23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am filing this complaint against Care Credit / Synchrony Financial in connection with their actions related to my recent application for credit. The company has demonstrated discriminatory practices, resulting in a prima facie violation of the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 ( a ). I believe this conduct reflects a pattern of misconduct that has not been corrected despite multiple correspondences and notifications. 

On XX/XX/year>, I received correspondence from Care Credit XXXX Synchrony Financial denying my request for credit based on alleged information from my consumer credit report, which I assert remains unvalidated. I am of the age of majority, possess unlimited capacity to contract, and have provided a Durable Power of Attorney along with explicit instructions related to this matter. Their denial of my request is discriminatory in nature, relying on unvalidated and irrelevant information. 

Furthermore, this conduct also constitutes a breach of fiduciary duty under Section 16 of the Federal Reserve Act, which specifies that an application itself serves as sufficient security collateral. It is my understanding that only the Board of Governors of the Federal Reserve is authorized to make such determinations. Therefore, Care Credit / Synchrony Financials actions are unauthorized and unlawful, and their reliance on external factors not pertaining to their fiduciary duty is unjustified. 

I have formally rescinded my application and demanded the immediate return of my original documents, as provided in my Final Tier 3 Notice under 12 U.S.C. 504. Despite these requests, the organization has yet to comply, failing to fulfill its obligations within the given timeline of five ( 5 ) business days from receipt of the notice. 

This complaint is not related to the Truth in Lending Act. It arises specifically from Care Credit / Synchrony Financials acceptance of my application as consideration without issuing credit and their subsequent failure to meet their fiduciary duties. I seek your assistance in addressing their continued violations of federal law and discriminatory practices.

I prefer to resolve this matter without escalating to legal proceedings, and I am requesting CFPB 's intervention to ensure compliance by Care Credit / Synchrony Financial with all relevant federal regulations. I trust your office will assist in guiding this organization towards lawful conduct.

Thank you for your prompt attention to this serious matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Debt collection

As a conscientious consumer, I take my financial obligations seriously and believe in the importance of responsible debt management. I have been contacted by Resurgent Debt Collectors regarding five separate accounts, all of which they claim I owe. However, despite multiple requests for validation and proof of these debts, Resurgent Debt XXXXollectors have yet to provide any satisfactory documentation to verify the validity and accuracy of these claims. 

I would like to emphasize that I am fully committed to resolving any legitimate debts that I may owe. However, I believe it is my right as a consumer to request and receive proper documentation and verification of these debts before proceeding with any further actions. My attempts to obtain this information directly from Resurgent Debt Collectors have been unsuccessful, and I believe their lack of response raises serious concerns about the accuracy and legality of their collection efforts. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Resurgent Debt Collectors provide the necessary proof of debt for each of the five accounts in question. I believe that a thorough examination of this issue will not only protect my rights as a consumer but also uphold the principles of transparency and fairness in the debt collection process. 

Enclosed with this letter, you will find copies of my written requests to Resurgent Debt Collectors for validation of the debts, as well as any correspondence I have received from them. I am committed to cooperating fully with any investigation or inquiry that the Consumer Financial Protection Bureau may undertake to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX  and XXXX credit files as well. The collections account for santander, Ncb management, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
Product: Credit card

I am unable to access my online account or use my XXXX credit card even though the account was successfully approved and opened by Capital One.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX I C Systems Want both accounts removed from credit bureau ask for validation of both debts nothing was received and neither account was removed. 

XXXX XXXX on credit bureau with 2 different accounts Ive disputed both accounts requested validation of the debt never received XXXX still havent removed debt from credit bureau. 
XXXX
Product: Credit card

My credit card information was compromised and my card was cancelled. I went into my card 's site and there was nothing to indicate that. I called and was told what had happened. My complaint is twofold : 1. there should be a special statement used when your card is declined so it is clear that it is not your fault. It was embarrassing and not the way to treat a customer who pays in full and on time every month. 2. My credit card company will not or can not tell me the name of the retailer. I feel that I am more than entitled to know what company failed to protect my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank opened a overdraft protection line of credit for my checking account without my authorization, being that they opened the account without my knowledge this caused me to incur negative information on my credit report, I have called several times to try to get the bank to remove the negative information but they haven't done so even though they said they would. I did/ do have a select line of credit with citizens bank which I had with the prior bank before the merger XXXX, when citizens bank took over they took it upon themselves to open a new line of credit for me to act as overdraft without my knowledge or permission which was formerly overdrafted through what is now known as my personal loan. I had also asked them to close my checking account and they haven't done so, I asked for a closing document and they didn't provide it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Checking or savings account

Dear Wells Fargo kindly find attached the case email sent to the FBI concerning your case for evidence reference .XXXX  XXXX XXXX XXXX -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX XXXX Sent : Sat XXXX XX/XX/2020 XXXX am Subject : Fwd : CFPB Director XXXX XXXX TOP Urgent Dear FBI Washington Field Office, May I kindly officially submit my complaint to the FBI and please excuse me for not using the online form as this complaint includes confidential attached documents. I am presenting my complaint to The FBI for review and for possible investigation and enforcement action as there is a serious concern that Wells Fargo bank is attempting its best not to get this case investigated. Kindly ask you please to review my complaint and i thank you for your concern and for the time you took to read this case. 

With Best Regards and thank you for your understanding XXXX XXXX XXXX. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Wells Fargo cashed the check without my endorsement as well. 

I called Wells Fargo informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX fraudulently acquired by information without my consent, therefore committing identity theft and furnished deceptive information on my account attempting to collect a debt that was charged-off the credit issuer. Also violating my privacy. The continued reporting of this item is a violation is of FDCPA, FCRA, GLBA, and Identity Theft of with XXXX, Equifax, and XXXX and other CRAs, that publishes this fraudulent information are equal participant thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX Formerly XXXX ). I am currently living in a XXXX XXXX & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX in XXXX of 2021, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative account so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. They are affecting my entrance into housing.

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX ( Original Creditor : XXXX  ) XXXX collection account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

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

Equifax put an unauthorized security freeze on my credit. I was an identity theft victim due to their data breech. In XXXX Equifax removed all the bad accounts from my credit and it went up to XXXX. Now they have added a freeze and all the removed debt they put back on my credit. I can not get a place to live with an unauthorized freeze. They said working on issue and I have to wait 60 days. I will be on the street. My lease ends XX/XX/XXXX and I found a new place to live and gave XXXX XXXX in XXXX my security deposit. I have accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Among other credit cards that were not mine. Also they have several wrong addresses i.e. XXXX XXXX XXXX XXXX XXXX XXXX never lived there. It's out of control. This has been going on for several years. I have police reports dating back to XXXX for accounts opened in XXXX. I have lived in 3 places the last XXXX XXXX. My ID that is attached address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not or was never my address. I have sent documents to all 3 credit bureaus dating back to XXXX and again in XXXX and XXXX. Nothing has happened. My life has been ruined because of Equifax. Not XXXX credit bureau had permission to put a XXXX freeze or fraud alert on my credit report this year. I had alerts on my credit when I learned my identity was stolen for a year while no one did a thing to help me. I am ready to hire an attorney. I am XXXX XXXX XXXX and a Victim. I have been treated as a criminal. I attached a copy of my driver 's license. The reason I have not received my XXXX XXXX  is because I have been married before and had to get marriage certificates which takes 8 weeks to get. I also was living in XXXX XXXX XXXX. Now that I am residing in XXXX  perfectly I am getting a new license. I am going to wait until i get remarried. I will be changing my last name.
Product: Money transfer, virtual currency, or money service

PayPal contacted me to collect a debt. I did not have any memory of using PayPay, in the amount they claim I owe them, so I asked to have the evidence mailed to me. When I received the records, I immediately knew these were not my charges. I contacted PayPal to advise this is fraud and to open a fraud claim. A couple of weeks later, they called me again to collect a debt. I advised what I had previsouly advised PayPal and these charges were fraud. The person checked the notes in my file, and advised me that the fraud department denied my fraud claim ( without even speaking to me ). I asked to have the claim opened again, and advised them i would be contacting the Consumer Financial Protectin Bureau and asked them to reopen the fraud claim. I was able to log into my account Once and see these are clearly not any activity of mine. I emailed Service @ PayPal to get assistance with this issue, only to be asked to log into my account, but now I am locked out due to it being delinquent. I had asked for assistance, called but can only reach the collections department, and I am not getting anywhere. 
I did not use PayPay, and I do not know an account number. They contacted me via my home phond XXXX, and the email I had at the time was XXXX, however, I have since changed my email to XXXX, and My cell is XXXX
Product: Credit card

I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX  have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, Experian nor XXXX  did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!
Product: Checking or savings account

I was written a bogus check by a company named XXXX XXXX XXXX and XXXX XXXX, XXXX in the amount of {$4800.00} with the Suntrust Bank logo. My bank, XXXX XXXX  XXXX approved the check and then cleared the full balance the following day after I deposited it. Then the third day, my bank reversed the balance for insufficient funds. In the mean time, someone had deceived and scammed me into wiring someone {$1500.00} through XXXX and then had me purchase {$2700.00} in money orders through the united states post office. By the time I sent all the money I was instructed to send, the bank then takes part of the funds I had saved in my business account and it demanding that I pay the full balance of the {$4800.00} in which I still owe {$3300.00} of. I called Suntrust bank, and was helped by BB & T bank. I was told that Suntrust and BB & T bank are not merged into a new name XXXX XXXX. BB & T gave me a case number and when I called to follow up on my conversation, another rep told me that those case numbers are not valid and that she didn't know what number that was I was given. I was then told I needed to talk to my bank, XXXX  XXXX XXXX and that they were the ones who would have to get in touch with them about the check, not me. I called XXXX XXXX XXXX to tell them this, but nothing was done by either bank to assist me in any way.
Product: Credit reporting or other personal consumer reports

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit reporting or other personal consumer reports

FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX noticed unauthorized inquires on my credit report that i would like removed.
Product: Mortgage

I paid 80 % of the remaining loan online for the XXXX and XXXX payments in XXXX I contacted them about the remaining {$78.00} PHH mortgage said they would mail me a pay off statement to the address I was currently residing, I never got one in XXXX I requested another pay off statement, I have since learned that they have reported delinquent payments on my credit report. I have sent them a cashiers check on the XXXX of XXXX to pay the balance and I have called again 2 days in a row to check the status, sat on hold transferred 3 times to finally get someone to tell me I would have to contact the research department because they can not find the check etc. This was an XXXX loan I have never been late on a payment and I try and pay it off early and my credit is suffering Over the last {$78.00} of the loan. Beyond ridiculous