23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I signed up for a chase freedom credit card XX/XX/XXXX. With the impression that the card pays back XXXX % of what you spend in the year if you have a chase checking and a credit card at the same time. I have had a chase bank account since XX/XX/XXXX so adding the credit card seemed like a good idea. I called XXXX months before the end of the year to check and see how the XXXX % back of what I spent in the year will be distributed. The first rep told me points when I did t see the check come in the mail. I asked if they were on XX/XX/XXXX or XX/XX/XXXX points they would always say the following month. When XX/XX/XXXX and XX/XX/XXXX came different reps told me that the points I have are the XXXX % cash back. At the time XXXX % of XXXX is not = to XXXX $ $ in points. When I said that the line dropped. I called back months later XX/XX/XXXX and a rep XXXX hung up the line when I tried to ask what happened to my cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 if 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

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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: Payday loan, title loan, personal loan, or advance loan

Republic Finance has sent me numerous text messages without ever providing consent to receive text messages. Also they have violated the XXXX rule for regulation F by continuing to contact me daily if not multiple times daily with voicemails and dialer calls. My loan payments are due on the XXXX of each month and I receive calls daily the day after my loan is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions sent certified letters in XX/XX/2020 til this day XX/XX/2020 which include my ID and SS card. Equifax has not removed these inquiries for which i have no account and do not recognized. so i call XX/XX/2020 and their customer service would not help and take care of the negative inquiries reporting to your credit report
Product: Credit card or prepaid card

My wife and I both applied for the Apple Card. We have similar income and her FICO is a bit higher than mine on all three bureaus. I was approve for $ XXXX and she was only approve for $ XXXX. At the time we thought it was really strange. I just read an article in XXXX XXXX about complaints on Goldman approving men for higher limits than women. I decided to file this complaint based on that.
Product: Money transfer, virtual currency, or money service

I responded to a XXXX ad advertising a house for rent in XXXX XXXX on XX/XX/XXXX, and my boyfriend went over to check out a house XXXX XXXX and XXXX XXXX were renting. He met XXXX and his little kids. It was great and I was really excited they wanted to rent to me. I paid a deposit after signing a rental agreement over XXXX of {$1300.00}. He wanted first and last month 's rent up front, and I only paid him first month ( though tried to pay just a smaller amount, since it was all so offline ). I was meant to move in XX/XX/XXXX. On XX/XX/XXXX, XXXX told me that a better offer had come in over XXXX and asked if I could be flexible, since I mentioned wanting to move in over a variety of dates. I decided I could be, and spent a month waiting for him to update our rental agreement. XXXX always eventually responded, even when I got nervous he was going to ghost me - like when his XXXX messages stopped going through. But then he'd respond to an email, saying he'd get to the rental agreement that day. Eventually he did update the rental agreement, so that I would move in XX/XX/XXXX - XX/XX/XXXX and gave me a free month of rent. Then he never showed up to let me into the house or give me keys. I reported this to my bank on XX/XX/XXXX. They were looking into it as fraud. They said they did not have enough information to prove it was fraud. I have had to spend countless hours on hold trying to reach them to follow up on this and managing my accounts impacted by fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Each time, I meticulously listed the disputed accounts and highlighted the violations they were causing to my consumer report. 

Despite this, it has now been over 30 days, and I have not received any response from your end. 

For your reference, I have attached copies of all the letters I sent regarding these disputes. 

I urge you to address this matter promptly and provide a resolution.
Product: Credit card or prepaid card

Synchrony Bank / Lowes charges {$2.00} above the already high interest rate. The rate has increased because of the Fed and every month they had a fee because there is interest. i have had the card 6 years, never missed a payment. I called and they confirmed they charge a {$2.00} fee above the interest i already pay. i do not brie e this is fair and they are charging above and beyond what they should. This seems fraudulent and they are gouging us. thx
Product: Debt collection

I XXXX XXXX entered into a consumer agreement with XXXX for car insurance and was a college student at the time. Caine & Weiner opened a collection account on XX/XX/2020 for $ XXXX.XXXX illegally sold my debt to Caine & Weiner ( which is a third party ) .Caine & Weiner is violation of the following 15 USC 1692d ( 2 ) ,15 USC 1681a ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ).
Product: Credit card

I have a cash balance of over {$300.00} ; the online policy states you can use it for credit toward your balance or have the reward sent to a bank account. First call I contacted customer service gave them my bank routing and account number. Over a week went by, and nothing had transpired. During the second call, customer service retook my bank account information. Weeks have gone bye not transfer. I called a third time and explained I wanted to talk to a supervisor or manager ; he put me on hold then hung up
Product: Money transfer, virtual currency, or money service

I was told I was putting {$200.00} as a down payment for a puppy to be shipped from XXXX XXXX. Upon asking for tracking information and flight information, the seller would not answer any of my communications. I politely asked him to send a refund through PayPal where the payment was transferred. He would not reply. 

You sent {$200.00} USD to XXXX XXXX Transaction Details Transaction ID : XXXX XX/XX/2018 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX The person spoke with my husband and his name is XXXX. The email states XXXX. He told me last night the puppy was checked and in good health and this morning when I asked what was taking so long for flight info, he said he had to take it to the vet.
Product: Student loan

Took out a loan, originally with Sallie Mae who sold it to Navient in XX/XX/2014. The original note with Navient was over 26,000.00. The school was XXXX XXXX out of XXXX XXXX Colorado. The loan was to assist with achieving a XXXX XXXX XXXX. Not long after taking a few lessons from XXXX XXXX, they closed their doors and went out of business. Still responsible for this loan, which my mother co-signed for. The guidelines for removing the co signor was to allow Navient to deduct from my personal bank account the monthly payment, be on time for 12 months, and they would remove the co-signor. The loan is now paid down to just over {$6000.00}, the loan has been paid on time, for over 12 months. Filled out the paper work required to remove the co-signor, and my claim was denied. After calling to find out the details, was informed that they needed a " Certificate of Completion '' from the school, in order to remove the co-signor. This of course is impossible, but Navient will not budge. They have suggested taking out another loan to pay of this student loan, or go to a different school to get the XXXX XXXX XXXX. Both are out of the question. Spent well over an hour on the telephone with different supervisors, but they will not make an exception. 
There is no way to contact this school, another school with the same name is in the XXXX but they claim they are not affiliated
Product: Credit reporting, credit repair services, or other personal consumer reports

My Comenity Sony branded visa has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, XXXX XXXX XXXX
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 XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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: Consumer Loan

I was a victim of Hurricane XXXX. I live XXXX miles from the XXXX County, XXXX ( dead center hit of the storm ). I was out of work, quarantined in my home/neighborhood, then on a curfew, completely out of service -- phone, cell, electric, heat and gas for our cars was rationed. I did not receive bills or mail, could not pay bills which resulted in falling behind in my bills. I received a government mortgage modification and it took several years to get completely back on track financially. However, regardless of the struggles and attempts to communicate with Citizens Bank they were intent on repossessing my car. Furthermore, they lied about how the money, I was advised to wire to them, was going to be allocated. In XXXX 2017, I finished paying my car loan, every penny, however, I did not receive my title. I contacted Citizens Bank only to XXXX I still owed late fees even though I was advised, late fees were covered at the time of the wired payment to Citizens Bank. I was advised the wired funds I had sent were going to be applied to late payments, as well as, fees for the late payments. However, Citizens never applied funds to the late fees. I sent a letter explaining the same to Citizens requesting relief from these late fees incurred during the natural disaster, since the bank did not apply them as they advised they would. To date Citizens bank has not responded to my letter. I also attempted to call the headquarters and could not reach anyone in my call who could confirm my letter was received ; the name of the CEO at Citizen 's ; or the correct address of the headquarters. The representative was unable to tell me anything about the bank they worked for ( ( XXXX XXXX XXXX ; customer service ). My letter was sent to XXXX XXXX ; RBS Citizens Financial Group, XXXX Citizens XXXX, XXXX RI, XXXX. In my letter to Citizens I also requested the recorded phone tapes surrounding the reposition incident be examined to support what I was told and how I was treated. 

I am requesting Citizen 's Bank waive the late fees ; send me my title ; remove any negative marks from my credit report on and following XXXX -- Hurricane XXXX. Your help is requested in contacting them and achieving this thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of a charge-off account by Credit Acceptance Corporation on my credit report. This account has been fully paid off, yet it is still listed as an outstanding charge-off, which inaccurately affects my credit profile.

I believe this is an error, as I fulfilled my financial obligation and cleared this debt in full. Additionally, I ask the CFPB to facilitate the resolution of this matter to ensure the accuracy of my credit report. Please let me know if any further documentation is required to support my case.
Product: Credit card or prepaid card

Hello, I have been charged a {$29.00} annual fee since 2012 and according the capital one secured site it states that {$0.00} annual fee but I have been charged every year since XX/XX/2012.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Sq XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the XXXX XXXX, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. My information was also impacted by XXXX, Equifax and XXXX data breach and May have got into the hands of the wrong person. I am writing to request that you block ( FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report and there were accounts and inquires on my credit report that are not mine and ARE UNAUTHORIZED. I filed a formal complaint with the Federal Trade Commission. 
Remove fraudulent account as I have no knowledge of any of these accounts due to EQUIFAX breach Identity theft. 
XXXX  XXXX XXXX Balance : {$10000.00} FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY.
Product: Credit card or prepaid card

I am having a problem with my CareCredit account, which is up under Synchrony Bank. They are penalizing me for disputing a charge, and not giving me the provisional credit that they are claiming that they are doing, which is required by Federal Regulations. 

I had a credit limit of {$1900.00} with CareCredit. Therefore my available credit limit was {$1900.00}. I made a one time purchase for {$1800.00}. As a result of such, my available credit limit became {$5.00}. After that, I made a one time payment to CareCredit, of {$1800.00} to pay off my entire balance. Such payment brought my available credit limit back to the original amount of {$1900.00}. I have not used my CareCredit account since then, so my available credit remained at {$1900.00}. 

Because the purchase I made for the {$1800.00} contained a breach of contract, I disputed such charge with CareCredit, and subsequently was told that I was going to be given a provisional credit for the disputed amount. Instead of being given a provisional credit, prior to doing so CareCredit placed a hold on my account for {$1800.00}, in order to stop the provisional credit of {$1800.00} to be given in good faith. Such action flies in the face of 12 CFR 205 Electronic Fund Transfers, as governed by Regulation E. ( https : //www.federalreserve.gov/supervisionreg/reglisting.htm ). 

For me to have an available credit limit of {$1900.00}, then dispute a charge of {$1800.00}, just be given a provisional credit of {$1800.00} right after a hold is placed on my account for {$1800.00}, is tantamount to not being given a provisional credit at all. In fact, since the hold has been placed on my account prior to the provisional credit being posted, my current available credit is only {$5.00} and will remain at {$5.00} until the provisional credit posts to my account ( when prior to such dispute my available credit was {$1900.00}. ) If my available credit limit was {$1900.00} prior to the dispute, and after the provisional credit of {$1800.00} is posted, my credit limit is still {$1900.00}, where is the provisional credit at? 

By Synchrony Bank and CareCredit placing a hold on my account for the amount I am disputing while offering me a provisional credit, they are surreptitiously circumventing the banking regulations set forth to protect consumers, and finding a way to abuse my rights as such consumer. CareCredit is making it appear as if they are giving me a provisional credit when they are in fact not doing so. 

I spoke to three different people regarding this issue on the morning of Sunday, XX/XX/2022. The people that I spoke to were representatives by the name of Nurse ( phonetic spelling ), via phone ; XXXX, via SMS ; and XXXX, who said he was a manager, via phone. None of the three parties made an attempt to resolve this issue.