23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 1. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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.
Product: Credit card or prepaid card

My complaint is with Synchrony Bank CareCredit card. Today, XX/XX/XXXX I received a letter dated XX/XX/XXXX that they had cancelled my card. The reason stated was because of a random credit check that they did and my credit score. First of all I want to say that I have had this credit card for 7 plus years. I made timely payment and, when possible, I paid my balance off. I used the carecredit for XXXX  work and to take my dogs to the vet. The last activity I had was XXXX, XXXX for {$100.00} and I paid that off. I contacted the company today, XX/XX/XXXX and spoke with the supervisor that had an I don't care attitude and told me that is the way it is. What I can't believe is that this action is allowed during COVID times. What they have done to me is ding my credit and cancelled the card which has dinged my credit even more while I have been a customer who has kept the account current or paid up and had longevity in the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under what authority, statute, or law does CREDIT COLLECTION SERVICES have to share and or furnish my nonpublic, private, personal, identifying financial information? CREDIT COLLECTION SERVICES is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. CREDIT COLLECTION SERVICES is hereby notified of the following : ANY and ALL consent assumed or obtained by CREDIT COLLECTION SERVICES from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by CREDIT COLECTION SERVICES.
Product: Mortgage

My issue with my home mortgage with JP Morgan Chase began when during the fiscal crisis we became victims of unfair and unethical business practice by JPMorgan Chase in the Loan Modification of our Mortgage. 
This has been documented in the various complaints filed with the CFPB - and too many delayed responses by this unethical company. The indifference and or incompetence at best in the handling of our most important asset and worse : lack of good faith, attempts to deceive and mislead in providing full disclosure and intentional lying or racketeering to foreclose on our home. When this was not possible, we believe there was a carefully camouflaged and highly questionable plan that resulted in excessive fees during the Loan Modification process. 
Furthermore we have patiently tried to resolve these issues amicably with Chase to to no avail. Their response was to stonewall our efforts to get non-proprietary information they said was readily available on our request. What JP Morgan Chase has excelled in is the ability to use the services of their legal team to take the art of 'stonewalling ' to a higher level. 
Imagine dealing with over 24 people in their system and each one falling all over each other not understanding, not knowing, do not have the answer, have nothing on file..who told you your house was being foreclosed on..we have nothing that says that..and so on and so on. 
I have to remind them once again that the XXXX uprising started with one man and a scale. Give up from this ruthless company - I will never. 
I want to thank the CFPB for making sure that my complaint and grievance always get a response from this unethical company -. Yes, they did offer a measly {$15000.00}. for me to go away, but of course that will not happen. I know the new changes taking place within your organization and I do wish everyone the best of everything, and just hope the poor consumer like me will still have a voice. 
JPMorgan Chase I will deal with on my own terms. I do not allow anyone to rip me off, lie about it, frustrate me, try to break me with their series of legal sharks. Each day I wake up with a social media platform with an audience of over 10,000,000. I am sure my years in publishing will be put to good use. I just wish everyone the very best and to say thanks for keeping JPMorgan Chase and XXXX XXXX on notice. Always remember the fish stinks from the head down.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDENCE RESOURCE MANA Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX
Product: Credit reporting

I had a debt with XXXX. over 7 years past, the debt was charged off. 
however, XXXX continues to report to credit bureau. 
I checked to make sure the account is not listed in public records,
Product: Debt collection

I have told Synter Resource Group the debt collector company multiple time to cease and desist all communication activities just recently on XX/XX/2023. The debt collector ignored my request and persisted to call me even today. The company called me after I told them to stop on XX/XX/2023 and XX/XX/2023. This is debt harassment per 15 USC 1692d ( 5 ) Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt collector is disrupting me from doing my job which also puts me at risk of losing my job and safety. I have already told them to cease and desist and that I will send a letter, but they are not respecting my federally protected rights and the Fair Debt Collection Practices Act. This is a violation of 15 USC 1692c ( a ) ( 2 ) Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ;
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the inaccurate personal information found on my credit report. After reviewing my report, I have noticed discrepancies that I believe are impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my account. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX 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: Payday loan

I went in to make a partial payment to pay down my loan and was told that I was not able to make partial payment, I could only give them funds if I made the payment in full. I 've never taken out a loan where they would n't accept my money unless I had all of it at once. They 're already charging a ridiculous interest rate, why penalize me even further by not accepting my funds? How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied my updated credit report.. that i requested because of new information that is incorrect and in error. when i go online i only get garbage same thing when i call the phone number for TransUnion
Product: Vehicle loan or lease

Company : Hyundai Finance I overpaid the balance of my loan because there was XXXX check not cashed by Hyundai when they provided me my balance in XXXX of 2021. After making 11 phone calls ( from XXXX to XXXX ) in addition to seeking help from Consumer Affairs, I was not successful in getting my refund. 
An attorney wrote a letter on my behalf and in XXXX and I received a check for {$5000.00} ; however they owed me {$5500.00}. There was no explanation sent with the check why the amount was reduced. I have called Hyundai Finance on XX/XX/XXXX and was told they owe me {$540.00} plus {$4000.00} with an explanation I didn't understand, but talked about deducting principal from $ XXXX. I called again on XX/XX/XXXX and was told they see my notes from XX/XX/XXXX ; however, no action has been taken. This entire 8 months I was not able to speak to anyone in charge, nor have they returned any calls from Consumer Affairs. 
I am not sure what kind of accounting practice they use, but I feel like I am an exploited senior. I had to cash the check to pay bills ; I was not accepting that as I was paid in full.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, have 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 an account without my written instructions.

15 U.S.C. 1681 c. ( 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 in inaccurate.
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. 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIOXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had brake work done on my vehicle at XXXX store # XXXX, during which the vehicle was not repaired properly and in fact damaged along with services charged but not done. I promptly reported this to Capital One within days of receiving my statement and they supposedly began the dispute process in XX/XX/2022. I provided their requested documentation as soon as I could obtain it. No time deadlines were given in any of the correspondence with them. As I completed the documentation process in XXXX I was told they had everything and to hang tight. 
After receiving a letter in late XXXX stating they still didn't have everything, I called and was told i needed one of the second opinions signed so i got that done in a few days and sent it in. A week or so later I get a letter saying I've exceeded the time frame to submit a claim. When I called about it the supervisor at Capital One admitted they screwed up and that I was not informed of their timeline, and in fact they had all the information to submit the claim but they themselves waited too long. I feel this was intentional and if it wasn't, then they're totally incompetent. I would like this matter reported to the highest level as I do believe this is not an isolated incident. Their excuses as to why they couldn't file a chargeback are 100 % invalid.
Product: Debt collection

I have been working tirelessly to improve my credit and provide a better living situation for me and my children, despite having difficulties with collection agencies reporting false information to credit bureaus. Collection agency IQ DATA INTERNATIONAL has been falsely reporting to XXXX credit bureau since XX/XX/XXXX. My credit report states that my balance owed is {$16000.00} and that my original balance is XXXX. The balance amount constantly increasing. The original creditor is XXXX XXXX XXXX XXXX which is the name stated on the lease signed. Apparently they are going by multiple names because the name mentioned on court documentsXXXX XXXXXXXX XXXX XXXX, is not the company I signed my lease with. 
I signed a rental agreement on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I moved in a week later because I was told the building management had to move some else furniture into my apartment temporarily because the person 's apartment was not ready yet and they had nowhere to put their belongings. I was never compensated for this like I was told. This account is reporting the wrong balance owed. I have court documentation giving to me at court on XX/XX/XXXX stating that I owed {$3500.00} plus {$310.00} in attorney fees. As stated in a document I signed on XX/XX/XXXX I agreed to leave the apartment by XX/XX/XXXX, and I vacated as agreed. I also included this agreement signed on XX/XX/XXXX, a copy of the first and last page of my lease showing the {$1500.00} amount I paid for a security deposit that was not returned to me, and my balance was not adjusted to show it was applied to the amount I owed, and I also included with these documents to XXXX Credit bureau and IQ DATA International a copy of the cashiers check I paid to XXXX XXXX XXXX XXXXXXXX ( the original creditor ) towards my security deposit. The amount reported is again incorrect and this account should be removed.