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

On XX/XX/2019 I received a letter from XXXX XXXX XXXX , XXXX in reference to an alleged debt with XXXX XXXX. I called XXXX XXXX XXXX and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by XXXX XXXX XXXX, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX XXXX Police Dept. This is not my account, I want it deleted from all of my credit reports. 

Also Equifax keeps sending me emails that a dispute was started and then sends me a link to the results, yet when I try and log in to get my results, they say that the information they have on file doesnt match my report.
Product: Debt collection

I Received More Correspondence From PRESSLER, FELT & WARSHAW LLP On XXXX XXXX Saying That I XXXX XXXX Did Not Pay My Full Settlement On A Debt That They Acquired From XXXX XXXX XXXX, XXXX XXXX We Agreed On 3 Month Payment Arrangement Of XXXX Dollars. In Which I Provided 3 Payments Of That Amount. For XXXX, XXXX And XXXX. Now They Are Trying To Pursue Legal Action Against Me Again Even Though I Paid The Full Amount. I Have Copies Of The Bank Statements But Honestly Im Afraid That Isn't Going To Be Enough They Also Have Not Removed The Debt From My Credit Report And Won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. CALIFORNIA XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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

The loan for XXXX is not my loan, however it is mom loan who died in XXXX. I had no knowledge of this loan until years after her death. A little background about me I have not lived in Alabama where the mobile home is located since XX/XX/XXXX ( mobile home was purchased after I left home for the XXXX ). The credit report states that this mobile home was purchase in XXXX, I was XXXX XXXX XXXX with no desire to purchase anything but a car. I am retired XXXX XXXX  XXXX, who currently still works for the XXXX as a Government Civilian Employee who has never had any plans of moving back home. The loan in question is for a mobile home that was repossessed between XXXX and XX/XX/XXXX. I have called XXXX  at XXXX XXXX to XXXX times a month to resolve this issue but when I have spoken to someone on the phone, they state they have no record of me having an account with their company. I give them my SSN and account number on the credit report and still they say no record found. I have called the whole month of XX/XX/XXXX and have not spoken to anyone yet. I have disputed this issue with the credit bureaus and each time XXXX validates the information on the report. I have never received any mail regarding this property. I am in the process of hiring a lawyer to help me resolve this issue. I just would like to speak to someone so I can have this deleted from my credit report because this is causing problems professionally and personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX informed me about a personal loan in the amount of {$620.00}. The information they had was from a previous employer back in XXXX. There was no loan taken out by me personally at that time or ever. The company instructed me to file a claim with the government site XXXX I made an account and filed a claim stating that this was identity theft and was created without my knowledge. Now on XX/XX/XXXX I am still trying to get this taken off my credit.
Product: Credit card or prepaid card

Bank of America closed my credit card that I've had for 16 years with no warning due to in activity. hey would not allow me to reopen the card even if I charged something on it. I've never been late on any credit card payments and have an 800+ credit score. I also had a 7.9 % locked interest rate ( due to the Consumer Protection Act ) and I believe that is the real reason my card was closed. I want my card reinstated. I was waiting for a call back from B of A Director XXXX XXXX which has not happened yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is willfully reporting an inaccurate consumer report, about me, the consumer, without respect to my privacy, accuracy, fairness and impartiality as define by Congress in 15 U.S.C. 1681. Equifax is in direct violation of the FCRA and the GLBA 15 U.S.C. 6802, and in despite of the multiple attempts by the consumer to dispute and have this information permanently deleted, Equifax refused to follow and honor the law.

Equifax if collecting, assembling, and sharing a consumer report on me without my consent. Equifax is included excluded consumer transactions and experiences as well as authorizations and approvals of a specific extension of credit directly or indirectly by the issuer of a credit card pursuant to 15 U.S.C. 1681a ( d ) ( 2 ).

Pursuant to 15 U.S.C. 6802 a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Equifax is a financial institution as defined in 12 U.S.C. 1843 ( k ). Equifax has never requested my consent to report a consumer report and they have not provided my an option to opt out as a federally protected consumer. I've made multiple attempts to dispute inaccuracies and have my right to privacy respected but Equifax continues to be willfully negligence. How can a consumer have faith and confidence in the banking system when the persons upheld to insure it won't even follow the law? Equifax sends every dispute back as verified but never provide the necessary contents pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) and the reinvestigation procedure pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) to insure Equifax exercising his duty to adopting reasonable procedures that are equitable to the consumer. This negligence has resulted in the the filing of a federal civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I, XXXX XXXX XXXX XXXX, hereby, request the removal of inaccurate information from my credit report, all previous addresses, all aliases, all phone numbers, and old workplaces. I am afraid to be susceptible to a theft of identity. Therefore, I request you correct my personal information such as First Name, Last Name, Current residence address, phone number, and current work information in your Database. They must be current and only contain accurate information. 

Please find included copies of my identity supporting my request to update my personal information in your Database. 

Thank You.
Product: Credit card or prepaid card

On XX/XX/2021, I realized that two duplicate payments of {$370.00} is showing on my Transaction billing and payment history for my Indigo Genesis FS Card Services account. Please see attached :
Product: Credit reporting or other personal consumer reports

To whom it may concern, The report on Bankruptcy is incorrect. The XXXX was not filed/Discharge and it was DISMISSED dated XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provides an option to dispute. 
These options are listed in drop-box format. 
However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Personal Infomation address : XXXX XXXX XXXX XXXX XXXX Alabama XXXX. 
XXXX : XX/XX/1992 Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX Delete all closed accounts on my credit report and late payments on my credit report. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

My score just dropped XXXX XXXX points because of an unknown collection showing on my report from XXXX that is fraudulent. The name is Firstpoint Coll Reso in the amount of {$99.00}. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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

XXXX XXXX broke my cell that I tried to return several times within a 10 day period on the due to data phone calls not working that would be breach of contract then on XXXX day the XXXX store clerk dropped my phone and broke the screen I Said I want to return it now he refused he stated I can not return it with a broken screen I stated to the clerk you broke the screen still refused I called several customers service reps I called district manager still would not return the phone even though the contract for service was still in breach .credit report 2 I paid XXXX XXXX XXXX XXXX  bill that was {$290.00} I sent the online receipt with confirmation the stated it would be removed in 30 to 60 days in XX/XX/2022 still it has not credit report 3 XXXX XXXX XXXX XXXX for {$200.00} I sent them the new insurance paperwork from XXXX XXXX XXXX when they canceled the policy with XXXX XXXX XXXX XXXX and activated the my policy with XXXX XXXX XXXX but still proceeded to bill me for a little more than 2 months past cancelation with XXXX XXXX XXXX XXXX that XXXX XXXX personal canceled the policy with XXXX XXXX XXXX and no matter what dates or paperwork I send them they refused to take it off my credit report.that has cause many of credit problems with living situation being your credit is checked on everything now a days which because of my living situations because of this has caused many physical health issues and lots of unnecessary stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Loqbox Finance LLC that has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The company in question has failed to provide me with the right to opt out of reporting information on my consumer report, which is a direct violation of 15 USC 6802. 
Furthermore, the company is using my information for their own benefit and has inaccurately reported information on my consumer report with XXXX and XXXX XXXX. The last verified section is inaccurate, the date opened is inaccurate, and the date of last activity is also inaccurate. This is a clear violation of 1681n, which states that any person who willfully fails to comply with any requirement of the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
In addition, I have sent multiple correspondences to the company regarding their violation of 1681a ( d ) ( 2 ) ( A ) ( i ), stating that my consumer report excluded information solely as to transactions or experiences. However, the company has failed to respond to any of my inquiries, which has caused significant harm to my financial standing and creditworthiness. 
I am requesting that the Consumer Financial protection Bureau investigate this matter and take appropriate legal action against the company for their violations of my rights under the FCRA and the Privacy Act of 1974. I also request that the inaccurate information on my consumer report be corrected immediately.
Product: Credit card or prepaid card

Amex Platinum : Please see the attached screenshots of my chat with representatives at American Express. I asked if I could download all of it, but was told there was no way they were able to do so. 

I have had horrific issues with both of my American Express accounts. 

Regarding my Amex Platinum : The annual charge for {$690.00} appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. 

I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. 

Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. 

What they did is so unethical and immoral. I have a hard time believing its even legal. 

If you could take the time to read through the screenshots I would appreciate it. I worked so hard to fix my credit ; it took me a very long time after my divorce and just the fact that I was able to get that credit card made me feel so good about myself. I try so hard and it never seems to matter. 

Thank you in advance for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX for XXXX XXXX and National Credit Systems for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.