23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

One linc sold my account to XXXX XXXX XXXX XXXX who in turn sold it to a master company called XXXX XXXX. I called both companies to try and settle this debt but they have no account under my name. I can not get in touch with them at all. I am only allowed to speak with an automated service. This account is hindering the purchase of my home and I have tried all avenues to settle this account but to no avail. I don't understand how companies can legally keep selling my personal information without my permission and letting me after it has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card

My account with Apple Card was closed unexpectedly on XX/XX/24. I contact Apple Card Support on several times that same day to inquire why my account was closed. No reason was ever given, to this day. I was told to refer back to my card user agreement, however no reason was ever given. 


Prior to my account being closed, I was disputing some charges with a merchant, XXXX. I made some transactions and the quality was subpar and they weren't willing to help, so I then reached out to Apple Card Support. They were helpful with getting the disputes filed. But when investigating the claim they were denying the claim for reasons outside of the scope of what I was alleging the issues were. Apple Card Support was always accommodating when I followed up and re-opened the dispute. I explained to them each time that I was disputing the charges because the merchant said that they would reimburse me for the purchase and never did. The quality of the items in which I purchased was subpar and not what we agreed upon. I relayed this info to Apple Card Support and sent them correspondence, pictures, screenshots, messages, and even repair quotes .... All this was done and when I submitted the dispute on XX/XX/XXXX, my account was closed shortly thereafter. I can only draw the conclusion that they did not want to protect me as the consumer in this transaction. Apple Card Support consumer protection is blatantly absent and they hide behind nice customer service while exposing consumers and then closing their accounts.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed on my credit account I have spent weeks months and letters to all three credit bureaus. I also had to pay for a lock on my Social Security number. My Social Security number has been ran a good 20 times for loans as well as credit cards. There is so many different credit cards on my account that I am not aware of. It has been a long road for me and this is holding me back from a lot in life and I can not get anywhere on fixing this. I filed for bankruptcy five years ago. Nothing should be on my credit. I moved back to the US and my credit is ran down. It should literally have nothing on there but a bankruptcy that is it.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Debt collection

Ive informed the collection company multiple times that this debt is not mine. Ive fought it and have not been provided any paperwork that would validate this debt. Ive never had a XXXX account. On my report it also shows a balance for creditor and collector which I believe is a violation!!! 

The company is Diversified consultants!! 1
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month every other day Experian has been putting accounts back on my credit report that is fraudulent and has been removed several years ago. Which they have all valid paperwork stating the accounts are not mine. My husband and daughter are also getting emails regarding disputes they never initiated. Ever since we are with there membership this is what has been happening. When I call and speak with the fraud department they are stating the company verified the information four years later! I have no clue what is going on. But my file is a mess right now. Out of the blue and every day, it's something different. I have continued to send in the paperwork to no avail. XXXX nor XXXX is doing this. We have laws in place if we are victims and they are not abiding by the laws.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I began working at XXXX XXXX for the owners of the business. I ran the company but was not an owner. In XX/XX/XXXX, I applied and was given a credit card Chase XXXX XXXX card. I did have to put in my social security card number. 

I left the company in XX/XX/XXXX but the card continued to be in use. In fact the password was changed on the card and I lost access to even log in. The debt continued to climb in my absence reaching it's current debt of {$48000.00}. Several payments were missed starting in XX/XX/XXXX. 

In XX/XX/XXXX I reached out to the company 's owner, XXXX XXXX and he agreed to take on ownership of the card and it's liability. I applied for a change of ownership/liabiltiy through Chase 's process but in XX/XX/XXXX received word that Chase had denied the change of ownership. 

In XX/XX/XXXX Chase applied the debt to my personal credit score, dropping it from XXXX to XXXX overnight. Chase has refused to give reason for the change of ownership denial and has drastically effected my credit score despite giving them a better opportunity to transfer this liability to the actual company owner. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been receiving info on my medical and my daughter 's medical that info has/is being used. I have cards on my accounts that I didn't put there or know anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card ( credit card company ) sent me a letter indicating that they were lowering my line of credit. This was based on a review of a credit report provided to them by XXXX. My credit FICO score with other agencies and credit card companies is quit high - plus XXXX and is currently at XXXX as reported by XXXX  as of XX/XX/XXXX. 


Discover Card listed my FICO score as XXXX and included " multiple delinquencies '' as a reason of lowering my line of credit with them. I have not missed a payment with Discover or any other CC company since XX/XX/XXXX!! I have requested that Discover PLEASE review this matter and consider re-establishing my credit to the previous status. 

I have spoken and communicated via email with representatives at Discover. 
A few have admit that there seems to be no reasoning behind the decrease in my credit line. They also can not see where a FICO score of XXXX was ever provided to them from XXXX  exist, but do see it was included in the notification letter that was sent. I also checked my report directly with XXXX XXXX - there FICO score was well above a delinquent XXXX score. 


I am just looking for some help to limit the damage that an erroneous credit line decrease can create. I've worked hard to establish a good and positive credit standing. 
I'm not sure why Discover is unwilling to work with me to resolve this matter. I'm asking you there for some assistance. 

Thank you for any help you can provide me in this matter, Sincerely, XXXX XXXX XXXX
Product: Credit card

After submitting a complaint ( Case Number XXXX ) I received a call from Synchrony Bank where they argued with me about my complaint. Eventually they agreed to remove the late fee. However, even though I paid the balance in full as soon as Synchrony gave me access to the transferred account, today I see that they charged me {$32.00} in interest. They are clearly doing that to penalize me for complaining to CFPB, as the account is closed, has been paid in full, and late fee removed. I would happily have paid Synchrony in full earlier, by their due date, if they had given me access to do so. But because I followed their instructions, paying quickly when they finally got the account transferred, they first hit me with a late fee, and then -- because I complained to CFPB -- now have charged me interest. I demand that Synchrony XXXX out the balance, remove any charges ( late fees, interest, penalties, whatever ), and send me a statement showing a XXXX balance closed account with no impact on my credit report. Do n't let Synchrony punish consumers who seek help from CFPB. Thank you.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX I have recently obtained a copy of my credit bureau-Experian, XXXX, XXXX ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.
Product: Credit card or prepaid card

I have a credit card with Comenity bank which just became Bread XXXX. The website has been down for days, I can't check my balance or pay, and as of today I can't use my card anymore. Customer support is non-existent. Their twitter account won't provide any info.
Product: Mortgage

Hi, as of XXXX XXXX I switched to XXXX home owners Ins from XXXX a XXXX underwriter.. I was told at first that XXXX from XXXX could do the transferring of the car and home ins ... than she called and told me I had to go into the office at XXXX to cancel the HOI..so I did and signed a paper stating that I no longer wanted XXXX and that I had new HOI.. I did that in front of a guy named XXXX. 
XXXX XXXX came and the XXXX XXXX paid XXXX for the year ... than in XXXX I asked why the escrow was soo much when I lowered the XXXX from then {$1400.00} to $ 600/yr and XXXX said sorry and sent me a check ( {$420.00} ) as well as lowered my payment $ 100/month ... I thought it was fixed but ... then in XXXX XXXX paid XXXX {$1600.00} for HOI till XXXX as a second HOI???? does this mean I get 2 homes if my home burns down?? I DO N'T THINK SO. so I asked XXXX if they could shed some light on this and they told me that XXXX no longer works for them ... so I asked XXXX if they could shed some light on this and they said that XXXX no longer works for them ... so I asked XXXX XXXX why they are paying 2 HOI on 1 home and they said yes that what we did??? HOW DO I FIX THIS?? XXXX XXXX already paid {$3200.00} for Ins that I cant use?????
Product: Checking or savings account

Found out that account was opened in my name with out my permission fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from TransUnion, XXXX XXXX XXXX  indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times
Product: Credit card or prepaid card

I closed a Costco CITI card because payments were not being applied to the right card as I also have a CITI Simplicity card. I continue to get late payment letters threating to report me to collections. When I call and speak to customer service I get routed to a number and then hangs up. I can not get Citi Cards to close the Costco card ending in XXXX. Citi card reported me to the credit reporting agencies and caused my credit score to be lowered.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX Hope you can address this soon, please.
Product: Bank account or service

PNC charged XXXX-XXXX dollar late fees on a equity line of credit. 
PNC bought National City Bank. PNC accepted the terms and continued collecting payments for years on this acct The payment has always been due on the XXXX of the month as the online webpage states and shows that the payment is due on the XXXX and shows how much to pay also. {$40.00} was charged as a late fee XX/XX/XXXX, before the payment was due by PNC. See the copy of the webpage and my previous payments for payments made by me. PNC charged XXXX dollars again XX/XX/XXXX when the website show conflicting information ( due date on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have been charged XXXX dollars for XX/XX/XXXX If PNC will allow you to login to my account. you will definitely see the conflicting website due dates and amounts. 
Should PNC have to honor my agreement with National City.
Product: Debt collection

This account was reporting to XXXX, XXXX and XXXX last year. I had it removed for inaccuracies as well as unable to validate. IC Systems buy it and change the information and start reporting again. I have disputed it now XXXX  times and each time IC Systems verifies that all the information is accurate. Heres an example of the intentional manipulation IC Systems engages in > date account opened XX/XX/year> If it was reporting last year as clearly states on my upload docs, then it could not have been open 6 months ago. 
Additionally IC Systems has ignored my certified letter sent to them requesting validation of account. ICSystems is an unethical unfair, reckless and devious company who intentionally manipulates the system to further the consumers damage extending the life of a debt. 
The have damaged my credit worthiness long enough violating my civil rights. Enabling me from being approved for any kind of credit at all. 
DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL CREDIT REPORTS REPORTING IT, BELOW IS THE DIDPUTE ABOUT IT DIRECTED TO CREDIT REPORTING AGENCIES Back in XXXX XXXX XXXX XXXX  XXXX and XXXX were XXXX this XXXX XXXX XXXX XXXXccount in collections with XXXX XXXX XXXX. It was disputed back then and removed. Recently IC Systems bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as IC Systems has now verified XXXX  times over. IC Systems is intentionally manipulating crucial information, which has harmed my XXXX XXXX. This is intentionally done and XXXX. XXXX and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all XXXX agencies once and for all. IC Systems should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS IC SYSTEMS ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. ( see attachment )
Product: Student loan

Dear sir or madam to whom it may concern. 
I filled for Chapter XXXX bankruptcy and received my court ordered discharge on XX/XX/2019 I have told NAVIENT many times to please stop harassing me and calling to collect. 
I filled for Chapter XXXX bankruptcy because I have no money to pay them, by law I am not to be contacted for debt collection for a period of 5 years to my understanding as told by my attorney. I have IRS tax debt also in part because of my Student Debt and I can not handle any more financial hardship. 

I can not get them to stop calling me every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been reporting on my credit differently via all 3 major bureaus. On my XXXX they have been claiming I have on time payments since 2020. I have tried all 2020 to contact them to validate this debt. They have not done so and continue to report false information. I believe they are reporting that I have on time payments to prolong statue of limitations and time-barred. I am now on my third attempt via certified mail. It now has been 30 days and again no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$26000.00}