate notice. 

Lastly, Since this was a longstanding account with {$0.00} balance, this action harms my credit by lowering the length of credit history and increases my percentage utilization of credit cards. Now, due to the company 's failure to follow their own protocols, I have a negative report on my credit. I am concerned because I am buying a house and this negative credit incident may affect rates. I do believe that this incident reflects predatory business practices.
Product: Debt collection

Full Name : XXXX XXXX XXXX XXXX : Company Name : Discover Bank Address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number : XXXX Subject : Complaint Against Discover Bank for Violating Consumer Protection Laws Date of Incident : XX/XX/XXXX  Type of Debt : Credit Card Amount in Dispute : {$6400.00} Complaint Narrative : I am filing this complaint against Discover Bank for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : Discover Bank has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from XXXX XXXX XXXX, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : Discover Bank has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt amount is incorrect.

Contacting Me After Being Informed of Attorney Representation : I informed Discover Bank that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : Discover Bank has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score. 

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but Discover Bank failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX was made aware of the identity of theft, fraudulent usage of my SSN, Phone number, address and email address on or around XX/XX/year>. I was notified that my contact information was in several data breaches, including XXXX, XXXX, XXXX and XXXX public data. There have been XXXX XXXX XXXX XXXX accounts opened in my name, XXXX XXXX XXXX XXXXXXXX Texas addresses associated with my SSN, XXXX XXXX TX XXXX and several notifications that Banks are accessing my report to open bank accounts. For these reasons my XXXX XXXX has dropped drastically and I am being presented and displayed in a negative light. I have attempted to contact the Apartments that hold the lease who advised management has changed several times and they only have the electronic lease without my wet signature as verification. I advised them of the identity theft and they advised there is nothing they can do. I have attempted to dispute several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

this banks ran a hard inquiry on my credit report without my authorization on XXXX/XXXX/XXXX I when to look for some vehicles but at no point I told sales rep to run my credit now my is it XXXX and it was at XXXX please help XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXXl XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Ally Financial XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my name is XXXX XXXX. And I had received a copy of my consumer report from Lexisnexis and I notice and public record those two accounts ( XXXX XXXX ) and ( XXXX  housing authority ) which is a civil judgement/lien I will like to dispute those fraudulent eviction form my credit report please remove those accounts
Product: Debt collection

I got a phone call from MEDICAL DATA SYSTEMS and the agent was extremely rude and threatened my credit while I was trying to determine the validity of the debt. I asked if she could give me a settlement snd she refused to answer the question unless I give her all my financial info. She told me I was wasting her time when I was willing to pay all I wanted was something in writing and she refused to send saying they gave me an initial notice. I didnt get them and wanted to go over dates as these took place during Covid while I was on unemployment and no health insurance now I am being penalized by damaging my credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inquiries linked to your company that I do not recall authorizing. As I understand, such inquiries should only appear on my credit file with my explicit consent. 
XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have disputed these errors on multiple occasions between XX/XX/XXXX and XX/XX/XXXX with the CFPB. I have received automated, computer-generated responses to my complaints stating the disputed information is accurate. I've sent disputes via USPS certified mail and have not received any correspondence from First Progress. Furthermore, this disputed, inaccurate, unverified information continues to be reported within my consumer reports. 

The consumer reporting agency has violated my consumer rights in obtaining, possessing, and furnishing my personal information without the consumer 's written instructions or permissible purpose. This violates the FCRA 15 U.S. Code 1681b and is aggravated identity theft according to 18 U.S. Code 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, XXXX  and Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH XXXX XXXXXXXX AND XXXX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
Product: Checking or savings account

PNC offered a sign up bonus after {$2000.00} Direct deposit and 10 debit transactions. PNC notified me that several deposits were direct deposits. I thought I met the requirements until the end of the promotional period when they refused to honor their offer.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error and that I have not violated any of PayPal 's policies. 

I am a responsible PayPal user who has been using the platform for several years now. I have always been in compliance with PayPal 's policies and have never engaged in any fraudulent or illegal activities on the platform. I was surprised and dismayed when I received notification that my account had been permanently limited. 

I would like to respectfully request that PayPal re-investigates my case and takes appropriate action to restore my account if possible. I understand that PayPal takes its policies very seriously and I am confident that upon re-investigation, the company will find that I have not violated any of its policies. 

I kindly ask that PayPal provide me with a clear explanation of the reason ( s ) for the permanent limitation placed on my account. Additionally, I request that PayPal provide me with a timeline for when I can expect a resolution to this matter. 

I appreciate your time and attention to this matter and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX
Product: Prepaid card

This is the second time I am writing to request replacement for several cards that are no longer working ( see the list below ). I was able to use each of these cards one time, but then I encountered problems with each subsequent attempt. I have tried some combination of these cards without success at several different outlets, so it is not site-specific. Most times, I have not even been able to access individual card details on your website, receiving various error messages. It seems that you are having problems with your systems across the board. I also have tried calling several times, but having to go through each card individually and being told that cards with a value below {$1.00} can not be replaced is extremely time-consuming and ultimately frustrating. Thus, I am writing to you again, and I expect your prompt attention in rectifying this issue by replacing the cards or through some other appropriate means, such as reimbursement. in furtherance of that goal, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) concurrently with this letter.

Defective Cards : Card Number Card Expires Code Amount XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX & XXXX Account Number:XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Money transfer, virtual currency, or money service

I downloaded the app called Gemini so i can trade, send and receive Crypto currency in this case Bitcoin and Ethereum. I signed up, verified, got my account linked and made an ACH deposit of {$4800.00} ( XX/XX/2021 ) then i converted money to cryptocurrency Bitcoin and Ethereum. After 4-5 business days as mandated the deposit was cleared ( XX/XX/2021 ) and the market dropped leaving my {$4800.00} to {$4000.00}. I tried withdrawing my asset ( XXXXitcoin ) and they froze my account ( XX/XX/2021 ). i reached out to support and was asked to mail a photo verification showing my face, ID, a piece of paper with the date written on it and the Case ID ( XXXX ) which i did since the XX/XX/2021 and sent to them as instructed but still didn't get any response from their team. i want to know why they haven't responded or how long it will take to get my funds pulled out.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

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

I requested that Experian provide me with all methods used to verify the validate this account other the company said so do the have copies I'd cards etc if XXXXhey can I need this deleted immediately off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX {$71.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with XXXX and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police report
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on EXPERIAN Report XX/XX/XXXX  and I noticed that this Inquiries had been made
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>