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

I have been with CareCredit over 20 years and, never missed a payment. My mother ( user of the card too ) passed away last year and when I informed them to remove her as she passed away - just complete lack of empathy- I probably should have closed all my Synchrony accts after that but I didnt. 
So Im recent weeks I have become a victim of massive Identity Theft - yet my CareCredit acct wasnt affected at all - and before I could finish sending letters to the 3 bureaus to block specific information on my reports due to Identify Theft, CareCredit had closed my account without any notice. Similar to most of what Im hearing, calling to inquire or request re-open is waste of time as they are not entertaining the idea at all. 

I manage a XXXX facility where we offer and we recommend CareCredit all the time for our clients. Almost every client we have applies for CareCredit as we are able to give them first hand personal experience of it being so useful and go into detail about when and how often we actually use it. After the sudden closing of my account and my recent experience with CareCredit and Synchrony, our practice will no longer continue to offer or recommend CareCredit at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Received dunning letter from RECEIVABLE MANAGEMENT GROUP , INC on XX/XX/2020. The letter was dated XX/XX/2020 attempting to collect debt of {$48.00} on behalf of XXXX XXXX of XXXX Florida for services on XX/XX/2020. 
I called their office today and spoke with a Ms. XXXX. I explained to Ms. XXXX that the XXXX  group failed to provide requested information to XXXX XXXX so that a claim for services rendered could be addressed I have an Explanation of Benefits from XXXX XXXX stating that my financial responsibility is XXXX on this claim. 

Therefor they are attempting to collect a debt for {$48.00} when the balance, per insurance contract is XXXX. 

Ms. XXXX did not want to discuss any matters relating to insurance whatsoever. 

In the event that this debt collector places any derogatory information on my credit report, I will pursue my legal remedies for slander of credit as well as pursuant to the Fair Debt Collection Act.
Product: Debt collection

I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. XXXX XXXX is the company.
Product: Credit card

Fraudulent charges reported by me ( in XXXX, XXXX ) regarding the following charges made in XXXX / XXXX on my Chase Sapphire Reserve Card : - XXXX XXXX, Amount {$5.00}, XX/XX/XXXX - XXXX  XXXX, Amount {$63.00}, XX/XX/XXXX - XXXX # XXXX, Amount {$79.00}, XX/XX/XXXX - XXXX XXXX # XXXX XXXX, Amount {$7.00}, XX/XX/XXXX - XXXX  XXXX, Amount {$36.00}, XX/XX/XXXX - XXXX XXXX XXXX  Amount {$28.00}, XX/XX/XXXX Chased denied these charges as fraudulent, posting a letter to my account on XX/XX/XXXX stating that 'I am responsible for the above transaction ( s ) ' due to 'reason ( s ) : You received benefit from this transaction. ' I called Chase on XX/XX/XXXX to discuss their decision. Customer representative informed me that these were denied because they were made with a physical card and my card wasn't reported stolen. I informed Chase that yes, my physical card was NOT stolen but that I did NOT make the above listed transactions. I asked them if my card could have been skimmed or copied at a gas station, and customer representative said yes. I asked so shouldn't I be refunded if a physical copy of my card was duplicated and I did not make these charges? Customer representative then repeated that charges were denied as fraudulent because they were made with a physical card and my card wasn't reported stolen. 

I asked customer representative to file a dispute during the phone call on XX/XX/XXXX since I believe someone skimmed and mad a physical copy of my card. Dispute is currently in review. 

Contacting CFPB because 1 ) I believe a duplicate was created of my physical card yet Chase didn't refund my initial request and 2 ) because I don't believe Chase is honoring their promised Zero Liability Protection for unauthorized charges made with your card or account information.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name Account name ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX  almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by HOLLOWAY CREDIT SOLUTIONS on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that HOLLOWAY CREDIT SOLUTIONS cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft repor. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to XXXX regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before all my accounts where absorbed by NAVIENT, they were deferred, so its Impossible that there was a late payment on XXXX XXXX. Most likely what happened is that because of the big change from us department of education loan services to Navient exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XXXX for 90 days when until XXXX everything in good standing as well as XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an 8 month old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
PM
Product: Credit card

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : these are the dates I called to fix the issue but issue was never resolved. 
Paid to XXXX : XXXX Worked with XXXX and got refunded. XXXX from the above amount Disputed XXXX with U.S bank and got provisional credit. 
Later U.S Bank recharged XXXX without confirming with me. 
Called multiple times the bank as mentioned above but didnt get help After figuring out the actual amount charged by XXXX was XXXX. Then bank credited XXXX. Later bank charge me back XXXX without confirming with me and didnt ask what happened and closed my case. 
Since the total was XXXX and bank re-charged me XXXX again, they still owe me XXXX instead of XXXX Ive spoken to supervisors and each time I call them I have to start from scratch explaining all over again and providing all the details, and they simply dont listen. They tell me I would get a call back within 48 business hours and it happened once me calling multiple times. I requested the person to send me a letter requesting proof of my receipts and she agreed but she didnt send it. After that, I have called again multiple times and never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit. I notice that they are some accounts that I did not authorize which is showing on my credit report. this is against the law for someone to steal your information and open fraudulent accounts which I did not authorize, this is truly a stress in my life
Product: Credit reporting or other personal consumer reports

I am writing this complaint to dispute with the consumer reporting agencies regarding inaccurate accounts that I have spotted in my consumer reports. Especially with XXXX. I want to make certain that my letter to the consumer reporting agencies is responded to and the disputes are initiated per FCRA 15 USC 1681i. I want my consumer reports reinvestigated because there are inaccurate late payment notation and dates, and there is missing payment history information regarding some of these accounts. The negative, inaccurate, and incomplete information being furnished and missing from my reports are damaging my character and reputation. Please resolve this immediately.
Product: Debt collection

I was sued by XXXX XXXX XXXX. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on Friday, XXXX XXXX, 2014 at XXXX XXXX at my home. I was at work almost 25 miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am XXXX and XXXX eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX ( XXXX XXXX ) should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid {$1000.00} of this debt which is MORE than the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on XX/XX/2019 gained unauthorized access to my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and I noticed accounts that shouldn't be visible. I called the credit reporting agencies and let them know the accounts included in the documents attached are not to be visible. I have never given written consent to report at anytime.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX ; XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Employer : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute to XXXX and Transunion about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX 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: Debt collection

I have sent dispute letters to experian informing them that my son went to court about this XXXX XXXX account that I co signed on was dismissed in court of law it was not resold to anyone because it has been removed from his credit profile and with out prejudice and responsibilities. The judge said to remove it! and I SENT in a copy of it to CFPB showing the court document and the response. Im not sure why if im showing you proof of the documents, remove it from my credit I was only a co signer NOT MY ACCOUNT! DELETE NOW I HAVE OVER 30 YEARS OF GREAT CREDIT AND THIS IS THE ONLY ITEM THATS negative!! remove now and forever. XXXXXXXX XXXX XXXX XXXX account # XXXX
Product: Checking or savings account

This is a complaint for Wells Fargo bank paperwork was filed XX/XX/XXXX for checks cashed by Wells Fargo bank. My bank submitted the correct paperwork and have not heard back. Checks were made out to XXXX and Wells Fargo cashed them because they went to the wrong XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These checks were paid via bill pay back of checks were stamped with Wells Fargo bank XXXX XXXX mercury XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
Product: Credit reporting or other personal consumer reports

I sent in my letters XX/XX/XXXX of this year and my report is still the same. I called Experian to fix the problem and they said they would do it and nothing happened.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Chase bank continues to place unnecessary holds on large deposits into my bank account. For example, my wife wrote a check to me for {$30000.00}. I deposited the check into my Chase bank account on XX/XX/23. The funds were withdrawn from my wife 's XXXX XXXX XXXX account on XX/XX/23. As of today ( XX/XX/23 ), Chase still has a hold on the funds in my account. The following message is displaying in my account online : " We need more time to collect the money from the paying bank so your deposited funds aren't available yet. '' This is 100 % not true. There is no reason why the funds should still be on hold in my bank account when the funds were withdrawn from my wife 's account 2 days ago. If the funds are not in my wife 's bank account and they are not in my bank account... where are the funds???? I need these funds asap.
Product: Student loan

ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?
Product: Credit card or prepaid card

I received a solicitation for a credit card from Elan Financial for a Fidelity branded credit card. The application was rejected and XXXX claimed I clicked decline on the online application. I asked to rectify and they said they would not honor the offer and they offered another card with less favorable cash back terms. The original offer had not expired and their behavior was typical of bait and switch schemes. 

I have sustatial deposits with Fidelity and a XXXX XXXX XXXX
Product: Credit card

Basically, I am locked out of my online credit card/checking account and customer service is unable/unwilling to help me regain access to my account... 

It all started a few days ago when I attempted to add a new bank account to my checking account ( all accounts are linked under the same ID ). When I added it, it asked me to enter my debit card number and pin to verify my account. I'm thinking 'fine, no problem. ' Well, I entered it and I get a message saying that 'this information does not match our records '. So I'm thinking 'Fine, I mistyped something ; stuff happens ' and tried it again. After 2 more tries, that's when I get an error message that my account has been locked out and to regain my access to my account I simply need to reset my password... 

And that leaves me to where I am now... 

Whenever I attempt to reset my password, I keep getting the error message that my account is locked and that none of the information I enter seems to match their records ... doesn't matter what card I use, what method I use to confirm my ID, nothing ; I keep getting the same error message...

I've contacted chat several times ( I included one of the screenshots ) and they keep telling me to keep doing the reset method, one of them told me to contact technical support. I did call tech support a few days ago and got disconnected...

I attempted to call tech support back and they never answered...

Yesterday I called customer service directly and after customer service repeated the same steps that chat told me about for resetting my password, they connected me to tech support, and guess what, I got disconnected again...

I called customer service back this morning and after waiting for 45 minutes, nobody ever answered my call.