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

On XX/XX/2023 I unexpectedly received notice from my banking institution, JP Morgan Chase, that a sudden decision had been made to close all my concurrent credit cards and my personal checking account, without any specific reason. All my credit cards were in good standing. 
I contacted them a few days later via a phone call and they refused to conduct a secondary review of the account closures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, Account # xxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I was sent an email offering XXXX at a low cost. I checked the internet to inquire about negative information on the business and found nothing. It was XX/XX/XXXX and I asked my husband would he make me a XXXX gift of the XXXX. He said if I could pay the bill in XXXX months I could do it. I visited the clinic to get my questions answered. After being told the XXXX would cost $XXXX, the intake person encouraged me to get it financed through Care Credit (a subsidiary company of Synchrony Bank). I was given the brochure and was told to ask them about XXXX-month financing. I was unsure about opening another credit account because I have a number of credit cards already and did not want to wreck my credit score by adding another. But I had another Synchrony credit card (JC Penney) and they were a very reputable business, also I knew I could close the account after the card was paid off.   I called the number and after being transferred XXXX times, I was transferred to the person who authorized my XXXX to be financed over XXXX months.  When I asked for paperwork to verify, I was told that I should merely tell the doctor's office I was approved.  I never would have gotten the XXXX done on a 6-month interest free financing. After my XXXX, I began making payments in XX/XX/XXXX of large amounts, because I wanted a smaller, manageable amount to end my payments in XX/XX/XXXX. I never looked at my statements, I just checked my online account and continued to make payments.  In XX/XX/XXXX, looking at my online statement, an unreasonably large amount had been added to my payoff balance. I called and questioned Care Credit, and they said the doctor had denied me the XXXX-month interest free financing. I was appalled, I had never heard of a credit card company doing what the payee said and not the payor.  I had never been notified by the doctor's office or by email from Care Credit that I had been denied. I trusted that the right thing was being done. I never checked my online statements, I just continued to make payments. I transferred most of the balance to a more reliable credit card, but was still charged an unreasonable amount again on the unpaid amount. What kind of credit company charges $XXXX for XXXX months on XXXX and than another XXXX on an unpaid balance of XXXX? I felt completely cheated because they wrecked my credit, and I felt they stole my money.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to bring to your attention an issue regarding the accuracy of my credit report. Upon reviewing my credit report, I noticed that there are discrepancies related to the opening dates of certain accounts.

Specifically, the opening date of one of my accounts appears to be inaccurately recorded. This discrepancy is concerning as it may affect my creditworthiness and financial standing.

I kindly request that you investigate this matter and take the necessary steps to correct the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Status Company responded on XX/XX/2018 Response Type Closed with non-monetary relief Company 's Response XX/XX/18 Response : Upon receipt of this complaint, we thoroughly searched our database, but did not find any account under the name XXXX XXXX at an address in XXXX XXXX, SC. We did find an account under that name, at a different address in South Carolina with a similar balance, but since Ms. XXXX did not provide the last 4 digits of her Social Security number or her date of birth, we can not confirm that this is the account in question. However, the address she stated as being incorrect in the ID theft affidavit ( XXXX XXXX XXXX, XXXX XXXX ) matches the original address on this account, as provided by our client. We have been working as a third party, attempting to collect the debt on behalf of our client and were given permission to report the unpaid balance to the credit bureaus by our client. Credit Management did not steal or fraudulently use Ms. XXXX personal information. When we reported the unpaid amount to the credit bureaus, we did so under the name XXXX XXXX, at the address on XXXX XXXX. The credit bureaus associated the debt with the complainants credit report, using that address. Credit Management has never received Ms. XXXX XX/XX/XXXX dispute letter or any other request or response from her, prior to this complaint. However, inasmuch as Ms. XXXX has signed a notarized affidavit stating that the XXXX XXXX address is not an address associated with her and that someone has misused her personal information, we have requested that the trade line be removed from her credit report. Although we have electronically requested the removal, it may take a few days to be deleted off her credit report, depending upon each credit bureaus internal processes. While it may not always come across to the consumers with whom we interact, our company places a premium on compliance and professionalism. Accordingly, it is our sincere hope that our resolution of this matter meets with the Bureaus and Ms. XXXX approval. If for some reason it does not, please do not hesitate to contact me directly at ( XXXX ) XXXX ext. XXXX or XXXX.
Product: Credit card or prepaid card

In early XXXX i tried using my Way2Go card ( child support ) after not having previously used for a month and it was declined. Which led me to check my transaction history and balance. To my surprise there was a XXXX balance. Mind you, there was {$800.00} that i had expected to be on my account due to not havent had used this card for a month. I immediately called customer service and opened a fraud claim. They gave me a claim number and proceeded to send some paperwork in mail. I received the paperwork in about a week. I immediately filled it out with transactions that did not belong to me. Which were all overseas in the XXXX to a merchant named XXXX another called XXXX XXXX. I noted exact dates from when these companies received payments from my account. A total of {$800.00}. Customer rep told me they would credit my account after 10 days after they received paperwork. A month later i called them since no credit was made to my Account and they stated it was still under investigation. I waited 2 more weeks and called today and they said it was denied and claim was closed. I am begging for some help in reopening this claim. I have two small children and in a middle of a pandemic i do not have enough income coming in. {$800.00} that was taken from my account is crucial for my children right now.
Product: Credit reporting or other personal consumer reports

I have sent multiple documents to get this account resolved, but nothing seems to work. The debt collector has been reporting a different account balance every month for the past 4 months, which is impossible because this account is charged off and closed. And Equifax has allowed this to happen repeatedly. They are not following proper FCR laws, The account balance should not update or change. Additionally, the date the account was opened is incorrect. I kindly request that you delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts on my credit report that were compromised due to a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed.

Please block and delete the following accounts from my credit report : Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a fraudulent account reporting on my credit report and I've attempted to contact capital one several times with no solution letting them know that this isn't my account.
Product: Checking or savings account

I applied for a bank promotion. I have met all the qualifications as required. They are not paying the account bonus. I will attach records to prove it.
Product: Debt collection

They closed the account a year ago and open it to charge fees and close it so I can't use it, the creditor is synchrony bank and they approved me for a PayPal card with a XXXX dollar limit when I was late on a payment or something they dropped my credit limit to XXXX without telling me so I lost my credit score and lost my family 's transportation financing ability, then i was hospitalized with a XXXX XXXX XXXXXXXX my employment was terminated with no warning so I had no chance of my XXXX loan for equipment and debt payoff with property purchase with a usda XXXX XXXX XXXX so i am looking into legal options there as well and they did it again charged me a XXXX dollars and my score went from XXXX to XXXX i am exploring my options for legal options
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a dispute was filed on my behalf by XXXX XXXX for a BANKRUPTCY ACCOUNT ( XXXX ) EXPERIAN is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from EXPERIAN, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for EXPERIAN to delete this BANKRUPTCY ACCOUNT ( XXXX ) immediately. I intend on holding EXPERIAN liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off my collection account with XXXX XXXX XXXX XXXX. The agency has now changed its policies when it comes to accounts which are 2 years old. The agency will now delete the account from all 3 credit bureaus once the account is paid in full. See attached file. Equifax did initially remove the account, but has recently added it back to my credit report. It has already been removed from XXXX, and XXXX. I contacted XXXX XXXX XXXX Services, XXXX XXXX XXXX XXXX and they informed me that Equifax added this back without authorization from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank reported that my XXXX payment was never made and in fact showed 60 days late when the car was paid off by XXXX XXXX and I have supporting documents from XXXX XXXX to show the payoff. If XXXX XXXX failed to payoff the vehicle to US BANK that isn't my fault ; and I was told by US BANK in XXXX this would be handled. This now is still on my credit report and has now caused me to delay my home closing which I'm incredibly annoyed by. I would like this removed immediately.
Product: Student loan

I attended state school for 6 years part time. I owe about XXXX to Sallie Mae. My mother co-signed with me, and we got approved every semester regardless of the fact well never be able to pay that money back. Sallie Mae harassed us with emails, mail and phone calls to this day about taking out a new loan. I borrowed around XXXX for my first semester in 2014 - thats now up to about XXXX despite my paying interest every month while in school. Sallie Mae is even worse than the XXXX was - at least they were honest.
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and XXXX  who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing this email to bring to your attention an issue I have recently faced with my account. I was shocked to find out that my account has been permanently banned without any prior notice or explanation. This has caused me a great deal of inconvenience as I used this account for all my online transactions. 

Upon further investigation, I realized that there was a wrong disclosure made by someone else who used my account. This was a mistake on their part and I am not responsible for any wrong actions taken. However, I have been banned permanently without the chance to explain the situation and rectify the mistake. 

I have been a loyal customer of PayPal for many years and this sudden ban has caused me immense harm and frustration. I would like to request your help in lifting the permanent ban on my account and restoring my access to my account so that I can continue to use PayPal for my transactions. 

I hope you will consider my request and take necessary actions to resolve this issue. I would appreciate your prompt response. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

I had a XXXX XXXX account charge off in XX/XX/XXXX and I tried to settle it with them before it went to collections. XX/XX/XXXX I filed a report on CFPB only to learn that while I was trying to settle with XXXX XXXX they stated it was already with a collection agency, I never received notice and after speaking with XXXX XXXX they gave me the creditors information Firstsource Advantage and stated that Firstsource has sent me 2 letters, which I never received.Not to mention they have all my up to date mailing address and phone number because I have 2 other credit cards with XXXX XXXX.I recived all the information from XXXX XXXX ONLY because I filed a complaint through CFPB or i would of never know the account had been placed with a collection agency.
Product: Credit reporting or other personal consumer reports

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a I.C system account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.