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

I received an Alert Notice from XXXX that Synchrony Bank closed my CareCredit  card. 

Today, XX/XX/XXXX2023, I was finally able to get through to CareCredit Customer Service. When I inquired why my account was closed, the CS Rep said, " the bank closed the card ''. Over and over and over again, I ask the CS Rep WHY my CareCredit card was closed explaining that I have had the card since XXXX, that my credit scores are in mid-800s, and that I had never missed or been late on any payments. She kept repeating that the bank closed the card. 

I then requested to speak to a Manager. XXXX XXXX then took the call and upon asking him why the card was closed, he repeated same line as the CS Rep . I then made it very clear to XXXX that I wanted an explanation for why the card was closed. XXXX then said, on a call that I recorded ( per NYS law ) that the account was closed because the card expired, which I found rather humorous since the CareCredit Card does not! expire nor is there an expiration date on the card. I then told XXXX that I wanted an explanation for why the card was closed. He further repeated what he said falsely claiming the card expired in XXXX and that that is why the card was closed. 

I then told XXXX if he did not provide an actual reason for why the card was closed, I would file a complaint with the CFPB. He repeated his claim that the card expired in XXXX and that that is why the card was closed, thus this complaint.
Product: Credit reporting

I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report
Product: Debt collection

I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


CAINE & WEINER # XXXX Balance {$500.00}. 
XXXX XXXX & XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Product: Bank account or service

Today is XX/XX/2016 After me receiving my direct deposit on XX/XX/XXXX, I submitted all of my checks and ach deposits for payment only learning as of today Chase closed my account, when asked why they explained to me they did not have to supply reason only leaving me to now ask them for enough money to survive until they were to send me my remainder money through mail in ten of fourteen days. Well while I talked them into at least giving me {$1000.00} the remainder {$1200.00} will not be distributed to me until 10 to 14 days in a check in which this has cause me great hardship in getting my bills paid on time and without late fee or penalty. I want to complain the fact they closed my account without providing me proper notice of a closer and the fact they cause me insulting inconsolable inconvenience and an embarrassment state of closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, And XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
Product: Credit card or prepaid card

I was applied online on XXXX credit card, after that I got a letter " we do not have enough information about you, send us copy of your SSN and prove address '', I did that twice by fax, first time from my job, second time from Chase bank office. 
In several days I got approved on my XXXX credit card and I was expecting this card by mail, but I got a letter " we closed your account because we don't have enough information about you ''. I didn't get a card at all. I went to the bank, manager told me that they can not tell me anything, they will send me a letter with explanation. 
I waited more than month and I didn't get anything. Then I went to the Bank office and spoke with manager about this situation, he gave me phone number appropriate department, I called them and they told that account was closed more than 30 days ago and they can not do anything. It means if I got a letter from Bank I in time, I would have a chance to handle this situation, but they didn't send me anything. 
Also I don't understand why they don't have enough information about me if I sent them SSN and PG & E statement ( prove address ) and they approved credit card but after they closed account with explanation " we don't have enough information about you ''. 
My credit score dropped down from XXXX to XXXX because of this situation.
Product: Credit reporting or other personal consumer reports

Reference complaint # XXXX I have submitted numerous disputes in order to have the payment history of the account XXXX XXXX modified or deleted. It is XXXX that your reporting agency is failing to properly investigate my concerns. 
So now based on the law 15 usc 1681i ( 7 ) I am demanding you provide me proof of how you verified the payment history. Under that law you are obligated to provide detailed information including ; the name, phone number and address of the person you contacted to validate this information. I will be adding this to my records so I can sue using the case XXXX XXXX XXXX. Case # XXXX. Based on the law you have 15 days to provide me this information. Or you must delete the account. This is unfreakingbelievable how unprofessional your reporting agency has been.
Product: Vehicle loan or lease

Account:XXXX ; My car was involved in a accident on XX/XX/XXXX. I filled a claim with XXXX XXXX on XX/XX/XXXX th first time with XXXX XXXX ( claim # XXXX ). After two weeks of not hearing anything I contacted the head of claims and received contact from XXXX XXXX. I also contacted Skopos Financial LLC on XX/XX/XXXXand informed them that the car was totaled. I continued to receive calls from Skopos and each time I told them the same thing. In XX/XX/XXXX they finally transferred me to someone that deals with total loss vehicles. So in XX/XX/XXXX I guess Skopos finally contacted someone at XXXX XXXX and they came to a settlement. Within the XX/XX/XXXX I received a letter from Skopos they were selling my car. I then received a letter from XXXX XXXX ( GAP ) Program Administrator saying after XXXX XXXX settlement of {$10000.00} and after the coverage exclusion the following amount would be waved by my lender. Skopos waved {$3900.00}, not included was {$1400.00}, for missed payments, This is the amount that I am disputing, it is not my fault that Skopos allowed XXXX to take 4 months to settle this claim and because of this they feel that I should pay for their error. Plus they did an update on my credit report and instead of decreasing the amount I owe they increased the amount by $ 300+. Because of this I can not purchase another car and having problems getting a mortgage for a VA Home Mortgage. Any help you gan give me would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

I need my car I just started back working but I need my payments to be lowered right now abd the interest is killing me. I cant even afford to maintain the car right now. Anything helps.
Product: Mortgage

I entered into forbearance when Covid hit. The mortgage company I had at the time was XXXX XXXX they then sold my mortgage to XXXX XXXX and thats when the nightmare began. Once I went back to work ( XX/XX/XXXX ), I contacted XXXX to begin the modification process and they finally sent me the modification packet in XX/XX/XXXX. Here we are in XX/XX/XXXX and I have gotten pretty much no where with them I keep getting the run around. In XX/XX/XXXX they send a pact to fill out and sign so that they can finalize the modification process, but continue to send me monthly bills as if I have never began the modification process. Every time I call I get the run not to mention my point of contact person as changed numerous times. Now Im being told I have to pay XXXX, XXXX, and XXXX so they can finalize the process. It has been nothing but a tremendous nightmare. Please help and/or advise as to how to proceed with this nightmare. I have even put in a complaint to the XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking the transactions were unfeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in violation of XXXX XXXX and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make XXXX written request. This account must be removed as soon as possible. 

XXXX XXXX XXXX # XXXX Date fraud began XX/XX/2019 Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws.
Product: Money transfer, virtual currency, or money service

: Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. @ : Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to date I have tried to communicate with the credit bureaus through letters to validate some accounts that are being reported erroneously in my credit report, but the credit bureaus have completely ignored me already that, they have never given me results and they have not sent me answers via email. That is, they have violated my right to request information on my credit. For this reason I was forced to submit this complaint through this portal.In fact, one of the collection agencies intends to sue me just because I asked them to re-investigate the account since it was a collection account with the status " Open '' Which is wrong and can not be on the credit.

I hope you can help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX FIN DBA OF WO IS REPORTING TO DIFFENT BALANCE ON MY CREDIT REPORTS OF {$7500.00} AND {$16000.00} THE CAR HAS BEEN SOLD TO SOMEONE ELSE AND THEIR STILL SAYING I OWE THESE BALANCES ON MY CREDIT REPORT. I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act, specifically15 U.S.C. 1692c, I am formally requesting that all future communications regarding this debt be directed to me in writing at the address listed above. As I am exercising my rights under the law, I ask that you cease any further telephone contact unless I expressly request otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/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 an account without my handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

XX/XX/2019 ; Reported to collections showing on my XXXX report. For last month, repeated phone calls to my cell phone and my boyfriend 's cell phone trying to reach me to pay a debt I do not owe. I have an open claim with XXXX regarding Franklin Collection Services XXXX. They have reported a negative balance and collections to my credit report six times in the last month.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX  XXXX  Account Number : XXXX Amount : XXXX XXXX  : XXXX : $ XXXX Date of Account : XX/XX/year>
Product: Debt collection

Fams called me multiple times without my written consent, they also didnt disclose who they were. They didnt provide verification of the alleged debt from XXXX and they passed the statue of limitations in NY. They manipulated me and used threatening language to collect the debt. I was scared and almost paid my last to have them stop collections. I wasnt aware I had the ability to dispute the debt or they had to provide verification of debt. As a Consumer I want to exercise my rights under the Federal laws.
Product: Payday loan, title loan, or personal loan

On the eighth day of XXXX the year 2022 I XXXX XXXX Hereby certified that I am putting your company uplift INC on full legal warning. You claim you couldnt find any errors on the credit report as I have used factual base information to show you I will give you 30 days to remove the account in its entirety or else you will face the consequences! I have proof of taking legal acting before on creditors and credit reporting agencies if you dont believe me try me!
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX # XXXX AT {$1800.00} FOR TRANS UNION AND {$1800.00} FOR XXXX AND XXXX, LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 
XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX 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. 

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( e ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$55000.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX