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

On XX/XX/2023 I sent certified mail to all three credit reporting agencies and Synchrony Bank/Care Credit CEO XXXX XXXX and to Synchrony Bank/Care Credit ( XXXX XXXX XXXX XXXXXXXX ) dispute department. Stating Consumer Codes 15 U.S. Codes 1681s-2/ 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer. 

Synchrony Bank/Care Credit is reporting that the account is full paid/closed/charged off. I have requesting that this account be deleted from my credit report but is being denied. I WANT THIS ACCOUNT DELETED AS ALL OTHER CLOSED ACCOUNTS.
Product: Student loan

I consolidated a loan I held with Navient through the Department of Education. On XX/XX/2034, {$13000.00} was applied to my Navient account and the loan was paid in full. My account was left with a positive balance of {$400.00}. I called Navient on XX/XX/XXXX to inquire about a refund and was told it would be sent directly to my new servicer. On XX/XX/XXXX my account shows an adjustment of {$400.00}, how this amount has not been sent to my current servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago, I called Equifax because I was getting the attached error message when logging into my account to obtain and dispute my credit report and the representative I talked to could not help me. He said Equifax has duplicate accounts for me and this is causing me to not be able to access my account. Equifax needs to fix this on their end. Me calling in is not going to help. I have called several times and nothing has been resolving towards me accessing my credit report. 

When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.
Product: Debt collection

I am being contacted by a debt collection company working for HSBC Bank to collect a balance of {$690.00}. After several voice mails threatening to bring legal documents to my home or place of employment, I returned the call to find out what is going on. I am currently working on getting my debts paid and there was already a payment arrangement in place with XXXX XXXX XXXX to start auto payments. Upon speaking with this company, I withdrew the agreement. I returned a call to XXXX XXXX XXXX XXXX and spoke with a man by the name of XXXX XXXX. I used the referred case number given. When I spoke with him, the first thing he told me was they were employed by HSBC to issue a forceful collection act against me if I did not make a payment. I explained that in the state of Pennsylvania that is illegal to threaten anyone with wage attachment. He argued with me that they can in fact sue me. I told him I was aware I could be sued, but that my wages could not be attached so I would be discuss options, but not to threaten me by coming to my home or place of employment. I do have the voice mails saved and attached the transcription. He then told me they would sue me and attach my wages. I told him to go ahead and do it. He told me " good luck in court '' and hung up on me.
Product: Payday loan, title loan, or personal loan

I called the company today to pay off the remaining of my principal balance. When they offer me the loan before, they said i can pay off the loan any time without any penalty. I have remaining {$640.00} on my principal balance. They said they can not process my payment because they already processing the {$190.00} payment that is due for tomorrow. So I said fine, then process the remaining {$630.00}, the remainder after that {$190.00} deductions. They said, they can not process it till Monday. Today is just Thursday. Then they said, on Monday, it will be {$660.00} and some cents. I asked, is that even after they deducts {$190.00} from my account?, they said yes. I said why is it too much. They said, because of the interest fee on those days before Monday. I said, that is why I am paying it off now, to avoid additional interests fee. They gave me a hard time over the phone. I attached the summary of the breakdown of my payments supposed to be. But this people lied about I can cancel at any time without any penalties. I have another loan that I also just paid off. They let me pay it off without question. They even made some deductions on my remaining principal balance because I was paying it off. But this company wont do that, and they have very high interest rate on top of it.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account XXXX : 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 XXXX XXXX Account Number : XXXX 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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX  XXXX made on XX/XX/2023 in the amount of {$190.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear creditor or whoever it may concern on XX/XX/2019 an account on my transunion called XXXX for XXXX XXXX of {$170.00} went into collections and the account seems to be fradulent I've never once had an account with XX/XX/XXXX of that amount
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, such as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I was scammed in XXXX of 2023 I made a report as soon as I noticed I was scammed. I was at a party and my phone, SS card, bank card, and credit cards were stolen. I got home logged into my bank account and saw XXXX {$500.00} charges I called the bank immediately as soon as I saw these unknown charges. When calling the rep stated it would be best to close my account and make a new one I said ok. A few days later Bank of America XXXX all of my accounts. I was going to the XXXX branch located at XXXX XXXX XXXX XXXX, CT to open new accounts such as a checking and savings I was told because of the banks decision I could not open new accounts. I then called XXXX and Closure and I was told I could not open new accounts for XXXX years or possibly I could never have another account with Bank Of America I have a MAJOR PROBLEM with this I WAS THE ONE WHO WAS SCAMMED IM THE VICTIM AND I CAN NOT HAVE AN ACCOUNT WITH WITH BANK OF AMERICA I feel this is cruel and incorrect please advise on what can be done to fix this. I ALSO WANT TO KNOW WHAT CAN BE DONE ABOUT ME RECEIVING THE {$1000.00} I was scammed out of by XXXX payment. Please email or contact me by phone on how this can be resolved. I would keep contacting by phone however reps are not clear on what I can do or what can be done about this situation.
Product: Credit card or prepaid card

I went to Jc penney to buy my children clothes since they had not have new clothes in a while and they really need it it. The register lady asked if i wanted apply for a credit car and my response was no she asked why and I told her I never get approved and also did not want anything to do with a credit car store anyway aince I had a problem with one recently.she told me I could apply just to get a discount from my purchase just to save me money so Ofcoarse I accepted to apply for the discount as I knew I was going to be denied anyways .so She said I was appoved I worried and told her ok but I do not want a credit card so I dont approve of opening it she said no problem that I would still get the discount for chekimg if I could be approved for one so Before paying ahe asked me if To get 10 % of that she wanted to save me more money that I could not pay the full balance of my pirchase and then just pay when I needed to pay on the credit card and then cancel the credit card after making my full purchase I again told her no I do not want a credit car at all Ill skip the 10 % which made more sense as of I do not want a store credit card she said ok its fine so I asked I wont be getting a credit card right she then answered no she said that I will still get the discount just not the 10 % more so I was relieved but here I am with a jcpenney credit card which I repeatedly told ger I did not want the Jcpenney credit card that all I wanted was the savings she mentioned that I would get just for chekimg if I would get approved so this person opened this credit card by with all this lies and acting like a good person just trying to save me money .I trusted I wouldnt get a credit card since I told her several times I dint want it please help I will not be applying anymore even if they tell me just to save me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CXXXX XXXX XXXX XXXX,  ROUNDPOINT MTG, and XXXX/XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, ROUNDPOINT MTG, and XXXX/XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I have reported fraud and identity theft as well as several letters to the company. Including codes : 15 U.S.C. 1681i 15 U.S.C. 1681s-2 15 U.S.C. 1681c 15 U.S.C. 1681b 15 U.S.C. 1692g 15 U.S.C. 1692e 15 U.S.C. 1692c
Product: Vehicle loan or lease

I recieved a check from my insurance company for jail damage on my truck. I was only 4.paymemts away from. Paying off my loan so thru secure messages on my account t with TD auto I asked what I needed to do to request.that the check be applied to my account to payoff my truck and to send me the proceeds. They replied and I did what they said I had to do. I waited 3 weeks and got a letter saying I had.to send.them proof of repairs to get any money back. I was not happy called.customer service got.told the same thing asked to talk to a manager. Got told that department had gone home and a manager would call me back within 24 hrs. After 48 hrs I got online and made a payment to payoff my loan. My account is closed.i called today and.got.told it would be.another 30 days before I would recieve any money due to me. They suggested I should call my insurance company and tell them I no longer have a Lien on my truck and maybe they could reissue a check. Again I asked to talk to a manager and got told it would probably be a long wait. Left my number and expect a call back???? Not the way this bank empire does business. I just want my money so I can go buy a new.vehicle. Will never do business with TD FInance again. XXXX XXXX XXXX XXXX XXXX where they treat veterans with respect.
Product: Vehicle loan or lease

Hello, My husband is military and we are filing this complaint in regards to a vehicle he had charged off by Exeter Finance 7 years ago yet was left in our custody. Because we live on a military base the vehicle has to be registered with current tags. We have been attempting to get the company to send the title to DMV, we are not asking to have possession of the title but they refuse. They have yet to send anything other than a copy failing to understand we need the title to be transferred to the state of Tennessee now. I believe this is a UDAAP violation ( unfair, deceptive, or abusive acts or practices ) considering they are using it as leverage to collect a debt out of the court system. If we don't get this figured out we could face eviction because it is against our lease to have an " immobile '' vehicle.
Product: Credit card or prepaid card

My Capital One Quicksilver account was in good standing for 11 years. I tried to use the card and it was declined. I called CapitalOne who said the account was closed because it was not utilized enough. No warning was given. There was no minimum use required in the card agreement. This was my longest opened credit card and has now damaged my credit score with the account closure.
Product: Money transfer, virtual currency, or money service

Was given an initial email on XXXX from Coinbase Compliance requesting additional information to verify my Coinbase account. No notification was given in the Mobile App so I assumed the initial email was a scam. Several follow up reminder emails were sent on XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX which mentioned since Coinbase hadn't received a response to the initial email sent on XXXX, my account would be restricted. My account was restricted from buys/sells, withdrawal and transferring. I responded back to the initial email on XX/XX/XXXX with the requested information of 3 recent paystubs from my Employer, XXXX W-2 and 3 recent months of bank statements. On XX/XX/XXXX, Coinbase sent an email mentioning that theyve received my documentation. On XXXX, Coinbase sent another email mentioning that the review is currently under progress. It is currently XXXX and my account is still restricted with an inability to withdraw, buy/sell or deposit funds/ cryptocurrency. Requesting that Coinbase hastily un-restrict my account as I've provided all requested documentation and have given them a considerable amount of time to perform their Know Your Customer ( KYC ) information check. 

Case # XXXX
Product: Mortgage

Around XX/XX/XXXX, I noticed a loan on my account from Chase Bank. I contacted Chase at that time, and I sent in the necessary documents multiple times to have the loan removed from my credit report. I believed that the case had been closed by then. However, in approximately XX/XX/XXXX, I received a 1099-C, along with bills from the IRS and XXXX, totaling approximately {$70000.00} in taxes for earned income that I had never actually earned. Not knowing what to do, my accountant advised me to contact Chase. 
I attempted to have the 1099-C removed, but on XX/XX/XXXX, you sent me a letter stating that you couldn't reopen the case since I hadn't sent back some documents in XXXX ( please see the attached letter ). With no other option, my accountant amended my return and included the income along with an identity theft expense. However, the IRS audited this item and is now requesting that I obtain Chase 's assistance in re-filing the 1099-C.
Product: Mortgage

I thought very highly of Chase Bank, my mortgage lender, until they were over 30 days late paying my homeowners insurance from my escrow, resulting in my policy being cancelled. After speaking with my insurance agent, I was informed that I may be penalized with a higher insurance rate when purchasing a new policy. I spoke with a customer service representative with Chase Bank this morning, and when I told him they provided a late payment he reiterated it was paid on XX/XX/XXXX ( the payment was due XX/XX/XXXX ). He said I will need to follow up with my insurance provider to see why they cancelled my policy. This is not my responsibility. Per the attached letter, it was due to non-payment. Chase is responsible for paying the premium out of my escrow. They dropped the ball, and now I am left without insurance. 

I also tried to reach out to Chase via social media and aside from a generic we understand your concern message in return, they have stopped responding. 

Note : I got married after I purchased my home. My name on my Chase account is XXXX XXXX, my maiden name ( I dont use Chase Bank for any other purpose than to pay my mortgage so I havent gone to the trouble of changing it on my account ) and my name on my insurance policy is under my married name, XXXX XXXX. Please also see the attached marriage certificate for verification.
Product: Payday loan, title loan, or personal loan

These accounts with ALLY FINANCIAL with account numbers XXXX and XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : JPMCB # XXXX Account name : XXXXXXXX XXXX # XXXX ( collection Agency ) I looked at my XXXX credit report on XX/XX/year> 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 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 1681s-2 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. 

I am writing to formally request the removal of XXXX inaccurate accounts from my credit report, which have been detrimental to my financial standing. After conducting a thorough review, I believe these accounts may be the result of identity theft. I have attached a signed affidavit from the IRS confirming that my identity has been stolen.
Product: Debt collection

XX/XX/2019 I received a phone call at my work phone from XXXX at RMS ( XXXX ) XXXX-XXXX. 
I asked him to send a document to my home address being I never received anything from them USPA mail. He told me he can call my work phone anytime he wants to and it is legal to do so. I asked him him to NOT call the work number again.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2020 {$20.00} and {$19.00} was taken out and it was told to me it was cancelled. Nothing else was going to be taken out of my account by Lexington Law Representative. Then I check my account and {$19.00} and {$89.00} was taken out of my account without my authorization. These people are constant harrassing my husband and when the account was told to me it was cancelled. But this happens I called to Lexington Law asking for a manager and instead of getting me a manager they give to client services and I had on hold constantly for over 1 hour not stating how they are going to resolve my issue.