23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems did not adequately resolve my last complaint. The XXXX XXXX XXXXXXXX XXXX refused to accept a subletter that I had found that met all requirements to " mitigate damages '' to a lease I was claimed to owe money towards, as in, I had found an individual that was willing and prepared to accept all debts claimed by The XXXX XXXX  XXXX XXXX. This was following their own mitigation of damages, in which they found an individual to move into the unit I was claimed to have been assigned. Because they mitigated damages to the unit I was claimed to have been assigned to, and because they refused to allow me to mitigate damages on a supposed alternative unit, I have no obligations of payment and the debt is invalid. 

To substantiate these claims, please refer to original communications attached. 

One series of communications was with an individual named XXXX XXXX, who would have been my roommate in the unit I was claimed to have a lease for. It was only through this individual did I discover that The XXXX at XXXX XXXX had themselves mitigated damages. The XXXX did not communicate this to me at any point beforehand. This affirms that they themselves successfully mitigated damages. 

The other series of communications was with an individual named XXXX XXXX. These affirm that I successfully found a subletter to mitigate any damages I would owe towards the supposed alternative unit, that The XXXX at XXXX XXXX refused to share the unit number, and therefore refused to allow me to mitigate damages. 

The information I've provided here, including direct evidence that I've worked in good faith with The XXXX at XXXX XXXX to mitigate damages but they refused it, demonstrates that they've acted inappropriately and coercively. It is especially shameful, given I was a poor college student, working 2-3 jobs and donating XXXX XXXX weekly just to make ends meet. 

A speedy resolution with the complete removal and total expungement from my credit reports of any collections and derogatory marks stemming from claims made by the XXXX at XXXX XXXX XXXX or National Credit Systems .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Ive notice a hard inquiry on my credit report that is dated XXXX XXXX. Its listed as SYNCB / national credit cards/ airlines Ive tried calling XXXX and other credit companies and havent gotten a response. Ive never opened that account nor have i done anything to get that account to appear on my credit. I used XXXX XXXX  to check my scores.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Capital One stating that my credit limit changed. Without any prior warning, Capital One reduced the credit limit on my credit card by 67 % ( from {$15000.00} to {$5000.00} ). The reason? Because I've " only been using a portion of my credit limit ''. I have been essentially punished for being a responsible spender of my money, and for paying off my balances every month, on time, in full. In addition, not only did they not give me any warning or grace period before this reduction, they are reducing my credit 10 day before I close on a house! The mortgage lenders will be running a final credit check before closing and even though I have done nothing but be careful and responsible this entire period prior to closing, Capital One will negatively impact my credit score and credit utilization percentage because they felt I wasn't carrying a high enough balance on my credit card and spending heavily during a national pandemic. When I called their customer service line, I was told there is nothing they can do to move the credit limit back up, nor can I submit the request for 6 months. They also indicated to me that my average monthly spending has gone down this year compared to last year, in which I had to remind them, due to the pandemic, I am no longer spending $ XXXX dollars commuting to work among others expenses I need to cut back on during this time. I received zero empathy, understanding, or help from their company. I have had credit cards since XXXX at various issuing banks and I have NEVER in my life encountered this. I always pay my bills on time, in full, and as a result am punished rather than rewarded for my efforts. Without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up response after reviewing Equifax 's generic response about XXXX XXXX account number XXXX. I disagree with Equifax. Who did they speak with and what was the contact number? Both XXXX and XXXX did their research and fixed the issue. Why is Equifax the only one that is not truly investigating? I want this information because I believe they are only sending a generic response changing names of companies etc. I want their contact the contact person from the creditor. I am aware of what the statue of limitations is that was never my issue.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX  should not be reported to my credit report. I have an agreed to pay them. They have received the money but they did not update this credit account the account number is XXXX I have been reported late for XXXX months this far and this should be removed off my credit reports. This is incorrect reporting and it's violating my consumer rights.
Product: Credit card

This complaint is regarding my XXXX Credit card with Synchrony Bank XXXX XXXX for the same project : {$10000.00} {$7400.00} At the time of purchase XXXX was running a 0 % promotion for 36 months if ordered by XX/XX/year>. I signed my contract and provided my payment details to my sales rep on XX/XX/year>. The store did not actually run my credit card till XX/XX/year> and processed my order as 24 months 0 %. 

I set everything up on auto-pay and never look at my statements. It wasn't until XXXX when I purchased a new refrigerator from XXXX did I notice that my promotional end date did not line up with what I setup for auto-pay. When I called Synchrony to get it fixed, they said that I needed to go to the store and speak with a XXXX to get it fixed. I did that the very next day and I've been getting the runaround ever since and now they are stating that Synchrony is " unable '' to honor my promotional offer of 36 months at 0 %. The money that it would take for me to pay this purchase off by XXXX of this year, I simply do not have, nor can I afford. I need them to honor the promotion that I signed up for and that was advertised in order to prevent me from going into default or having to pay all of the interest from day XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I advised Experian debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent XXXX XXXX XXXX a debt validation letter over XXXX days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with Experian after not receive debt validation request and was advised information was accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing this account to the bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a validation letter to the third party collector on XX/XX/XXXX and they are sending me the same letter with a bill with my name on it ( not a signed bill ) at least on 3 different occasions and still not verifying the actual signed contract. I was also a victim of identity theft in XXXX, which i have sent both parties my affidavit. This false accusation that i owe this company is holding me back from my business endeavors and while this pandemic is still climbing I would like this error to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit file. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit card or prepaid card

I got a new US Bank small business credit card on or around XX/XX/2023. I used it normally for a couple of months, and then US Bank decided to close the account right after I had met required spend to earn the sign-up bonus, depriving me of all my rewards I was due. I have tried to contact them to have my account reopened multiple times, and I have been promised callbacks from managers multiple times, but no one ever calls me back, and my account remains closed.
Product: Credit card

My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S
Product: Credit reporting or other personal consumer reports

I am filing to formally notify you of my intent to pursue legal action against you. 

I have provided comprehensive documentation demonstrating that the data furnishers do not possess accurate records. Additionally, they have failed to respond to my requests for information, which is a legal obligation. Despite this, I continue to receive generic responses from you, asserting the verification of the listed accounts. Where is the evidence of this verification? I have yet to receive any documentation confirming my legitimacy as the author or responsible party for these accounts. Without verification or evidence, how can you assert compliance with FCRA law? I am providing you with one final opportunity to rectify this situation. 

The following accounts are reporting inaccurate information and I insist on their immediate removal from my file. 

XXXX XXXX and XXXX XXXX. 

Please be advised that, in accordance with the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to conduct this investigation. I am meticulously documenting your actions, including your method of verification. I explicitly do not consent to E-OSCAR or any form of automated verification.

Furthermore, the presence of these inaccurately reported accounts is causing significant emotional and financial distress, adversely affecting my sleep, work performance, and personal life. I demand their prompt removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

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

Edfinancial services is reporting XXXX loans on my credit report as open, with balances and as current when those loans have been transferred to the company XXXX a long time ago. This is negatively impacting my credit score immensely. When I did an online chat with XXXX at Edfinancial services she told me that they report it as a XXXX balance which is not accurate. As I questioned why this is showing as open with a balance and why they have not reported it as a closed account she told me I would need to just file a dispute with the credit bureaus and would not answer my question or offer any assistance.
Product: Debt collection

Original SBA Loan amount {$730000.00}, Wells Fargo was the lender. XX/XX/XXXX. I went out of business in XXXX and had a buyer for the XXXX XXXX XXXX but Wells Fargo would not let us proceed with the sale. XXXX XXXX, the vice president who was supposedly helping me went so far as to say any monies the buyers would pay had to come out of a Wells Fargo account. And when she almost agreed to the contract she backed out, saying she wasn't sure the new owners would be successful. But they were not asking to borrow money from Wells Fargo so it was just not related. 
They moved to foreclose on the property. 
I asked the SBA if they could tell me how I owed. They told me my lawyer would have to get that information from Wells Fargo. Wells Fargo would not give us information about how much we owed or the fees they were charging. The SBA does not offer assistance to lenders, just the banks. 
We offered Wells Fargo {$850000.00}. They did not accept the offer. 
Wells Fargo would not tell us how much we still owed on the XXXX XXXX XXXX and Wells Fargo foreclosed on XX/XX/XXXX. They told my lawyer they would not foreclose on my husband 's ranch until after the XXXX XXXX XXXX sold. 
Wells Fargo reported to my lawyer XXXX XXXX that they sold the XXXX XXXX   for {$590000.00}, leaving a deficiency of {$210000.00}. This was given to my lawyer verbally with no details or proof or paper work. I find this astonishing that they refused {$850000.00} and now are allowed to foreclose on my husband 's ranch. 
Now we find out they have a contract to sell the XXXX XXXX XXXX  for " about 800,000 '' according to the buyer. So they will get my husband 's ranch for free, with 65 acres in the Texas XXXX XXXX with a spring fed creek, fenced and cared for by XXXX 's family for over a hundred years. We thought it was safe because we knew the child care was worth more than we borrowed. XXXX XXXX agreed. 
I didn't apply for this loan but I did everything XXXX XXXX, award winning closer, told me to. I told her I had XXXX XXXX, XXXX. She was so sweet on the phone and told me she would help me every step of the way, that I would be a big success. Then when I called her after the closing she told me not to call her again. Her letters and emails were very rigid and business stuff, but her calls were very sweet until I closed and signed everything over.
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

XXXX from XXXX XXXX to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against XXXX XXXX for filing a fraudulent complaint. 

They are lying through their teeth.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no sub category for this issue. My complaint is against Equifax. I have been battling for months to get a fraudulent debt removed from my credit report. Equifax knew this debt was fraudulent but refused to remove the companies, XXXX XXXX XXXX, trade line from my credit report. Equifax finally removed XXXX XXXX trade line from my credit report yesterday. Before Equifax removed this fraudulent debt from my credit report my credit score with Equifax was XXXX. Now its XXXX. I had a collections account in the amount of {$800.00} removed from my credit report and my credit score only increases by 4 points. Equifax is deliberately keeping my credit score low to retaliate against me for filing the complaints against them that I filed. Equifax is mad at me because I exposed their lies and shined the spot light on their illegal activities. Equifax lied and said they had received additional information from the original creditor of the fake debt XXXX XXXX made up and submitted to them to scam me out of {$800.00}. They claim this information validated this fake debt. I submitted a letter to Equifax from the original creditor that said I was not responsible for this debt. There is no way Equifax received this additional information they lied about receiving. After I exposed this lie and they were forced to remove XXXX XXXX XXXX trade line from my credit report they got mad. I also filed a compliant with the GA Attorney Generals office letting them know Equifax is aiding and abetting in a crime. Now Equifax is retaliating against me by keeping my credit score low. There is no way my credit score only increased by 4 points when I not only had a collections removed but my debt decreased by {$800.00}. I am sending copies of these complaints to my lawyer who is in process of filing a civil suit against Equifax and the CFPB.
Product: Credit card

On XX/XX/2023, Bank of America charged off a CREDIT I had on a long held XXXX account. The CREDIT balance of {$26000.00} was a result of a duplicate payment. Instead of refunding me, Bank of America closed my account and is now reporting this to the credit agencies as charged off debt. Furthermore, Bank of America either owns or sold this alleged debt to a third party debt collector in violation of the Fair Debt Collections Practices that 1. Violated my privacy, 2. Was not a debt to be sold, 3. Owns third party debt collector and has contacted me pretending to be this third party debt collector as I received correspondence from BofA after I responded to third party debit collector who otherwise would have no idea regarding 3rd party attempting to collect a non-debt. This account had previously been REMOVED from my credit reports, and Bank of America is now threatening to put this CREDIT BOFA OWES ME on my credit report. I require Bank of America to pay me the {$26000.00} that they owe me immediately.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX  Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX , TX XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity Theft