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

XXXX XXXXXXXX XXXX  XXXXfrom XX/XX/XXXX amount comes in different now XXXX & XXXX now on my bill again XX/XX/XXXX & XXXX XXXX is XXXXfor XXXX on XX/XX/XXXX which was refunded from XXXX but self credit wont remove charge on XX/XX/XXXX & XX/XX/XXXX on bill 3 times for XXXX XXXX XX/XX/XXXX XXXX declined transaction XX/XX/XXXX XXXX declined transactions Im being charged for all these charges my XXXX rights XXXX disputed them with self XXXX  sent them paperwork of proof Im told there is no amount for first one and Im denied my rights to dispute these when I made payment of XXXX they put transaction threw I dont have merchandise and I want off my bill and my credit report Im over balance they are going to close my account so I need ur help getting removed from XX/XX/XXXX to today XXXX paid over and over for these things I need help
Product: Credit card or prepaid card

I was never late with a payment for the furniture I purchased at Ashley Furniture. The Ashley Furniture credit card is now being run by Synchrony. It has been paid off for several years now as well. I have a decent credit score ( around XXXX ) and I know they accept people as low as a XXXX score. This was in their letter : " Scores range from a low of XXXX to a high of XXXX ''. 

There was no reasonable reason for them to close my account! I have been building my credit up and this is definitely going to affect my credit score! It is totally unfair and unacceptable for a credit card company to do this - I don't understand, please help me.

I called them and told them the same story. I even spoke with a manager and she said there was NO way they could " undo '' the closing. 

Please read the attached letter that Synchrony sent me via email. 

I recently had a derogatory mark from my mortgage lender, however it was straightened out AND I only have one mortgage which I have paid EVERY month. I just can't understand how they can just " CLOSE '' my account when I have decent credit scores and they will open up an account for someone with a XXXX score. WHY AM I A GREATER RISK FOR NOT MAKING A PAYMENT WHEN I HAVEN'T HAD A BALANCE IN AT LEAST 2 YEARS. 

Thank you, in advance, for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO XXXX YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY!
2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN
Product: Checking or savings account

On XX/XX/XXXX, I discovered that an Ally Financial employee, XXXX XXXX, accessed my business 's website using Allys corporate network. He submitted a contact form on my website using false information, including a pseudonym for his name and misleading details about his interest in purchasing a product. However, he included his personal email address, which allowed me to identify him as an Ally employee. The use of Allys corporate IP address for this interaction directly links his actions to the company. 

Upon further investigation, I discovered that XXXX XXXX has been employed by Ally for over six years and is currently a Compliance Manager in the AML ( Anti-Money Laundering ) Investigations department. This raises significant concerns about whether his actions were authorized by Ally or conducted independently. If his behavior was authorized, it demonstrates a misuse of investigative powers ; if it was independent, it raises questions about Allys employee oversight. 

I contacted Ally through multiple channels, including their secure email and phone support, to report the incident. I provided detailed logs to Ally 's C-Level Office and their General Counsel showing XXXX XXXX access to my site, including multiple visits after I had blocked his IP address and displayed a 404 error page explicitly notifying him that he was being investigated. 

Key Dates and Actions : XX/XX/XXXX : XXXX XXXX submitted false information through my business contact form using Allys corporate IP address and his personal email. 
XX/XX/XXXX : I emailed Allys secure email service to report the issue and later received acknowledgment of my complaint from an Ally representative, who escalated the matter to their legal team. 
XX/XX/XXXX : I emailed XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX at Ally, all in Ally 's corporate office, all C-Level execs. 
XX/XX/XXXX : I called Ally to follow up and spoke with a manager who confirmed that their legal department was actively investigating the situation. During the call, the manager reviewed the case notes and displayed significant concern, stating this case had been escalated to the highest priority. 
XX/XX/XXXX : XXXX XXXX revisited my website multiple times after being blocked, using the same corporate IP address. 

Despite Allys assurances during these communications, I have not received ANY formal acknowledgment or updates regarding the investigation as of XX/XX/XXXX at XXXX PST. The lack of transparency has heightened my concerns about whether Ally is addressing this matter appropriately or taking my privacy and security seriously. 

My Concerns : Breach of Privacy and Trust : XXXX XXXX used Allys corporate resources inappropriately, raising serious questions about the security of my personal and business information. 

Lack of Transparency : Ally has failed to provide formal acknowledgment of their investigation or communicate any safeguards to protect my data. 

Potential Misuse of Position : As an AML Compliance Manager, XXXX XXXX actions suggest either a misuse of investigative authority or a failure by Ally to monitor employee behavior effectively.
Product: Vehicle loan or lease

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I am a XXXX year checking account customer of BB & T Bank . On XXXX XXXX XXXX, BB & T changed my checking account to some sort " XXXX '' status without my consent and began churning my account for an excessive {$30.00} per month Junk Fee. I receive no benefit at all in exchange for this excessive Junk Fee. 

My account will continue to be churned by BB & T for an additional {$30.00} Junk Fee every month until I close this account. 

The attached picture shows that BB & T has already charged a {$30.00} fee, while paying only XXXX cents of interest.
Product: Credit reporting 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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 


account number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have already tried to dispute this account several times to no avail. This account is fraudulent. I have even tried to dispute this account with the so-called original creditor but they don't have a valid address according to the USPS, but somehow Equifax keeps updating this account even though the address is not valid. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately.
Product: Debt collection

The agency has reported a {$660.00} account to my XXXX  and XXXX  account and they're not mine.
Product: Credit reporting 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 accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a " XXXX XXXX '' credit card was opened with a balance of {$22000.00}. After that date there have been 5 Inquiries on my report i did not initiate. " XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX '' inquired on XX/XX/XXXX. I have filed a report on identity theft. Please note that there was a computer error on the report. Date Discovered " XX/XX/XXXX '' and Date Fraud began " XX/XX/XXXX '' are switched.
Product: Credit reporting or other personal consumer reports

Account # XXXX I had an accident in my car. The insurance didnt cover the accident since the person driving was not covered under my policy. Credit acceptance then called me and demanded a settlement amount to clear the remaining balance which is fair. Although they did not inform me that every month that the full settlement amount was not paid I would get a late payment remark on my credit report ( {$6000.00} ). Since I did not have all the money readily available I decided to call and ask for assistance. The representative told me not to worry about the late payment remarks on my credit that since Ive never been late in the past they would do a good will adjustment and remove those late payments once the balance was covered. After three months I was able to pay the whole balance and close the account. Since then I have been unsuccessful in getting those late payments removed from my credit score even after putting in a letter of goodwill adjustment. To this day my credit score has suffered and no one at credit acceptance has been able to help me fix this error even after I was told I would have no issue getting this removed. Can someone please help me rectify and remove these late payments. Before the settlement I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

2.. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 card

On XX/XX/year>, I was charged close to {$2500.00} in interest from 1 year since I began paying through CareCredit/Synchrony bank for services I received from a vender in installments. 
I have made minimum payments every month, pre-set by CareCredit, and so intuitively and logically expected that I was on par to pay off the bill without interest. 

I was not given adequate notice that this interest would be charged, since I was not emailed directly warning me that this due date was approaching, or given this information on the XXXX app I use to make monthly payments. 

This companys descriptive business practices are unfair, as I never assented or agreed to these specific terms, and would certainly not have agreed had I known these terms applied. 

I attempted to remedy the situation by offering to pay off the rest of the bill without the accrued interest, or even construct a new payment plan if they would rescind the interest installment. 
They then informed me there was a 30 day grace period that expired, which again, I was given NO notice of. 

Essentially, this company seems to encourage delinquency of payments in order to collect interest deceptively. I have learned that they require the user to calculate on their own how much they will need to pay to not be charged the arbitrary amount of interest after a year, and this seems extremely problematic as many users will not be able to easily correctly assess how much they need to ensure they pay every month to not get charged. 

Even on monthly statements, this information is deceptively hidden, and carecredit did not send me any monthly statements by email. They only had me pay by logging in or on the app, which does not show the monthly statements until you examine long pdf files. 

Once again, I was not given just notice of what I was being subject to, and the minimum payments I made every month, I believe, gave me reason to believe that I was on time and would not be charged any interest. 

When I originally made this agreement, I did not assent to these terms in particular, and I would have never agreed to this payment plan if I was made adequately aware of these terms. 

And, once again, I should have been adequately warned closer to the due date. Carecredit gave minimal to no effort to do this and now they refuse to help me remedy the situation. 

I ask that your team help remedy the situation, or at least put them on notice that these deceptive business practices can not be tolerated.
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Midland Credit Management violated 15 USC 1681s-2 by furnishing information to a credit agency knowing there is reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts are not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$5000.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXXE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record untiXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX have a hard pull from my credit report without consent XXXX XXXX also have and soe others companies