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

While organizing the bank statement I noticed ( finally ) a recurring charge I did not recognize. This is a CareCredit card. This was originally started by my husband back in XXXX and I believe it was a type of home loan. Unable to access anything about the card, company, representatives, I can not be certain. I am ashamed of myself that I never even noticed it. I am XXXX and now my daughter is helping me. 

I have exhausted every method to get information from CareCredit/Synchrony -- payments are recurring to XXXX XXXX XXXX. That is all I get for information. This has actually been continuing on for 6+ years! 

I did manage to get a little peek at account numbers they were helping themselves to. The original account was open when my husband was alive using a totally different account # than what I can pull up now. I did stop the account however it just kept on taking money along with extremely high interest for over 4 years. The total taken out of my checking account with the partial report I generated was close to {$6000.00}. That is without the interest! I am in disbelief that there is absolutely no way to view any information. The Synchrony " sign on '' page is almost like it is fake. They know nothing of your account when you try to get help. I am on a fixed income and it is my hope that you will be able to stop these companies that do anything they want. I am very happy I finally noticed it. The charges went from {$12.00} - {$25.00} - {$75.00} - {$130.00} and up. Oh, forgot about the late charges in fine print at the last line. Obviously you never, ever pay it down and if you are not really focused like myself, your money just dwindles away. 
Charges for interest if the entire amount is not paid by the " promotion '' window of time, they charge 29 %, RETRO from when you first got the loan! It was over {$16000.00}. I believe. Please let me know if you take these guys in by their ... just do n't forget to grab all of my money first! 

If you need to ask more questions, please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off letters to TransUnion and requested they investigate the negative information. They sent a letter stating it did not come from me, how can they tell? I am going to show you copies of what I sent as well as what they sent me. It is basically an excuse for them not to do the investigation. I have the right as a consumer to hire anyone I want to work on my credit. But the fact that I done this not a credit repair company is just sad, how can they just assume this wasn't me? I am hoping since I can't get them to do their job maybe you can. The information I disputed must be deleted 30 days from the date they received it if they do not do their investigation. I am asking that you please make them do their job since they don't want to do it! All documents will be included with this complaint. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below 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 XXXX XXXX XXXXXXXX XXXX XXXX 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.

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.
Product: Credit reporting

I disputed recently the XXXX XXXX XXXX card that is showing up on my credit report with you because the card was opened without my knowledge this is the case of identity theft you have removed all the other accounts that were opened but for some reason the XXXX XXXX XXXX card is staying on there Equifax is the only one thats reporting this the other XXXX credit reporting bureaus have removed the account as being fraudulent why formation and do you have that 's proving this account belongs to me I mean my credit report have shown variations in my social security number being used at one point there where a couple mail forwarding addresses that have been removed at this point I mean obviously it has my name on the card and I would imagine that a lot of the information is very similar or the same this is why its called identity theft but I would like details as to what information you have obtained that has led you to the conclusion that this card belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I saw a Car in their XXXX  page ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ), a XXXX XXXX XXXX XXXX XXXX, I sent a message to their XXXX  message, then they reply to me to switch to XXXX  #, it was XXXX a person called " XXXX XXXX '' ( don't know if it is his real name ) reply to me, send an information about the car, without a VIN #, and ask me to pay half of the value, and the rest will be paid at delivery of the car in my house in XXXX. Negotiation included cost of the car, shipping & handling in XXXX with local # plate included. This negotiation was on XXXX XX/XX/XXXX ( XXXX {$9400.00} ). Then on XX/XX/XXXX he asked me more mone for the container XXXX {$4900.00} ) in which the car will be shipped and then on XX/XX/XXXX asked me more money for the shipping insurance ( XXXX {$5500.00} ), all of this XXXX last transaction was supposed to be returned at delivery. Then on XX/XX/XXXX ask me more money ( XXXX {$2600.00} ) for the clearance an all procedures related to XXXX XXXX and taxes, which was supposed to be included in the initial price of the car. All the payments was done via Wire transfer to a Bank XXXX New York XXXX Bank of America N.A. XXXX # XXXX ) on the name of a XXXX XXXX. XXXX  with address XXXX XXXX XXXX XXXX in XXXX GA, XXXX gave a webpage tracking shipping ( XXXX XXXX XXXX Tracking i XXXX XXXX page that I was checking constantly and showed me the process of shipping, until XX/XX/XXXX page is not working any more ( " This site cant be reachedCheck if there is a typo in XXXX. If spelling is correct, try running XXXX XXXX XXXX. DNS_PROBE_FINISHED_NXDOMAIN '' ). Also this XXXX XXXX is not replying to my messages, last thing that he said to me was that he was XXXX XXXX XXXX fixing a money problems related to cars also. On XXXX  on the pic of the car that I bought I comment that I bought the car and that it was not delivered yet, and they deleted the comment and blocked me. Also in between the process of negotiation this " XXXX XXXX '' offered me if I need another things from XXXX he can use the container to send it which I replied yes, I needed some parts for my cars in XXXX, I sent the information and charged me with an extra XXXX {$1200.00}. In total I paid XXXX {$23000.00} and I'm getting nothing. Thank you for your time.
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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 f
ollowing 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.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 

Inquiry Details : - Creditor/Institution : LIGHTSTREAM - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 

Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report. 

Previous Notices : Please be informed that I have already sent notices directly to XXXX disputing this and other inaccuracies. Under the FCRA, you are obligated to conduct a reasonable investigation within a 30-day period and either provide the requested verification or remove the disputed inquiry.
Product: Checking or savings account

On XX/XX/2019 a charge for XXXX caused a XXXX over draft and fee and on XX/XX/2019a charge for XXXX caused an overdraft fee. I am XXXX years old and live alone on ssi for XXXX my rent is XXXX, i live in an senior   living facitly. I cant afford these fees but need to live as well. The XXXX charge was for XXXX which i have cancelled mutlitple times and they continue to bill. I attempted to get the fees removed but was refused and told i could not close acct till i paid fees The bank in Question is BB & T
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XX/XX/XXXX.
Product: Checking or savings account

Funds werent available and bank allowed multiple payments with overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and saw inaccurate information on it I've called and mailed letters and nothing has been done to remove the inaccurate account I spoke with an agent who stated that Transunion does not investigate accounts they just mark them as accurate Transunion shows Multiple Accounts that are not accurate and Multiple Hard Inquiries and personal information is not accurate as well they have not responded to any letters and it been three months
Product: Bank account or service

In regards to my situation. I currently have XXXX accounts at Santander bank. 
XXXX account is a single ownership witch is under my name and the XXXX account is a student account with my son. The student account was opened when he was XXXX years old therefor the bank rep had to ad me as a second owner. On XXXX XXXX, 2016 my accounts were frozen due to a NYS levy. despite my ac\ my situation of a levy, I feel my sons account should had not been frozen considering its a student account and those funds are his. I called the bank and was told that cause my name was on it. Had to been on hold. I asked them to take a history his account. he uses that account for his payroll at XXXX. He is a student and when hes on break from school. he returns to work. 
Santander refuse to release the hold witch the account had only about {$98.00} dollars I called NYS and explained to them the situation and the had they acted very helpful to ask Santander to release my sons account only. Santander refused. So in the interim Santander took the {$98.00} dollars from my son 's and left the account at XXXX balance witch I find that my personal financial situation should not affect his funds .... 
Can Santander bank or any other financial Institution freeze a student account? 
please advise
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to dispute several accounts that have been reported on my credit profile, which are not mine. The details of the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported fraudulently without my consent. As these are not my accounts, I kindly request that you investigate and remove them from my credit report. 

Thank you for your immediate attention to this dispute. If further information is required, please do not hesitate to contact me.
Product: Debt collection

Upon receiving copies of my credit report I found an account that I did not recognize. The names in which they are reporting under are The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCA, and National Credit Adjusters. I have tried to send debt validation letters to the companies and have received nothing in response. I believe this to be a fraudulent account. Not only that but it is reporting under the original debt names and a second account with NCA/National Credit Adjusters as a duplicate account hurting my credit.
Product: Bank account or service

WHEN WE SETTLED OUR LAWSUIT XX/XX/XXXX, WE HESITANTLY OPENED AN ACCOUNT WITH PNC BANK- AFTER A TURBULENT AND VERY HURTFUL EXCHANGE. AFTER A FEW MONTHS OF BANKING, WE HAD AN ACCIDENTAL OVERDRAFT AND THE ACCOUNT WAS CLOSED PRIOR TO US BEING ABLE TO CORRECT IT. WE EXPERIENCED EXTREME XXXX WITH THE BRANCH MANAGER AT THE OPENING BANK- MAKING COMMENTS SUCH AS SHE WOULD MAKE IT HER BUSINESS TO NEVER ALLOW US TO HAVE THE OPPORTUNITY TO OPEN ANOTHER BANK ACCOUNT THROUGH PNC EVER AGAIN.
Product: Credit card or prepaid card

In XX/XX/XXXX, I responded to a mailer that I received at my home from Suntrust/Truist Bank. I accepted an offer to open a credit card so that I could initiate a balance transfer with a stated interest rate of 4.75 % for 3 years. I was approved for the card and interest rate. When I received the card I called on XX/XX/XXXX and spoke to XXXX to perform the balance transfer over the telephone. XXXX again stated the interest rate would be 4.75 % for 36 months, ending on XX/XX/XXXX. I was told that the call was on a recorded line and I want somebody to listen to the call to verify that I was promised the interest rate that I list in this complaint. The balance transfer was scheduled and went through ( {$6800.00} ) with an agreed upon 3 % balance transfer fee and a 4.75 % interest rate for 36 months. I set up automatic payments to the bank through my checking account. On XX/XX/XXXX, I checked the account online and I saw that my interest rate was 15.5 %. I attempted to call on XXXX and was taken through an endless automatic phone tree and was never able to speak with an individual. On XX/XX/XXXX I got through to an individual named XXXX. XXXX said she was unable to assist me and she would get a supervisor. I held for nearly an hour to speak to supervisor XXXX. I was ultimately left to wither on hold for 90 minutes, and nobody ever returned to the phone. It is fraudulent to promise one interest rate and charge 3x that much. Further, it is corporately amoral to refuse to come to the telephone to assist your customers and resolve your fraudulent practices. I will post this story online in as many places as I am able, and will tell this story about Suntrust/Truist to anybody who will listen. Ultimately, I will pay off this card, close the account, and move all accounts out of Suntrust/Truist. This is a despicable way to treat customers. I have never had a late payment on any account I have with your bank. I will remove myself from your bank as quickly as I am able and will encourage others to do so, as well.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that you are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.