23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To whom It May Concern, I am filing a formal complaint against CareCredit, issued by Synchrony Bank, regarding unauthorized and unsafe charges applied by XXXX XXXX XXXX to my account. Due to the serious nature of the incident, which nearly cost me my life, I am requesting the XXXX XXXX XXXX XXXX assistance in resolving this matter. 

Details of the Dispute : On XX/XX/year>, I visited XXXX XXXX XXXX for dental treatment. Unbeknownst to me at the time, the procedure was administered by an individual claiming to be a dentist, who I later discovered was unlicensed since I had health issues. This unlicensed individual performed substandard and incomplete dental work, jeopardizing my health and safety. I had to not only re start my dental work but he caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sides. Upon further investigation, I found that this individual has a criminal record, which further underscores the negligence involved. 

To address this situation, I took the following actions : XXXX. Filed a Police Report : I promptly filed a police report to document the incident. The report includes details of the unlicensed provider and criminal background information. 
XXXX. Attempted Resolution with CareCredit/Synchrony Bank : I reached out to CareCredit/Synchrony Bank to dispute these charges and seek a reversal based on the fraudulent and dangerous nature of the service. Unfortunately, no resolution was reached. 

Given the unlicensed treatment, incomplete services, and extreme health risks involved, I firmly believe these charges should be removed from my account. Synchrony Banks refusal to take action in such a serious matter raises concerns about consumer protection and financial accountability. 

Requested Resolution : I am respectfully requesting the CFPBs assistance to ensure the reversal of these charges by Synchrony Bank, as I should not be held financially responsible for fraudulent and dangerous services that were not delivered as promised. 

Thank you for your time and assistance. I am prepared to provide all necessary documentation, including the police report, criminal background information, and any additional records, to support this dispute. 

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

This company has not updated my account. These are the accounts I mark as inaccurate
Product: Student loan

So I attended XXXX in XXXX XXXX XXXX In Texas and before I even graduated they closed the school down. I find it a bit unfair to have to pay this loans back when they shut down the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. Please update status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action aga
inst your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

I have been receiving correspondence from Jefferson Capital Systems LLC since XXXX of XXXX stating that I owe an alleged debt. My account information was sold to Jefferson Capital Systems LLC by XXXX XXXX. Which is a violation of my privacy rights. Despite the alleged debt is over 7 years old they are still making attempts to collect this alleged debt. On Tuesday XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  eastern time. I spoke with an agent named XXXX and their agent ID is XXXX. I called to get the balance and account number and at the end of the call I ordered the agent to cease and desist all communication. The alleged debt that I owe is {$460.00}. They are in violation of 15USC 1692 F1 and 15USC 1692 F8
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. Specifically, I request the removal of missed payments reported for XXXX, XXXX, and XX/XX/year> on my XXXX XXXX account. I have been a loyal XXXX XXXX customer for 22 years, never missing a payment until this incident, which was caused by an error on their part. XXXX XXXX inadvertently turned off my autopay feature during a period when I was dealing with medical health issues. Upon realizing this, I contacted them, and they corrected my account, reinstated autopay, and assured me they would rectify the mistake on their end. However, these missed payments remain on my credit report, damaging my otherwise impeccable credit history. 

Under the FCRA, you are obligated to ensure the accuracy of reported information ( 15 U.S.C. 1681e ( b ) ). These late payments are not reflective of my payment history but rather an error by XXXX XXXX, which they have acknowledged. I demand that you investigate this matter and remove these derogatory marks from my credit report within the 30-day timeframe mandated by law.

Additionally, I am raising a broader complaint about the predatory practice of credit utilization, which has harmed my credit score despite my fiscal responsibility. For years, I relied on a single credit cardmy XXXX XXXXrunning all expenses through it for incentives like points and cash back, paying it off in full monthly. To my surprise, my credit score suffered due to high credit utilization, a metric consumers are not adequately informed about until its too late. This lack of transparency has led to higher interest rates on loans, forcing me to take out additional cards to mitigate the issuean outcome that benefits the credit industry at consumers expense. I assert that this practice violates the spirit of fair and transparent credit reporting under the FCRA and constitutes a predatory scheme perpetuated by the Big Three credit bureausEquifax, Experian, and TransUnionall influenced by the same financial giants ( XXXX, XXXX, XXXX, XXXX XXXX ). I am currently filming a documentary, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, to expose these practices, supported by my published papers on the subject. 

Please remove the inaccurate missed payment notations from my report and provide written confirmation of the correction. If further documentation is needed regarding the XXXX XXXX error, I am happy to provide it. I am also filing complaints with Experian, TransUnion, and the Consumer Financial Protection Bureau to address both this specific issue and the systemic problem of credit utilization. I am also requesting that the utilization model that is currently being used on my account be removed. It does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to investigate and correct inaccurate or incomplete information. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me in relation to the alleged debt referenced in your communication dated XXXX. Your continued attempts to contact me regarding this matter are not only unwarranted but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

I am aware of my rights under the FDCPA, and I want to remind you of your legal obligations : 1. Under FDCPA 805 ( c ), you are prohibited from communicating with me if I have informed you in writing that I refuse to pay the alleged debt or that I wish to cease communication.

2. FDCPA 805 ( a ) ( 2 ) dictates that you must cease communication if I have notified you in writing that I dispute the validity of the debt and request verification.

3. FDCPA 806 ( 5 ) specifies that you are prohibited from causing a telephone to ring or engaging in any other conduct that is intended to annoy, abuse, or harass any person.

4. FDCPA 807 ( 11 ) states that you may not use false, deceptive, or misleading representations in connection with the collection of any debt.

Given the aforementioned legal provisions, I demand that you immediately cease all communication with me regarding this alleged debt including reporting to my consumer report. Failure to comply with this request may result in my pursuing legal action against your agency for violation of the FDCPA and any other applicable laws. 

Please consider this letter as a final warning and a demand that you respect my rights as a consumer. Any further violation of the FDCPA or other consumer protection laws will not be tolerated. 

Please acknowledge receipt of this letter in writing and confirm your commitment to ceasing all communication regarding the alleged debt. Your prompt attention to this matter is expected. 

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

Dear Sir/Madam, I am writing to file a formal dispute regarding several fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I request your immediate attention and assistance in removing these unauthorized inquiries from my credit history. I believe it is crucial to address this matter promptly to protect my rights and restore the accuracy and integrity of my credit report. 

I have recently reviewed my credit report from TransUnion and discovered the following fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge or consent, and I firmly believe that they are the result of identity theft. As a diligent and responsible consumer, I have always maintained a vigilant approach towards monitoring my credit report. However, due to the sophisticated nature of this fraudulent activity, I regretfully admit that I did not notice these inquiries until recently. 

According to the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have certain rights and protections. Section 1681g ( e ) ( 3 ) ( B ) of the FCRA clearly states that when a consumer disputes the accuracy or completeness of information in their credit file due to identity theft, the consumer reporting agency must block the disputed information from their credit report within four business days of receiving the dispute.

I kindly request that the Consumer Financial Protection Bureau initiates an investigation into this matter and ensures that the aforementioned fraudulent hard inquiries are promptly removed from my TransUnion credit report. By doing so, you will not only be upholding the law but also protecting my rights as a victim of identity theft.

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once the fraudulent inquiries have been successfully removed from my credit report. Furthermore, I kindly ask that you provide me with a copy of the updated credit report after the necessary corrections have been made.

Please feel free to contact me if any further information is required from my end. I look forward to your assistance and resolution of this matter in a timely manner. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I've already filed a complaint [ XXXX-XXXX  ] that the company basically shrugged off. They have me signed up for their automated payment plan. It's a no touch plan that they alone are in total control of. Despite this fact, they continue to mismanage the payment process and blame me for their own incompetence. After essentially denying my complaint, I finally got someone at the company to realize that I was, in fact, right and the company issued a credit bureau retraction letter ; however, they're back to mismanaging my account and I don't have control over it, per se, because they are handling it on a totally automated basis. I need CFPB 's intervention at this point because the company is clearly incompetent -- both in the handling of my account and in the investigation of my complaint -- and its doing damage to my credit and my piece of mind. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit file. 
XXXX Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$490.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. UNAUTHORIZED COLLECTION - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$830.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with Trans Union, XXXX, XXXX they also have records and files the is wrong.
Product: Credit reporting or other personal consumer reports

I mailed in an original of my wife 's death certificate and requested a death notice be applied to her credit report and shared with the other agencies a month ago. I then received a canned reply via mail asking for proof I am the authorized representative with a will or Power of Attorney or Letters Testamentary. There was no will nor probate. I am the next of kin and executor. I called and spoke with an outsourced foreign scriptreader who told me all i needed to do was mail it again with a copy of my driver 's license, which I did, and OF COURSE, today I received yet another canned response via mail asking for he same documentation.
Product: Checking or savings account

Checks were ordered in my name using my Social Security, Birth Date, and all other pertinent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto title loan with XXXX XXXX  that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to XXXX and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
Product: Credit card or prepaid card

Today, XX/XX/2021, my Bluebird  application, website, and card ceased to function. Several transactions were declined at a car wash and at an ATM location. I reached out to their customer service number on my card at XXXX attempting to reach service but they turned their phone system off. I reached out via @ XXXX on XXXX and @ AmericanExpress on XXXX and received no information or help. This issue started around XXXX EST. It is XXXX EST. I can now access my online account via the website but my app and card still do not work. Funds were debited from my account for charges that were declined and I still can not reach customer service to resolve. This is not the first time an outage like this has happened to this institution.
Product: Debt collection

Amsher Collection Services has reported a debt by XXXX to XXXX with out Debt Verfication
Product: Credit card or prepaid card

FRAUD. CREDIT CARD WAS OPENED FRAUDULENTLY. I NEVER APPLIED FOR THIS CARD. CARD WAS OPEN UNDER MY NAME AND I DID NOT OPEN THIS CARD. THIS IS FRAUD. PLEASE REMOVE OFF OF ALL CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I told Capital One to stop calling this number XXXX last XX/XX/XXXX. I again reminded them on XX/XX/XXXX and have still gotten calls since. After that, I got calls on the following dates : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I told them multiple times I could be reached at my cell phone ONLY. And that this was a business number and to NOT contact me at that number because it could get me fired. Yet they continued to multiple times.
Product: Credit reporting or other personal consumer reports

I have a secured credit card with Nerd up by Nerd Wallet, I have had this account for about 6 months now they continue to report my credit limit as 0 but show my balance every month which is affecting my utilization causes my credit score to suffer making me ineligible for better rates and other cards. They also don't provide regular consistent updates to the credit agencies. I have made several attempts to get them to correct this with no avail.
Product: Checking or savings account

I'm XX/XX/year>, I reported fraud on my navy federal credit union account due to unauthorized charges that had been debiting my account. 
They first agreed to dispute the charges since they are my financial institution but later refused to dispute the charges stated they have a relationship with the life insurance company XXXX and has agreed not to file any disputes.