23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a used car business. I have merchant account with JP Morgan chase for my business. The bank kept holding the money starting from XX/XX/XXXX stating they are doing risk analysis for the account due to some transactions. After 10 days I received an email that the account will be closed and the funds will be on hold for 6 month without stating any reasons for closing the account. Many attempts from my side had been made to understand the reasons of closing or holding the money and i offered to support all documents needed which can proves that all transactions which are on hold are legal but unfortunately there was no cooperation from bank side stating that nothing i can do and i have to wait for 6 month to get my funds. The total amount which is on hold is almost {$27000.00}. This amount already hurts my business and causes alot of damages. We discovered later that the bank refunded big amount of the money to the customers who got the cars from us and when we call the bank and the representative keep lying and say no the bank still holding the money. This week on XX/XX/XXXX i received an email stating that the among on hold is only {$2900.00} which mean that there is almost {$24000.00} is lost or refunded to the customers without my authorization and when i call the bank representative again, they kept saying the whole amount still on hold however, some of the customers that i could reach that made purchase on these days confirmed that the money has been refunded to them and they were surprised why! I escalated the issue to the banks executive office but it has been almost two weeks and i am not getting any response back.
Product: Credit reporting or other personal consumer reports

Dispute Department : EXPERIAN LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Additionally, I would like to point out that XXXX has correctly deleted the XXXX XXXX XXXX  XXXX account from my credit report following my request for verification and removal of unverified information. This further underscores your ongoing and negligent failure to remove the same account from my file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681s-2 ( b ), credit reporting agencies and data furnishers are required to correct or delete inaccurate or unverifiable information, as XXXX has done. I expect you to take the necessary corrective actions immediately to avoid further legal action.
Product: Credit reporting

There are some inquires on my report that do not belong to me. I have fully viewed my report and there are XXXX total inquires that I did not authorized. There are listed below and also attached with the exact dates. 

1. XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

synchrony bank issued a pep boys account # ( XXXX ) AND XXXX, XXXX, AND XXXX ACCOUNT # XXXX, THESE 3 ACCOUNT HAVE THE SAME ACCOUNT NUMBER, PEP BOYS HAS A SINGLE ACCOUNT AS STATED ABOVE OPENED over a year ago, i never used the account. 
in XX/XX/2019 this year they closed my account due to non activity. they never sent a letter or message that unless i use the card they would close it. this i have never experienced with any creditor. i need my account reopened because i now need to purchase at pep boys 4 tires. the closure of this account has caused my credit score to drop 40 points causing damage to my credit file, they have done deceptive business practices by making me use the card and getting into debt, when im not needing to use the credit card. 

if they wouldve sent me a warning letter to close the account for none activity, i wouldve used it to avoid a closure of the account
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   is trying to collect on a debt for a MasterCard account via Orchard Bank. I do not recall ever having a  MasterCard  and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX  bearing my original signature.  XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XXXX  and  XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened is against  Federal  Regulations.
Product: Debt collection

Company has called me after Ive asked them to stop & even sites that it was illegal per CFPB policy. I have received 11 calls from MCM since Tuesday, multiple calls are made everyday. MCM has been contacting me using the same method for months
Product: Mortgage

My mortgage was reassessed and my payment changed by {$40.00}. I sent the payment and like normal and the mortgage payment was considered late by the mortgage company and marked on my credit as a late/missed payment. I immediately sent the corrected amount and never missed a payment. Now my credit is being negatively affected over {$40.00} and I am unable to apply for another mortgage because of this.
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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX, XXXX, TRANSUNION
Product: Student loan

I have a loan with XXXX and I believe the Consumer Financial Protection Bureau needs to also look at Nelnet. I have XXXX and my loan was discharged under XXXX Guidelines also known as XXXX. I had spent many years trying to get the loans discharged with Nelnet. Nelnet could never seem to find the paperwork that I submitted to have the loans discharged. I repeatedly called, faxed, and mailed information to Nelnet. My loans were wrote off and charged back because of my income. I will continue to fight on these loans and have come to accept the fact that Nelnet is a big company and they will probably get there way. A letter wrote by XXXX XXXX of Nelnet to the Attorney General of XXXX on XX/XX/XXXX stated that Nelnet had told me that the calls I made on on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that they did not have an Ombudsman. That part was true than XXXX XXXX Of Nelnet continued to say in her letter to the Attorney General and to me that Nelnet recommended me to contact the Ombudsman group with the Department of Education that was a lie. " Half a Truth is often a great Lie '', XXXX XXXX. How many of these half truths does Nelnet tell the people it services. I asked for transcripts shortly after each of these calls I had made and I have received nothing. I do n't really care what Nelnet does to me and my credit rating. I want people to know that Nelnet is being deceptive at great lengths. How can Nelnet Have a good code of conduct if they are lying about the little issues. " Nelnet 's Code of Conduct applies to and serves as the guide for all of our associates as we strive to do business with the highest degree of honesty and integrity. ", this is off of Nelnets Code of Conduct website. XXXX XXXX CEO. They are just as bad as XXXX is.
Product: Debt collection

I entered a consumer credit transaction with capital one. I use my credit card pursuant to 15 usc 1602 ( l ) and granted them the right to extend my credit to me. In addition capital one started to send me deceptive forms pursuant to 15 usc 1692j with a statement posting a positive balance and doing unfair practices collecting on an alleged debt that has a finance charge pursuant to 15 usc 1605 which is the some of all charges including interest rates. I sent out a cease and desist letter to capitol one and they keep sending me statements via the capital one app
Product: Credit card or prepaid card

Back in XXXX of 2019 Sychrony bank lowered my Credit limit for no reason. I had a {$4500.00} limit and they decreased it to {$1300.00} which was {$10.00} above my balance. I contacted Sychrony bank and they sent me a letter that stated My revolving balances where to high. ( These balances have only decreased from the time I got the limit increase ) My real estate balances are to high ( I just purchased my home and this is the reason I got this card ) I spoke with Sychrony on a few occasions where no one was able to tell me anything but read my letter and we will review and call you back. I never received a call back so I decided to file a XXXX XXXX XXXX complaint. With this complaint I asked for my credit limit to be put back to what it was. They wouldnt respond to the XXXX  complaint and said they mailed me the response for my privacy. The letter I received was only the same letter I received from them when they lowered my limit. This action by them dropped my credit score by near 40 points. Today I receive a letter notifying me they have closed out my account. The letter states the same reasons as before and yet my credit cards have been doing nothing but decreasing in balance as well as my home loan. I have not missed a single payment on any card I have in many years including Sychrony bank card. So I called to find out what the deal was. I spoke to a account manager by  the name XXXX and she had no info at all. First she tried to tell me this is a new thing they are doing where they inspect your credit report Quarterly and my score must have dropped. The only reason my score has dropped is because what they did to me in the first place dropping my limit to 99 % utilization. So now they have negatively effected my credit yet again by closing a account that I have never missed a payment or even been late on. I feel this has been done maliciously because I filed a XXXX  complaint against this company.
Product: Credit card

Care credit credit card ( Synchrony Financial ) did not refund the charges made by dentist XXXX from XXXX located at XXXX, CA XXXX for {$2500.00} now they are charging me with {$5200.00}. On XXXX XXXX i went to see dentist XXXX for a replacement of a XXXX. XXXX broke my XXXX, which was not included in the treatment while he was removing the old XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} in CareCredit charges. I did not go through the treatment since XXXX broke the XXXX that was not part of the treatment. I cancelled the entire treatment but XXXX refused to accept it. I went personally to show him the XXXX he broke with his dental tool while he removed the XXXX, but instead of accepting it, XXXX started speaking to me in a violent manner. XXXX made me laid in his dental chair, and approached his face really close to mine and started screaming at me. Forced a XXXX. It only made it worse. Now is XXXX while i eat. The XXXX and needed to be replaced. That XXXX was placed a year earlier by XXXX XXXX, and did not need it to be replaced. I complaint with CareCredit credit card for the charges, to remove the charges. CareCredit did not removed the charges. I complaint several times to them, but nothing has been done since the incident with dentist XXXX from XXXX since XXXX XXXX, So, today XXXX XXXX, XXXX, CareCredit called me from CareCredit Collection to notify that i own {$5200.00} because of interest charges and financial expiration charges. And sent a statement of the {$5200.00} that I need to pay. Last time i made a payment was onXX/XX/XXXX for a {$240.00}, and it was when I owned only {$2000.00}. Now according to the statement I have to pay {$5200.00}. The remaining balance was due to dentist XXXX charges without providing dental services and without refunding the charges XXXX knew i was not agree on. Care Credit failed to correct, even when I filled several complaints through them and now they XXXX the amount charged by dentist XXXX. After calling many times, they only care of how much more care credit are over changing my care credit credit card. Now collection from CareCredit want me to start paying minimum balance of {$470.00} to pay the overcharge balance of {$5200.00}. Neither Dentist XXXX from XXXX not CareCredit are willing to refund the amount or correct the amount. Now Care credit collection are calling me to pay a service that I have never agree to and never received the product in this case the crowns or service. I did not went through any implant procedure with XXXX, due to XXXX abusive and aggressive behavior, XXXX placed XXXX of the XXXX ( XXXX ), but it was paid by my XXXX XXXX XXXX, it was about {$1500.00} that XXXX charged my dental insurance only for XXXX XXXX. XXXX address XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information. 

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.
Product: Credit card or prepaid card

I opened an account in XX/XX/XXXX with Capital one to rebuild my credit. I made more than the minimum. Monthly payment of XXXX to pay off the balance via my checking account on XX/XX/XXXX. This payment was held and claimed for fraud verification. When speaking with a representative on XX/XX/XXXX she implied that payment was returned which is was not. I made multiple payments after but had another issues in XX/XX/XXXX where only one XXXX money order was applied to my account and I was informed via phone call when speaking with a representative my additional XXXX money order was shredded and would not be applied. I escalarws issues and submitted confirmation of the payment via secure document upload then additional money order wash cashed by capital one and both were mailed in the same envelope but one was applied days later. I have since mailed XXXX on XX/XX/XXXX and capital one has failed to apply this payment I have since given confirmation of my payment via secure document upload. They have then on XX/XX/XXXX applied XXXX worth of charges to my card for my XXXX dispute for a payment they cashed making me over the limit while declining further transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX  on multiple occasions but they were never able to fix the issue. 

In XX/XX/XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from 660  to the 750 range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!
Product: Credit reporting or other personal consumer reports

It appears that XXXX XXXX has not only harmed my credit score but also initiated unauthorized payments, resulting in double charges for XXXX. They ceased reporting to Equifax between XX/XX/2023, and XX/XX/2023, while receiving two payments in XXXX, one of which was unauthorized despite them already receiving a payment. They received a payment on XX/XX/2023 for {$8.00}, then attempted to charge my card again on XX/XX/2023 without my consent, which raises concerns about their billing practices. 

This information surfaced after observing a negative impact on my credit score with Equifax, prompting me to investigate further. Despite my consistent payments, XXXX XXXX, a company purportedly assisting in credit building, appears to be engaging in fraudulent behavior, breaching consumer rights, double-charging, and causing a significant credit score drop of XXXX points. I intend to pursue arbitration, possessing evidence of all payments made, and will seek legal recourse. 

Moreover, I paid for an upgrade, which XXXX XXXX failed to apply to my account. This discrepancy in services rendered became evident when my credit score experienced a drastic decline. I paid for the upgrade on XX/XX/2023, while they ceased reporting to Equifax between XX/XX/XXXX and XX/XX/2023, despite receiving a payment on XX/XX/2023. 

Additionally, there was no communication, as legally required, from either Equifax or XXXX XXXX informing me of their cessation of reporting or refusal to accept payments. Considering the two payments made in XXXX, they should have been allocated to XXXX. I will hold this company accountable, seeking restitution for their unauthorized charges, failure to provide services paid for, and their detrimental impact on my credit score, as mandated by consumer protection laws. 


Below Ive attached all documented proof of all charges and I will push charges to the extent.
Product: Credit reporting or other personal consumer reports

HI, ive been noticed from my bank and credit experian that some loans was made in my name i don't have any iedas about these loan from the company ( AFFIRM INC ) below ; XXXX- Loan of ( XXXX $ ) on XX/XX/year> XXXX Loan of ( XXXX $ ) on XX/XX/year> XXXX Loan of ( XXXX $ ) on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with chase and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison
Product: Credit reporting or other personal consumer reports

" noticed several unauthorized inquiries on credit report that I would like removed Infor them that according to the FCRA these unverifie and unauthorized items must be removed. XXXX XXXX XXXX XXXX XXXXXXXX hard inquiry on my dated XX/XX/year>XXXX XXXX