23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has their credit card issued through Synchrony bank and this company has been notorious in not crediting back charges which were made for undelivered items abd then tacking on late fees and finance charges for a whole year to report it to the credit reporting agency despite my calls to dispute the amount since XXXX of XXXX, XX/XX/XXXX when i was assured that the credit would show up on the next statement and it never did. I spoke to them again in XXXX wherein I made a payment for items that got delivered but again I was told that the credit had not been applied from the prior dispute and that they would take care of it in XXXX. Months went by and in XXXX i started receiving collections calls but this was incorrect since the account was supposed to have been credited to bring it to XXXX  balance. I disputed again with synchrony and the collections three times and NOT once did they send me any information regarding the resolution of the dispute. Why should i be penalized for their nondelivery of service. This bank is shady as they say they will investigate and never do, instead they pile on charges and report to ghe credit bureau - they are still dogging me for collections when I have written to them, disputed every single time. I disputed it with XXXX but nothing came of it. Hence this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was the victim of Identity Theft I have a valid ID theft report from the FTC # XXXX The original lender discharged debt in XXXX  and now this collection agency is calling constantly and reporting a debt that originates as fraud and is severely harming my credit. I have notified them in writing more than twice now and they remove the debt and randomly start re-reporting which should be illegal.
Product: Credit reporting or other personal consumer reports

We have received additional information to counter attacked ChexSystem phony claim. 

The cited they are protected by Section 603 ( x ). I demand they provide the total content of this provision of this statue. When we looked up Section 603 ( x ) this is what we discovered : Section 603 ( x ) provides special procedures for investigations of suspected misconduct by an employee or for compliance with Federal, state or local laws and regulations or the rules of a self-regulatory organization, and compliance with written policies of the employer.

I am NOT an employer of Any of Chex System clients. Weather that be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So this file should NOT be closed until they provide us the complete statue that protects them from the FCRA.

If they choose to not furnish this information to the CPFB or any government agency, we are ready to litigate.

Ad every violation that they have violate in punishable up to {$1000.00} and there are many cited here. 

XXXX XXXX XXXXXXXX is claiming these same nonsense statue, " Specialty Consumer Agency ''. There is not such statue on the federal level of such. If it is, we are also demanding they provide us and the CPFB the very statue they claim protects them from the FCRA. We do not want a form letter. We want the very statue that protects them or we litigate here also.
Product: Credit reporting or other personal consumer reports

ON THIS DATE XX/XX/year>, XXXX IVE ASK THEM TO REMOVE XXXX XXXX BANKRUPTCY CASE NUMBER XXXX. IT WAS DISMISSED, BUT ITS STOPPING ME FROM OBTAING CREDIT, AND MAKING PURSHACES. PLEASE HELP GET IT REMOVED. THANK YOU.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Financial I have contacted the companies mentioned above.They will not listen! I have sent letters, showing proof, no reply back from them. 
They just call my phone harassing me every day. 
Every and ever one of these companies. 
They are reporting inaccurate information
Product: Credit card or prepaid card

Citi Bank has a vendetta against me because I have complained against them. Unfortunately I have 3 Citi Bank Credit Cards. Limits were {$3000.00}, lowered to {$500.00} illegally ; Home Depot {$4000.00}, lowered to {$500.00} illegally and Sears, {$4000.00}, just lowered to {$250.00} all without proper notice just because gave an earned feedback of zero! How can I get Citi Bank to stop victimizing me and leading low credit score and then using it as an excuse to keep lowering my limits without notice? Please help me with a referral to fraudulent financial abuse.

I have 4 good banks that increase my limits rather than increase, XXXX XXXX, 3 accounts ; XXXX XXXX, 2 accounts, best bank ; XXXX  XXXX, XXXX accounts and XXXX XXXX! I only get financial rewards from these banks rather than financial abuse acts. Just because Citi Bank is an international bank does not give them the authority to victimize, abuse, and subject us severely XXXX XXXX XXXX  to unfounded and discriminatory abuse! All of these has lead me to a bad score leading to losses of thousands upon thousands of dollars of low interest opportunities. Because of Citi Bank 's illegal acts, I don't qualify! Prior to all of these unjust victimizations, my score was XXXX, but XXXX turned our finances off illegally but then Citi Bank has followed illegal suit! I still make all my payments on time where the companies has not prevented me to access my accounts, because some have!
Product: Debt collection

CRA violation / No knowledge of the account / too many inquiries.
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS TransUnion : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Debt collection

Before this debt was sent to Valley credit service I had tried talking to the DR office XXXX XXXX the person that deal with billing became hostile about eh bill, I tried to explain that I had talked to my insurance company about the amount owed at that time I was informed my insurance company that they were not submitting the bill to them correctly and that all I owed on the bill was a co pay. 
I have also tried talking to the collection agency and the XXXX XXXX XXXX  XXXX  and explain that I had already tried to talk to the dr office and what information did she need from my insurance company saying that yes they would have paid if they had gotten the correct information. so yes I am disputing the amount that they say I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit
Product: Credit card

Citi Double Cash Card Last 4 digits XXXX. Phone : XXXX. 
Name : XXXX XXXX Address : XXXX XXXX Al XXXX PH XXXX There was a credit balance on my card ( citi bank owes me {$53.00}. ) I was owed this money for XXXX months and citi did not take any steps to refund me. Citi sent me blank check, I used XXXX check to get my funds Citi was illegal holding without interest. I wrote a check for the amount {$53.00} and deposit it to my account. Citi paid the check but charged me a fee of {$5.00}. There was no notice or info on the check that a fee would be charged. I want Citi to refund me the fee of {$5.00} and interest for holding my money {$53.00}. I called Citi customer service on XXXX/XXXX/2016 but citi refused to refund me the {$5.00}. Solution : I want Citi to refund me the {$5.00} and appropriate interest for holding my fund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( XXXX ) are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX, XXXX, XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against Innovis for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records.I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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

In accordance with the Fair Credit Reporting ASct this creditor XXXX XXXX XXXX XXXX XXXX XXXX MILITARY STAR, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it 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: Payday loan, title loan, or personal loan

I tried to cancel my loan with lendingclub but I was unable to do so because of the XXXX XXXX. When I tried to cancel my loan the next day, I was told that it was 1 day out of the loan cancelation period. I think this is unreasonable and was surprised that they wouldn't work with me to refund the fees charged or offer a partial refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest RCVY- no w shows a derogatory account on my credit report. I have never once been contacted by this company. I have done research showing hundreds of cases where this company has billed for payday loans. I have never in my life used a service like this or done business with this company.
Product: Credit card

On XXXX XXXX XXXX  I called capitol one and told them had a serious medical condition that was life threatening and would have trouble paying my bills. They told me pretty they couldn't help me. On febuary XXXX. I maid a payment to cover the over credit limit. I also scheduled auto magic payments going forward. On XX/XX/XXXX I received a letter from capital one saying my account has been closed due inconsistencies with their policies. I called the same day and requested my account to be re-opened. They told me it was closed because of declined payments. I told them I tried telling them about the situation back in XXXX. They still didn't seem to care. However, they told me to call back in a week once my payment cleared. I did and I was told my account was closed due to fraud. First of all which is it? This is a violation mof my several rights. I informed them ahead of time about making payments and they totally disregard the fact.
Product: Credit reporting or other personal consumer reports

As an individual confronting the complexities of student loan repayment, I find it imperative to address the inaccuracies present in my credit report, particularly concerning my XXXX XXXX XXXX. 

I am writing to formally dispute the inaccurate reporting of a closed student loan on my credit report. Upon reviewing my credit history, I have identified an entry that indicates that this loans is still open or outstanding. However, accord to my records, these loans were fully closed, settled or discharged in accordance with the terms outlined by the lending institution. The persistence of these inaccuracies not only misrepresents my financial standing but also but undermines my effort to maintain a responsible credit profile.
Product: Debt collection

XX/XX/2020 There are several complaints on this company for communications tactics on your database. They still have provided enough information that I have requested several times and they have not provided. I've submitted several complaints and they chose to ignore the FAIR CREDIT ACT. So what can be done about them?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, EXPERIAN and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, EXPERIAN and XXXX to report any information and Consumer did not authorize anyone employed at XXXX, EXPERIAN and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, EXPERIAN and XXXX and have been railroaded by XXXX, EXPERIAN and XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, EXPERIAN and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, EXPERIAN and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, EXPERIAN and XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15U.S.C1681 section 602 8 states i have the right to privacy 15 U.S.C 1681 section604 a section 2. I also state a consumer reporting agency can not furnish your account without my written um instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a collection account that has been reporting to my credit report. I have reached out to the collection agency and was only able to speak with someone about the account once, after attempting to speak with them again I have been told someone who return my call and never did, I assume this was a stall tactic, I also filed a dispute with XXXX itself who stated that the account was verified as accurate, in which it was not because it would not be on my file. I also reach out to the original creditor ( XXXX ) who informed me that there is no record of the account has it has a XXXX balance on my account. Federal law states that all information should be reported accurately .I am tired of the back and fourth, I requested debt validation and have yet to receive anything violation violation violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, Equifax is reporting incorrect information. I am very frustrated about it because they are not fixing this issue. The date of my bankruptcy XXXX XXXX is in correct on XXXX XXXX. it is reported that the date filed is XX/XX/XXXX. I did not file for bankruptcy on that date. I filed for bankruptcy XX/XX/XXXX.
Product: Student loan

I have been enrolled in an income sensitive repayment plan with  ACS and  when I went to re-new, they are now informing me that i am not eligible because I make too much. Nothing has changed in my financial situation since last year and find it ridiculous that I am now unable to qualify. I also must note that for the past month an a half I have tried to communicate with them about this issue, they had done nothing, responded to none of my inquiries and all I seemed to have gotten was " your application is still being processed ''. Now that I am far behind on my payment, I call and they tell me that I do n't qualify. And now I have a  XXXX  payment which I really ca n't afford.