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

I've been trying to remove a charge off account as soon as I turned XXXX and was able to look at my credit report. This account was supposedly opened in XXXX of 2022, but I was a minor as I was XXXX XXXX XXXX. I didn't open this account and after months of disputes It has become increasingly hard to have this removed from all of my credit reports. My credit is terrible and I'm even having trouble just trying to get a secured card. Please I'm at a loss of where I can continue from here, I really need some help. Thank You!
Product: Credit reporting or other personal consumer reports

Exeter finance has my account showing as a charge off | paid in full. They are claiming my account was charged off before they received payment. They claim they didnt receive payment until end of XXXX but I totaled my truck and notified them the XXXX before. They sent a letter that my account was paid in full. Not that my charge off was paid. They also sent me XXXX so they cancelled the debt and was still paid and I was responsible for the taxes on that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. Both accounts that I did have open with them were closed - by XXXX XXXX - due to an error on their part. Even after said error was recognized and corrected, the accounts were never opened or repaired in terms of incorrect information being corrected. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.
Product: Debt collection

Request to Cease Communication and Removal of Account Due to Data Breach under 15 USC 1692c ( c ) Dear Sir or Madam, I am writing to formally request that all communications from AWA COLLECTIONS regarding the debt referenced below cease immediately, and that this account be removed from collections, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Details of Debt : Creditor Name : AWA COLLECTIONS/ XXXX XXXX XXXX Account Number : XXXX Debt Amount : {$180.00} The additional reason for this request is that I have recently been made aware of a data breach involving [ Name of Company or Service ], which I believe has compromised my personal information. As a result of this breach, I am concerned that the information used to pursue this debt may have been obtained through fraudulent means or mishandled in violation of my privacy rights.

In light of this breach, I am requesting that the debt be removed from collections and that no further action be taken regarding this account until this issue is fully resolved. Under the provisions of 15 USC 1692c ( c ), I also request that you cease all further communications with me regarding this debt. This includes all phone calls, letters, and other forms of contact, except for any necessary legal notices or required actions.

Please ensure that your records are updated accordingly and confirm that this request has been processed. If you need any additional information to proceed with this request, please feel free to contact me.

Thank you for your immediate attention to this matter. I trust that you will comply with my request under the FDCPA and take appropriate action in response to the data breach. 

Sincerely, XXXX XXXX
Product: Debt collection

I never received any notification from Midwest Recovery Systems that I had an outstanding debt. I was notified by XXXX XXXX that a new account had been added to my XXXX  credit report. 
I proceeded to contact the medical facility that was listed on XXXX XXXX 's site as the original creditor and they have no account for me on file. They also mentioned that they do not use Midwest Recovery Systems as debt collectors and that they use two other companies instead.
Product: Checking or savings account

XXXX Consumer Financial Protection Bureau, Yesterday, I received a letter on Chase letterhead dated XX/XX/2023. Said correspondence arrived in a white nondescript envelope that I had initially set to the side as probable Junk Mail. Once I opened the letter I was surprised to see in bold letters " We have decided to close your accounts ''. I immediately panicked. The anxiety caused my XXXX XXXX to rise and I became ill at the thought. 

At XXXX XXXX. EST, I called the number in the letter - ( XXXX ) XXXX. The automated system provided me with the option of a callback within 12 minutes. I left my number and took the time to call my accountant and ask him for advice / direction. At XXXXXXXX XXXX EST, I received a callback from XXXX. He basically read from a script nearly identical to the letter I had received. He could not provide me with any additional details. 

I asked XXXX to escalate my call. 

Several minutes later, XXXX introduced me to XXXX from the Fraud Prevention Department. Again, XXXX could not offer any insight as to why my accounts ( all four ) would be closed. I asked if there was anyone else I could speak to and she said 'no '. She mentioned that my relationship with the bank was " at-will '' and that they have decided that due to " unexpected activity '' my accounts would be closed. 

I shared with both representatives that ( to my recollection ) I had never bounced a check or had insufficient funds in my account. I have never been in trouble with the law save a minor traffic violation many years ago. I am not presently ( nor ever been ) involved in any sort of criminal or illicit business / industry. My relationship with the bank goes back many years without issue. I have a terrific relationship with my branch. 

I can not imagine why this happening. This will undoubtedly affect my XXXX  Score when I have worked tirelessly to safeguard my credit. In many respects, this is defamation of character. The bank 's decision will undoubtedly tarnish my reputation and worthiness as a banking consumer. Employers have " at-will '' clauses in their offer letters but are still liable for wrongful termination. And this is precisely what has happened to me. 

I have downloaded my XXXX Report with XXXX and there is nothing contained in their report that would justify the closing of my accounts. Most recently, there appear to be two inquiries from XXXX XXXX XXXX  but these were due to my employer opening business accounts that named me as an Authorized Signatory. Completely benign as far as I know. Nothing else appears in the report. At all. 

Please help me.
Product: Consumer Loan

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid. I did not make this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, Child Support XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX  acct # XXXX late payments, XXXX XXXX XXXX  acct # XXXX 120 day late payments, cb indigo 60 day and 30 day late payments, Farmers Furn XXXX 30 day late payments 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXXXXXX .... Balance : {$620.00} ; XXXX XXXX XXXX .... Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX DC XXXX .... Balance : {$0.00} ; XXXX  XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$18.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$1700.00} ; XXXX XXXX  XXXX XXXX XXXX 
Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the inquiries that were 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a TV and a phone with XXXX, opening a new credit line. They were supposed to send me the info for the payment by XXXX. 
I did not receive a statement until XXXX, and they had already reported me as 30 days late. I paid the amount off shortly thereafter to remove the potential for another harmful misrepresented statement. 
XXXX has refused to acknowledge the mistake on their end and remove the 30 days late from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX   XXXX
Product: Payday loan, title loan, or personal loan

Paid for services/goods by XXXX XXXX and did not recieve all contracted services/goods and they filed for bankruptcy. 

I am filing this complaint against goodleap ( finance company ) as they provided hundreds of loans to XXXX XXXX  that were deemed fraudulent by deceptive sales practices and failing to provide services and goods ( source : XXXX XXXX XXXX  XXXX XXXX I completed purchase in XXXX of 2022. I contacted goodleap and they did not provide any remedies and just stated I need to pay my bill as they have nothing to do with who they financed ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The Fair Credit Reporting Act of 1970 ( My Account number are XXXX  out ) Attorney General-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept Of Ed XXXX XXXX XXXX 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 shell not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

on XX/XX/2022 I extended my credit for an auto loan from bank of America on an application submitted by XXXX XXXX XXXX XXXX XXXX FL and I was denied. for weeks I have been in a depressed and very sad mind state in result of this denial to my family. we have no transportation to our children school or children school functions. i often feel embarrassed to be in this situation as a father. I recently received the denial letter in the mail from the bank, they informed me they denied me because of these principle things serious delinquency ; length of established accounts ; charge offs ; credit score ; This led me to doing some personal research on consumers laws, I found out bank of America is in violation of my right to extend credit. According to consumer law, 15usc1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.15 usc D ) ( 6 ) adverse action means a denial or revocation of credit, or a refusal to grant credit in substantially the amount. Also according to 15 usc 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is me XXXX XXXX in this instance. Bank of American is in violation with 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I received no benefit from this transaction in which bank of America has accessed my credit when i provided my information in my application for the loan. furthermore Bank of America on the back of the denial letter acknowledge the equal credit opportunity act which prohibits creditors from discriminating because the applicant has in good faith exercised my right under the consumer credit protection act. which is included in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS SHOWING TWO DIFFERENT CREDIT REPORTS FOR MYSELF- ONE UNDER THE LAST NAME OF XXXX AND THE CORRECT ONE FOR XXXX XXXX. I HAVE REACHED OUT SEVERAL TIMES WITH MY ATTORNEY TO CLEAN UP THIS AND MOVE FORWARD. THEY ARE STILL SHOWING XXXX AND ALLOWING A XXXX CREDIT REPORT TO BE PULLED WITH INCORRECT ACCOUNTS, BALANCES, NAMES, LOCATIONS, ETC. 
THIS IS NOW GOING ON 6 YEARS I HAVE ASKED THEM TO CONSOLIDATE AND CLEAN UP MY REPORTS.
Product: Debt collection

I have begin to look into my credit as because I am at the age where I need to focus on my foundation, so I see things on there I have never had or thought I could have because of my credit, there is a depth collection company that I can't get intouch with because when u call their line it gose right to voicemail, the one time I did get an answer the guy was like, '' what are you calling me for. '' I have called XXXX and the customer service rep was like The account has been sold what do you wants us the account has been sold so you mean to tell me you cant tell me anything about this account in which I owe a bill for and they are the only one that has any record of such cause in 2016 of XXXX the XXXX I was released from XXXX  went to stay in XXXX GA, got a phn from XXXX XXXX XXXX, then from there boost mobile and have been with that company for going on 4 years. So how do I get. Somewhere with this, I have rights and I know that somthing can be done, I don't have anything to give to anyone I have not had A service from. I have disputed the debt 8 times, they take it off put it right back, something about the regulation, and pretty much I am responsible but there is no way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not comply with their own policies in a timely manner. 
Please remove the negative items reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B mandates reporting incorrect accounts on a consumer 's report. I'm disputing these wrongly reported accounts on my credit file and expect {$1000.00} for each error under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX  XX/XX/XXXX
Product: Debt collection

National Credit Adjusters has falsified a debt on my credit reports. No notification was provided in regards to this debt. They parked this debt on my credit report and have re-aged this debt which once again violates the statue of limitations. They are reporting this as a new delinquency. I have never been notified of this debt. FCRA requires debt buyers to notify me when they report negative information to a CRA, this practice violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I am having with Equifax is not allowing me to dispute online or even getting my annul free credit report they lays climate the information does not match I want to cues my info online and dispute my info via dispute.equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my ( EQUIFAX ) credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 1.XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XX/XX/XXXX 3XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX, XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX   XX/XX/XXXX XX/XX/XXXX inquiry to determine who requested this credit inquiry.
Product: Mortgage

This is a follow up to a closed complaint ( XXXX ). In summary, after months of no traction with the LoanCare, XXXX was able to get the lender to respond and issue a letter of acknowledgement that they had made errors in the collection of my payments. They sent a letter ( dated XX/XX/2017 ) stating that they had sent corrections to credit bureaus but those are not reflected and now I'm unable to get a loan for the home I have a contract to purchase on. The underwriter said they will accept the acknowledgement letter in my possession for a correction IF the company will re-issue it with a more current date, I'm having trouble getting through the anyone who can expedite this request so that I do not lose the home.