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

I am seeking assistance in my challenge of CARECREDT/SYNCHRONY BANK 's invalid an unauthorized charges for claimed services rendered by XXXX XXXX. When I was first billed by CARECREDIT for such an egregious amount, I complained to the XXXX office ( XXXX  ) directly because they had not performed the work that they had charged me for. In addition, I had not consented to all of the services that they had charged on the CARECREDIT card. The initial reason for my visit to XXXX was not even reflected on the credit application for Care Credit. When I pointed that out to the office, they explained that they were putting down some services and only needed my signature simply to see how much credit I could obtain from Care Credit ; basically, the specifically treatment sought was not important at that time. Once they got me approved for a certain amount, it seems like the goal was to create/come up with as many services as possible in order charge the maximum amount on the card. When I see the doctor 's office was not interested or trying to resolve the initial problem that I went to the office for, I had to actually go to another XXXX office to resolve my problems. When I told them I had decided to see other XXXX XXXX XXXX XXXX 's office insisted that since I had lots of unused money on the card maybe some of it ( to be precise {$390.00} ) could be used as prepaid for my daughter 's XXXX services. However, I learned from my wife she had initially paid {$630.00} out of pocket for prepaid services which had not been completed since my daughter went away to college ; then I cancelled the {$390.00} payment. It seems like XXXX XXXX office found all kinds of creative means of charging the maximum amount on the card. I then decided to file a complaint with CareCredit/Synchrony Bank. At first, the company tried to assert that I had lost my card and was trying to replace it. However, I drafted a full complaint and set forth the deceptive practices of the XXXX office. I explained how they were deceptive in how they coerce me into getting the Carecredit card, although I told them that I had XXXX insurance. In addition I also explained how they charged me for services that I had not requested and they had not rendered. I did not ask for or need any XXXX because I had problems in the past with XXXX  making my XXXX XXXX. But, XXXX XXXX proceeded to order these XXXX  which of course I never requested. She said they were already approved on the Care Credit card that 's why she ordered them ( with a grin on her face ) even if I do n't want them they will still get their money. After all of these interactions with XXXX XXXX and the lack of response and inaction from Carecredit/Synchrony Bank, I have realized that Carecredit/Synchrony Bank is working in collusion with the doctor 's office to fraudulently obtain authorization from patients to get a Carecredit card and charge as much money as possible. They both win at the expense of the patients.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX  XXXX XXXX, TX XXXX I am formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards in order to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 Inquiries XXXX XXXX NA XX/XX/2021 Experian .It looks like somebody made an inquiry on my credit file that I don't know about. This shouldn't be possible unless I approved it ahead of time, which I didn't. I need this inquiry to be removed from my credit file or I need documentation that you had a permissible purpose for doing this. 
Regards, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX.XXXX/2017 ; XXXX.XXXX.2017. 

Actions : Repeatedly tried to obtain my online credit report from XXXX to correct inaccurate information obtained within my credit file without success. 

I was denied credit for an auto loan which initially sparked my inquiry. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up to complaint #  XXXX . You have stated that the you have " verified '' the bankruptcy. Please provide the following information  : 1.  The name of the person you spoke to  at the county  clerk.    2.  The date you spoke to this person.   3. Provide a copy of the motion provided to the court to reveal my social security number concerning the bankruptcy.    4.  If you are using  XXXX   XXXX , I have a suppression filed with them.  <P/> If you can not verify with undeniable proof, you must delete this from my bankruptcy.  <P/> Violation of the FCRA and FDCPA in this complaint will result in my filing a lawsuit against your company.
Product: Credit reporting

I am filling this complaint because Transunion has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank has an inquiry on my credit report. I never applied for credit with this company or have ever done any kind of business or requested any kind of information with them. I have never heard of them before. They do not have any authorization to pull my credit report.
Product: Student loan

Mohela is using the dates of the signature blocks ( section 4 employer certification ) This is the date the employer signed the forms to be submitted to Mohela, above this section it is clearly checked that I am still employed on both forms from each employer. 

This is a mistake on Mohela 's side and they insist that I am no longer employed as of XX/XX/2022 and XX/XX/2022 Please see attached documents and the dates showing for signature signing not employment ending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX.I made a monthly payment of {$450.00} towards my auto loan via-Chase MobileApp. I received then received a notification from my XXXX XXXX credit reporting account that a payment was 30 days passed due. after further investigation I was able to determine that theres a continued glitch and error on my app that will no longer allow me to make Chase Auto payments via-MobileApp ( see snapshots attached ). I contacted Chase and after multiple attempts they concluded that they are unable to fix the problem with my MobileApp.and that I needed to make all future payments via-phone call on their automated Chase Auto over a phone using my checking account information. I highlighted to customer service ( XXXX ) that my payment never went through due to system error with the Chase MobileApp and I shouldnt have been penalized for the late payment due to Chases technical issues. After multiple attempts to remove the 30 day late mark on my credit over the passed 2 months I have reached exhaustion and have had no resolution to fix my credit. 

I have had the auto loan since XXXX of XXXXand I had never been late on a payment until the faltered Chase MobileApp never processed my payment and severely damaged my credit ( see snapshot of payment history attached ). Im asking for a one-time good will gesture to remove the late payment reporting due to Chases faulty MobileApp. This negative item is preventing me from receiving an extremely important loan for my business. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} Opened XX/XX/2018 -XXXX {$2900.00} XX/XX/2018 -XXXX  ( Any and all XXXX Accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my unemployment file so they have been giving me XXXX XXXX  meanwhile they sort everything out. I find it extremely unfair that XXXX would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX  and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
Product: Credit reporting or other personal consumer reports

Please understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as Equifax and XXXX and XXXX conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed 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 According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. Equifax, XXXX and XXXX and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies. 

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision.

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and Equifax and XXXX and XXXX fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising. 

Therefore, I demand that Equifax, XXXX and XXXX and any financial institution involved cease the reporting of my information immediately.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is XX/XX/XXXX an on XXXX it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account NumberXXXX
Product: Credit reporting or other personal consumer reports

An inquiry showed up on my Transunion credit report from XXXX on XX/XX/2024.
Product: Credit card or prepaid card

Hello, This is a complaint to the response from the company ( Macy 's credit card ) to my initial complaint XXXX. 

I am extremely disappointed with the response from the company. They have abdicated all responsibility to resolve the matter and are not even looking at the information their own systems & processes provided to me as their customer. 

Their own website, to this day shows the returns to have happened. I attached a screenshot of this to my complaint, which they seem to ignore and cite their internal systems, which supposedly show a balance. I don't see this on their website and never have. 

Next, they acknowledge that the first agent who was supposed to file a dispute did not do so and my account continued to rack up fines because of this error on the agent 's part. Again, no responsibility taken by Macy 's as far as adjusting the balance & removing fines from my account as a result of their employee 's inaction. Instead, they say he/she will be reprimanded ... which does nothing for my account 's issue. They acknowledge that the second time I called, that agent opened a dispute. But, because the first agent did not take action, the second agent was too late in opening a dispute because the return in question was more than 6 months prior. So, they just decided to close the dispute of their own accord and again, continue to charge fines and not take any action to resolve the core issue here. 

Lastly, they ask for a return receipt. Once I validated that their own website shows the return, I discarded the receipt. I would ask that they review their OWN website and if they want additional proof, then security camera footage of me returning the items. It is not my responsibility to find flaws in their systems & processes ... it's their responsibility to not be fraudulent with their customers. 

Lastly, they claim to have sent paper statements showing the balance. I will attest that I had NOT received any paper statements that showed a balance until the XXXX timing when I first called their agent. I do acknowledge that I moved residences, so it could be an issue with USPS during my address change. However, I took action the first time I became aware of the issue and called the first agent, who did nothing. I want Macy 's to take responsibility for this error and right this wrong. I don't want to pay for goods that I do not have - that makes no sense to me. Take responsibility for your own litany of errors ( not transacting the return in some system that you care about, ignoring the website communication to your customer showing the return, the first agent not taking action per customer request, the dispute by the second agent being closed without research because it took too long to be initiated because of the first agent 's error ) ... my goodness. 

P.S. Sorry for the delay in response. I am an XXXX XXXX in XXXX county and you can imagine the state of affairs given the Covid surge. This fraudulent attempt by Macy 's is one additional thing I don't need to be spending time & mental energy on at this time. So I apologize it's taken me this long to respond. 

Thanks.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from XXXX. I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with XXXX, Transunion and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX  via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX, Transunion or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider XXXX without any validation or verification that the bankruptcy information is accurate or up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint and I have written the letters, not someone else or some other organization. I have been sure to keep GREAT records and a paper trail to use in court, according to the FCRA, to collect damages for violations in the event this account is not deleted and removed from my credit report and credit file. 

I have asked XXXX and Equifax for more information on an account they refuse to do a reasonable investigation on. I believe they are using e-Oscar or some automated process that spits out generic information hoping most consumers take their word instead of them doing an actual investigation and presenting evidence and facts. They are violating my consumer rights, state laws, and federal laws such as 15 USC 1681, or the Fair Credit Reporting Act ( FCRA ). I have asked for a method of verification letter to see who could possible verify this account and I have gotten nothing in MONTHS. The most recent letter has also gone unresponsive and well over 30 days. This account needs to be deleted and removed from my credit file and credit report immediately! 

XXXX has responded with a deletion of this account after doing a reasonable investigation. I have also included their deletion letter in this complaint. As I stated in the beginning of the letter, I have kept a great paper trail while disputing this account with them.
Product: Debt collection

GOLD KEY CREDIT INCACCOUNT NUMBER : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXPHONE : ( XXXX ) XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

My father is deceased and I have called multiple times to cancel the credit card. The estate department does not answer the phone or return messages or e-mails.
Product: Debt collection

XXXX XXXX, a health club in XXXX New Jersey went out of business during the pandemic. They closed the gym for a period of time so I canceled my membership. And stopped the reoccurring payment on my credit card. 
XXXX XXXX, another fitness club moved into their space once XXXX XXXXXXXX was shut down. 
XXXX XXXX  now claims that I owe them for membership dues of {$140.00} I have no business or contracts with XXXX XXXX. Im not going to nor have I gone to a gym because of the coronavirus event. My credit card was reoccurring payment was canceled when XXXX XXXX  went out of business. XXXX XXXX  continues to try to collect this debt which I do not owe to them.