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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Account number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 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. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to XXXX, Equifax, and XXXX requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to XXXX, Equifax, and XXXX requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. XXXX and Equifax responded
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I became aware of more than {$20000.00} of fraudulent charges connected with my XXXX XXXX issued through Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX. XXXX is a college savings program and I have held this credit card for almost 20 years. 

I contacted customer service immediately, and the representative was able to tease out legitimate charges from the clearly fraudulent ones. I was told a fraud investigation was initiated, and instructed to cut up the card. These bogus charges were easily distinguishable in transaction size, the types of vendors reached ( i.e. XXXX XXXX ) and frequency of charge compared to my normal activity and spending patterns. At no time in the run-up to initiating contact with customer service did I receive communication from Barclays about large, unusual charges or increased frequency of card use. 

On Monday XX/XX/XXXX my bank was legitimately charged for just over {$1000.00} in purchases, and funds were disbursed accordingly. On Tuesday XX/XX/XXXX Barclays, despite being on notice of fraudulent activity attached to my card, attempted to reach my bank account for more than {$20000.00}, putting my bank account seriously in the red, leading to bank fees etc. My bank, on XX/XX/XXXX declined to pay. Yet again on XX/XX/XXXX Barclays tried to access my bank account once again for over {$20000.00} in fraudulent charges. As of this writing, my bank account shows a negative balance. 

On Saturday XX/XX/XXXX despite more than 3 hours in calls with more than 5 customer service, fraud, security staff at Barclays I was informed that a ) Barclays would not provide temporary credit pending completion of the investigation, or B ) intervene to stop efforts to collect from my bank account, despite more than 96 hours of notice about the fraud. c ) I was further informed that the investigation would take between 30-45 days to complete. 

Additionally, I will be complaining to XXXX and have filed a XXXX complaint in Delaware.
Product: Credit reporting or other personal consumer reports

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible 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: Debt collection

I had found out about this unauthorized chargeoff a couple of years ago. They say its from breaking my lease at my apartments, which was completely false. Then they say its from damage to the apartment after i had moved out. Have not had one good conversation with them, it always turns to an argument.
Product: Debt collection

This is a charge off account with XXXX XXXX as they are now calling me and asking me for my social security number for verification which I am not at all about to give to someone I do not know at all. They have no right at all to be asking me for this information as again I am refusing to provide such info to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with Citibank ending  XXXX . For three times Citibank decreased my credit limit, to approach my debit balance. My credit reports from all the credit bureaus show a good standing for all credit cards at all banks. I have never been late for my payment, and always pay almost ten times the due amount ( see attached report of  XXXX  ). When I started the account, Citibank determined my credit limit, and based on this, I could make a balance transfer, which I am paying each month, to avoid any interest accrued. However, because Citibank decreased my credit limit, this had a negative impact on my credit score, and hence Citibank decreased my credit limit as my credit score lowered, which occurred for three times. This attitude of Citibank has never happened with any other bank.
If a bank has the right to make his own policy, the bank does not have the right to abuse the rights of his own customers. Citibank should adhere to preserving the just relation between the customer and the bank, if the customer is at a good standing. Citibank should never work against the customers benefits nor deprecate their good standing out of unsubstantiated reasoning.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an individual fraudulently took out a loan in my name from XXXX XXXX. I did not authorize or take this loan out. I did not learn about this loan until it was posted on my credit report as being past due. I have contacted XXXX XXXX several times to dispute the fraudulent loan which has not been resolved. After speaking with XXXX on XX/XX/XXXX on a recorded line, I was given the attached letter on XX/XX/XXXX to provide identity theft documentation, which I mailed to the address provided. I have not received any correspondence that my information was received and that an investigation had begun. I contacted XXXX on XX/XX/XXXX and provided documentation that I did not take out the loans on XX/XX/XXXX. The fraudulent loan from XXXX XXXX was removed from my XXXX report on XX/XX/XXXX after their thorough investigation. I contacted Equifax as well on XX/XX/XXXX and they reported XXXX XXXX was not as cooperative as they hoped. I contacted XXXX XXXX again on XX/XX/XXXX and spoke with XXXX on a recorded line. She informed me that my required documentation was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX and Jefferson Capital System violating my rights under the FRCA and  FDCPA. I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX. As a consumer according to the Attorney Generals Office claimed that XXXX XXXX XXXX subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default.

I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC.  Against XXXX XXXX XXXX and Jefferson Capital System :  Account # XXXX or XXXX. If they dont delete these items from my credit report for the violations to forwarded it to them. So, they can file legal actions. 
This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; XXXX XXXX XXXX Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with XXXX XXXX XXXX XXXX XXXX resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that XXXX XXXX USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. 
Under the terms of the settlement, XXXX XXXX XXXX will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. 
Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office. 
I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit. 
I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint is in respond to Jefferson Capital System LLC attachment on XX/XX/XXXX. 
You should also inform XXXX XXXX XXXX that there charge off be removed from credit report under there names this is under terms of relief for the consumer : engaging in credit repair for affected consumers.

Please remove these items with every CRA asap. Also send me a letter from both Jefferson Capital System and XXXX XXXX stating it will be removed.
Product: Debt collection

FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?
Product: Credit reporting, credit repair services, or other personal consumer reports

My BMW auto loan account is reporting in a delinquent status with 30 days past due.That information is incorrect, my account is good and up to date with the payments. As consequences they have closed 2 of my existing credit cards and lowered the balance on another. I need this to be removed from my credit. It is affecting my finances in general
Product: Debt collection

I have filed a complain with this company a year ago, XX/XX/2019 and received no solution. This company was included in a bankruptcy filed for myself and my husband, who is a joint debtor, in XX/XX/2019 and also does not have a surety bond to collect in the State of Texas. According to Texas Finance Code  Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. Therefore, I am requesting this company to cease collection efforts and stop reporting to the credit bureaus.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH FEDERAL RESERVE BANK OF MINNEAPOLIS . FEDERAL RESERVE BANK DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, XXXX, AND TRANSUNION A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX.. ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXXTHAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO XXXX, XXXX  AND TRANS UNION I WAS DELINQUENT ON XX/XX/XXXX/ THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX.  SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XXXX  OF 2018. ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED  XXXX XXXX XXXX CARD ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM FEDERAL RESERVE BANK OF MINNEAPOLIS AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR TRANS UNION AND XXXX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY XXXX AND MY TRANS UNION CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan has been on my credit report over  7 to  10 years and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit card account with XXXX XXXX has reported a late payment on. I have called XXXX XXXX to confirm that the payment was indeed not late and this information is reported inaccurately. 

Please remove the late payment from my account.
Product: Debt collection

ATG has reported twice to my credit report for XXXX XXXX for two emergency visits XXXX for myself and XXXX for my minor son. We are on XXXX per the No SurpriseAct this illegal to try and collect such funds from a XXXX patient and or balance bill a XXXX patient. When I have brought this to their attention they told me that the debt was valid, they never sent me any documentation advising to this debt. They refuse to remove such debt even after the hospital as written this off for tax purposes and now are trying to collect double their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand your and the companies " reply. '' However, I sent all the information by hard copy in response to their hard copy letter of inquiry. 

My response was mailed USPS Priority, Return Receipt Signature Certified. 
From my USPS office, to XXXX, their offices is XXXX XXXX maximum delivery time. They have had ample time to sign the receipt and confirm my very complete package of documentation mailed to them on XX/XX/2022. 

Why have they not confirmed the receipt of the documents?
Product: Debt collection

While reviewing my credit report I noticed this issue is still on my credit report. This account doesn't belong to me. I would like this removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I have inquires on my credit record that was not done by me these are the company 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

In XX/XX/XXXX, I cancelled the ticket with the airline, which they issued the refund. before they processed the refund, I called ahead the credit card company ( Alliant credit union ) because I had recently changed the card number and wanted to confirm whether refund could be issued to the old card number. They confirmed it should be fine. 

Today ( XX/XX/XXXX ), I had a call with XXXX to check the status of the refund ( with ARN number the airline/merchant provided ), and they now say the refund can't be issued to the old card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX  and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX