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

Hi, This is to discuss a fraudulent account opened with Care Credit, a division of Synchrony. 

I was alerted through my credit monitoring that there was an decrease in my credit score on XX/XX/2023. 

In investigating, it was due to an account I have no knowledge of through the company " Care Credit '' ( Synchrony ) where an account was opened at a dental office in XXXX FL ( I live in XXXX, GA ). They had allowed someone to use my social security number with a different name, different phone number, and a different address to open an account and max out the card in two trips to a dental office in a state I have not lived in nor traveled to. 

While I did contact Care Credit and they issued a fraud investigation- they were rude and not helpful in understanding the process or next steps. I'm in the process of buying a house and they would give no path to resolution time frame or follow-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, Equifax and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.
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. 

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, 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 XXXXXXXX XXXX 

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

They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Credit card or prepaid card

I have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since the statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$3100.00} on XXXX  and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$9900.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. '' Synchrony Bank informed me that the reason is that purchases with details XXXXXXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XXXX, all purchases with details XXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.
Product: Debt collection

I had a lease vehicle through Ally Financial from XX/XX/XXXX until XX/XX/XXXX. I made timely payments throughout the life of the lease. I turned in the vehicle and took on a new lease. Unknown to me at the time, Ally did an inspection on the vehicle and asked for an additional {$530.00} in excess wear and tear on the vehicle. They mailed this request in a letter dated XX/XX/XXXX to my former address which I had vacated XX/XX/XXXX. All of my communication during this lease had been via email and my communication preferences on my account indicated this as my preference. No email was sent or phone call made in an attempt to resolve this situation. I only became aware of the debt because of accessing my annual credit report on XX/XX/XXXX provided by XXXX. I attempted to contact Ally that day to resolve this issue but was forwarded to a debt collection agency. I followed up with both Ally and the debt collector on XX/XX/XXXX with questions regarding the inspection report itself and why no one attempted to contact me and no one at the collection agency nor Ally is willing or able to give me that information.
Product: Debt collection

I have requested that the debt be validated and investigated with Credit Acceptance Corporation. Which was never done. I am trying to by a house and they are reporting a debt that does not belong to me. 

Its saying that the debt was charged off but i never recieved a 1099-C Cancelation of debt because its not mine.

I demand under FCRA : Section 604 : Permissible Purpose My written authorization ( i would like it mailed to me please ) Proof that I personally initiated this inquiry to acquire such card show me last purchases Either provide me strict proof or DELETE the item immediately. If you do not delete the charge off in 15 days I will take legal action. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the charge off or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

This is my last letter then I will promptly seek litigation. My attorneys are pending your reasonable response Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXX/XX/year>. XXXX XXXX XXXX XX/XX/year>. XXXX XX/XX/year>. XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XXXX XXXX XX/XX/year>. XXXX XXXX XX/XX/year>. XXXX XXXX via XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX XXXX XXXX XX/XX/year>. XXXX via XXXX XXXX XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Checking or savings account

I received an offer from Regions saying that I was prequalified for Regions XXXX XXXX Loan or a Regions XXXX XXXX Line of Credit. I applied and was told that I was not approved because in order to be eligible to accept my offer, I must have an open Regions savings or money market account with an available balance of at least {$260.00} and must have a Regions checking account. I in fact have those qualifications except the money market account. I have a XXXX account and a XXXX account with more than {$260.00}. I'm attaching proof. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2023, after several previous disputes, for XXXX collection accounts. 

The first dispute was with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On my complaint, it had where I could input the correct $ amount, per month, however, I did not do all of them. The credit reporting agency ONLY MODIFIED the account with the information that I, myself, input, The dispute results were readily available the VERY NEXT day, only showing the changes, I, myself, had input the day before. The dispute results were VERIFIED as ACCURATE, however, information not related to the dispute were UPDATED. Please tell me how that is ACCURATE? When the only changes were the dollar amounts that I PUT IN!? How is that an ACCURATE account? I am so fed up with this mess. 

The XXXX account I disputed was with XXXX XXXX  and again, it was VERIFIED as accurate, with some information being MODIFIED. 

If something is MODIFIED, it is CHANGED, which indicates INACCURATE INFORMATION. Just like if you MODIFIY your diet .... YOU ARE MAKING CHANGES! That is ALL the proof anyone needs ..... 

mod~i~fy ( per XXXX XXXX ) make partial or minor changes to ( something ), typically so as to improve it or to make less extreme ( per XXXX  ) - change, alter, vary, to make or become different. 

For them to MODIFY, the information had to have been WRONG.
Product: Mortgage

I am in need of your assistance please. My wife and I purchased a house in XXXX while we were XXXX, and as you know the market collapsed shortly thereafter. In XX/XX/XXXX I XXXX was forced to leave my family behind to continue trying to sell our house. After a couple months of nothing, and an upcoming XXXX to XXXX we decided to contact XXXX XXXX XXXX at the time for assistance, and they said they would n't help us so we had to leave the house as is. 
After being in XXXX for a couple months a friend of mine moved into our house, and I took out a loan from my Grandfather to get caught up on the house. We than got a long term resident in the house with intentions to purchase the house from us after settling some things from his last house. We got stationed in XXXX XXXX in XX/XX/XXXX where we lived until XX/XX/XXXX. 
In XXXX XXXX our renter up and left the house leaving us with no notice or anything. My wife 's paycheck was going strictly towards the house for 7 months until my wife had to quit because of orders taking us to XXXX where we are currently stationed. While we tried with the bank to do a short sale, we were getting the run around which was very difficult being in XXXX, and it did n't seem like the VA was helping us get the documents loaded into the system, and I had to make daily calls for a week at a time to make sure things were getting done, and after about a month we got an offer on our house that was very good. I called Nationstar and the VA again almost on a weekly basis to try and get the house sold. After well over 90 days of waiting on the bank and making constant phone calls, there was a really bad storm in XXXX where rain had got in the basement and our sump pump went out. We were than notified that there was mold damage now, and the buyers backed out, and we do n't have the means to get the mold fixed, and the bank said they would not pay for it. 
So now the only thing I could think of was a Deed in Lieu, to try to get this house out of my name and try to rebuild my credit. I submitted paperwork to the bank 2 weeks ago, and since then have been contacted by the bank 4 times asking about the short sale, and how that process was going. Each time I had to explain again that I had submitted the paperwork to do a Deed in Lieu. 
I am now convinced that if personnel that work at this bank and handled my account had done their job my house would have sold when we did the short sale, and they should be held accountable for what they have done. If this is happening to me and my family I ca n't help but think if there are other Soldiers and families going through the same difficulties as I am. As a XXXX I had to try to reach out to someone in a position to make a difference not only for me but also for what could be numerous Soldiers and their families that are going through the same problems. 
Thank you for your time Sincerely XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a rewards program through Chase - Chase Ultimate Rewards. I booked a ticket through the rewards center for XXXX XXXX XX/XX/XXXX. 

XXXX canceled the flight the night before i was supposed to leave. I called the Rewards Center and requested a points refund. I was told that they would issue me a refund but in dollars. I said that would be fine. 

A month later I had no credit. I called and was told that it could take up to 2 months. 

The following month I called again. I was told that I would only get point credits. i said that would be fine. No credits I called again. I was told that i would get a credit voucher from XXXX XXXX. This did not make me very happy as i would have liked to use it for a XXXX XXXX flight but I reluctantly agreed. 

On XX/XX/XXXX I called to book a trip with these credits. The trip was supposedly booked. I got a confirmation email. I went to the site and there was no trip for XX/XX/XXXX. 
On Thursday XX/XX/XXXX I called for help. I was on the phone for 1hour and 35 minutes. Of that time i was on hold for 1 hour 5 minutes. I was told it was all fixed and i could see the new flight the next day. 

On XXXX - no flight. I called and had to tell my story all over again. I was on the phone for 45 minutes. They were supposed to call me back right away. No call. 

I called again later in the day and spoke to a " supervisor '' XXXX who told me that she would need to eliminate the original ticket and issue an entirely new one. It would take XXXX hours and i should expect an email as soon as the new ticket was booked. No email and no new ticket 5 days later. That call lasted XXXX minutes. 

The horrendous service but, more importantly, the lack of ability to resolve this issue for me is extremely disturbing. I want my money back so i can close out this rewards program ( i still have XXXX other trip on XX/XX/XXXX before i do this ) and never have to deal with this organization again.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards Your name
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX in XX/XX/year>XXXX  with an interest rate of 25.98 %. In XX/XX/year>, I obtained a loan through XXXX XXXX XXXX XXXX for a much lower interest rate of 7.75 %. Founders paid the loan off with XXXX. XXXX has now placed a derogatory/negative remark " Settled-less than full balance '' on my account with has greatly impacted my ability to obtain future credit. This remark would insinuate that I had to make a settlement with XXXX because I failed to make timely payments which is not the case. 
I have a credit denial letter which indicated the reason for denial was a delinquency on an account in last 24 months. None of my accounts have been delinquent ; which is reflected on my credit reports. 
I was told upon loan origination with XXXX that there would be no prepayment penalties however, this does not appear to be the case in that XXXX is reporting a negative remark on my credit profile. 
I'm sure that I am not the first client to have been subjected to these unfair and illegal practices.
Product: Debt collection

My wife received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Second notice of unpaid fees informing us that we owe for unpaid tolls in DE. Her and I both live in Utah and have not been to Delaware in 7 years. After looking up this law firm this seems to be common practice for them. Multiple people have complained to the XXXX  about this exact same scenario from DE to CA regarding tolls. More so aimed towards the elderly. I urge federal consumer finance to please look into these complaints registered with the XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I brought my car to XXXX XXXX XXXX for an issue in my car. Prior to my visit, I was not informed that there would be a charge for the diagnostic service, and was simply expecting a breakdown of potential costs to fix it/examine it further. My car was left at the shop for approximately XXXX hours before the mechanic looked at it, despite no indication that there would be such a long wait time as I had an appointment. The mechanic inspected my vehicle for about XXXX minutes, identified the issue, and then informed me that the diagnostic fee was {$180.00}. 

I was not given any prior notification of this fee, nor was I provided with an estimate before the service was performed. As a result of the mechanics insistance, and my sole presence in the shop, I felt pressured to pay the fee, which I did using my Chase credit card.

I have since contacted the mechanic 's shop to dispute the charge, as I believe it was unfair to be charged without prior notice or consent. The shop refused to issue a refund or adjust the charge. I then contacted Chase to dispute the charge, explaining the lack of disclosure and the unsatisfactory service. However, the credit card company has also refused to take any action, stating there is nothing more they can do. 

I am a college student with limited financial resources, and this unexpected charge has placed a significant strain on my finances. I am seeking assistance from the CFPB to resolve this matter, as I believe I was unfairly charged and that both the mechanic 's shop and the credit card company have failed to provide adequate customer service. 

Key Details : - Date of Service : XX/XX/XXXX - Diagnostic Fee : {$180.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( located in XXXX, HI ) - Credit Card Company : Chase - **Actions Taken : ** Contacted the mechanic 's shop and credit card company to dispute the charge, both of whom refused to issue a refund or take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS LISTED WRONG THERE IS AN ALIAS NAME THAT IS NOT ME AND XXXX PREVIOUS ADDRESSES THAT ARE NOT MINE
Product: Checking or savings account

I have savings account in Citibank Acc # XXXX On XX/XX/XXXX XXXX tried to wire transfer some money to another External account and Citibank asked me to call them and verify I called and verified, but they suspected some fraudulent activity on my account and said they will close my account and open new account and transfer money to new account. 
On XX/XX/XXXX I tried to transfer money from new account it gave me messages that my account is under review and I will be able to transfer money in 24 to 48 hours. 
Till yesterday this continued. 
And today they said they have will review close my account in 30 to 60 days and send me the check. 
I need to access my money now and they are asking me to wait for 30 to 60 more days. I already waited 13 days to transfer and I can not Waite for 30 to 60 days
Product: Credit reporting or other personal consumer reports

XXXX has over the last XXXX years continually refused to remove items from disputes using their app. Stating information updated, or information verified when in fact other bureaus have been removing the same information as unverifiable. The companies in question through direct contact have also refused or been able to verify said debt to myself and to third party repair services. XXXX has engaged in illegal act XXXX by gatekeeping negative items while attempting to push it's own alternatives to fix poor credit