23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX BANK # XXXX, Account name : XXXX  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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account XXXX .... 
Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 12 U.S.C. 1681 e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the reporting of this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card

I did not authorize these inquiries on my credit report. Please remove immediately. 
XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  -XXXX  XXXX, XXXX Capital one - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX  - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX 2022
Product: Debt collection

We owed XXXX XXXX {$500.00} ; XXXX XXXX XXXX filed and obtained default judgment in XXXX XXXX Texas for {$5500.00} ; higher than the debt owed ; payments made were not included in XX/XX/XXXX. Now Nations Recovery Center in XXXX GA is threatening to garnish wages on XX/XX/XXXX for {$9400.00} and wants 25 % paid now which would be {$2300.00} or they will garnish my wages. This judgment is out of state and no longer on our credit report. We are not paying money again ; they would simply not count it and come after us for a higher amount ; numerous complaints on the web against Nations Recovery Center in XXXX GA. Complaints filed with FTC and XXXX Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a dispute for an account on my report XXXX acct # XXXX. In stead of researching and verifying the information I supplied to them they updated once again to what the letter I sent in stated. The bad part is, the account is included in my bankruptcy and now it says it is late and past due. How did they fix my dispute or correct the account. They did not verify any information from the creditor. I had asked them to remove the item and instead they updated it with false information and have further damaged my credit and reputation. I have attached a letter of what I sent them and a copy of a document showing it is in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX and in XXXX, I was a victim of an home invasion. All of my personal belongings were taken including my wallet holding my bank cards, phone, and a lot of paperwork with passwords to many of my accounts. Shortly after I had fraudulent activities happen with my bank account putting my account in the negatives and closing my account. I would like a reconsideration to be allowed to open an account to prove I can continue to maintain my account under the guidelines of the company. I believe this is a situation out of my control.
Product: Debt collection

ALLIED COLLECTION SERVIC Account number XXXX Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX- HAS REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE IN FIRST PLACE IT WAS FOR A RELATIVE WITH A SIMILAR NAME AND IT WAS PAID IN FULL WITH THE MEDICAL FACILITY IN FIRST PLANCE. I TRIED TO CONTACT ALLIED VIA PHONE AND MAIL WITH NO LUCK. MY CALLS DID NOT GO THROUGH AND ALL LETTERS CAME BACK UNDELIVERABLE. I CONTACTED XXXX XXXX XXXX- who stated there are NO accounts under my name and they had no idea who this collection company is
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am writing to alert this agency to anti-consumer business practices at Comenity Bank, a creditor that intentionally avoids making payments simple and certain for consumers and then irresponsibly and maliciously asserts undue control over their financial well-being. 

Detailed explanation of the issue : I used my Comenity Mastecard at XXXX XXXX in XX/XX/XXXX for the first time in more than a year. I mistakenly thought I had set-up autopay on this account only to remember when it was too late that this account doesnt offer autopay. As soon as I realized my mistake, I paid interest and fees amounting to 22 % along with the entire balance ( {$150.00} ). Comenity Bank reported my delinquency to the credit bureaus, and the delinquency is having a significant negative impact on my credit score, preventing me from refinancing my mortgage and taking advantage of tens of thousands of dollars in interest savings. 

I wrote to Comenity in XX/XX/XXXX explaining the situation and requesting a goodwill adjustment. With no justification, my request was denied. I then called and spoke with a manager who offered to personally request that the Credit Reporting Department reconsider my request. They again denied it with no justification. 

I called again on XX/XX/XXXX and spoke to two managers first XXXX, then XXXX, who told me that the denial of my request was final. Neither would share the list of criteria used to determine whether a goodwill adjustment is warranted, but XXXX confirmed that the size of the debt is not a criterion.
Product: Credit card or prepaid card

XXXX was fraudulently charged. I notified the credit card company ASAP. They cancelled the card and stated that they would reimburse the chargers. This was in XX/XX/2023. 
I noticed from my XXXX statement that the charges have reappeared on my card as well as a duplicate charge. 

I jave called the credit card company and I am not happy about their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 Navy Federal Credit Union reported to the credit bureaus that I was 30-59 days late in payment. This happens to false.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit card or prepaid card

Synchrony Bank ( XXXX XXXX Credit Card ) Payment due for XX/XX/XXXX was made of XX/XX/XXXX Payment due for XX/XX/XXXX was made on XX/XX/XXXX Payment due for XX/XX/XXXX was made on XX/XX/XXXX Started marking me late on credit report for the XXXX payment as they say no payment was made. Say it was made a day early and was applied toward XXXX. Started charging me a late fee of {$39.00} per month in XXXX. Kept sending in our normal payment because we didn't look at statements because we were always paying early. They refuse to take late payments off or fix credit report. Saying it is too far back for them to make changes and i either pay the late fees or i will continue to be marked late. 3 people on phone with their company agreed i was not late but no one can do anything about it
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I am the victim of identify theft XXXX is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we need to take out any wrong accounts from my credit report. Can you look at the papers? Some of the accounts listed have wrong information about reporting, the amounts are wrong, and the dates are wrong.
Product: Debt collection

I checked my XXXX credit report the beginning of XXXX XXXX and saw an account that was in collections for $ {$590.00} owed and the original amount was {$1300.00}. I also saw that my credit score on XXXX was horribly low around XXXX due to that collections! That account does not belong to me. I had no idea what the account was or who it belonged to. I could not see the full detailed information on the, so I had to get a full credit report to see the account was posted by a collection agency FirstPoint Coll Resources for XXXX XXXX for a medical bill for an account ending in XXXX for Medical or Health Care. The collections had been on my credit report as a collection account since at least XX/XX/2023. It states on the collections it went into collections XX/XX/2023. I had no idea this account was on my credit report all this time, because I only check my XXXX credit report and didn't check XXXX until XXXX XXXX. I do not have any medical bills, obligations or anything with XXXX XXXX, and the account nor the bill is mine. I contacted XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX and again several other times since telling her it is not my account and they need to remove it from my account. I was denied personal and business credit due to this collections being on my account. I had no idea. XXXX XXXX told me they would have it removed and it is still there. She sent me a letter from FirstPoint stating it would be removed and that is was paid. I told her I have nothing to do with that account and it should not be associated with me and my credit at all and that the letter should state it was put wrongly put on my account. The account is still on my credit report and still as a collections reported XXXX, in XXXX places, on my XXXX credit report. It is illegal for them to put an account on my credit report that is not mine. Unfortunately I had to prove the account was not mine, not my responsibility and yet they still have not removed it. This is not my account, I never signed as guarantor, never took any financial responsibility nor did I know anything about the account bills, it going into collections nor being on my credit report. XXXX XXXX and XXXX XXXX knew the account was not my account and FirstPoint should have known too. I do not know how they get away with doing this. It should be against the law and they, both XXXX XXXX XXXX and FirstPoint, should be heavily fined. I spoke with FirstPoint today and they said XXXX XXXX never told them to take the account out of my name. She has been very untruthful as she lied several times stating I had signed as the gurantor for this account and then I had to prove I did not, which she already knew. This was and is never my account or responsiblity. They said the would only give me a letter stating it was paid off, but the account would still be in my name. This is and was never my debt nor did I ever take responsibility for it and it needs to be removed completely from any record that has to do with me. It should not be associated with me in any way.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Credit card

Please see attached XXXX pages of evidence and documentation to Bank of America in regards to XXXX Bank of America submitted XXXX pages of evidence and spoke to several supervisors in the fraud /billing disputes departments about evidence to include a stolen UPS XXXX number and my XXXX Account was hacked and compromised on XX/XX/2023. 

XXXX Dispute turned into a billing dispute/denied provisional credit {$4600.00} -Submitted evidence from phone records, reporting the incident unauthorized transaction to XXXX and BOA in which XXXX blatantly refused to investigate or refund the unauthorized transaction before hacker uploaded stolen tUPS tracking # which later shows delivered to XXXX XXXX who is not me. XXXX and BOA refused to investigate XXXX tracking # and BOA refusing to take action against XXXX by refunding the disputed amount {$4600.00} Spoke to several supervisors at BOA XXXX and XXXX XXXX under my claim # Spoke to XXXX XXXX and was promised a refund, customer service several times see phone records when I called in. 





XXXX BOA # Billing/Fraud dispute department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX
Product: Bank account or service

To whom it may concern, I am disappointed with the work that the company does Eppic cards, looking at my accounts note many irregular transactions that notify and dispute, waiting for a solution from your fraud department, your results have been very negative and unprofessional, I asked for evidence that was never sent to me and they offered it themselves, I want to do an investigation and their work is more efficient to the favor of their clients, it is too stressful to look at amounts collected rather high and only receive a letter with its inefficiency. I ask for more professionalism from this department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of filing XXXX XXXX. I had previously been working with Freedom Debt Relief to pay off my creditors. My attorney stated that I should cancel my account and have any funds currently with Freedom Debt Relief immediately returned to me. I called them, explained my situation and they transferred me to the " termination '' department. I spent over 30 minutes on the phone and the agent would not initiate the return of funds. He stated I could not cancel the upcoming scheduled withdrawal. I told him multiple times in clear English to terminate my account and return my money. He then stated that he could stop the withdrawal and admitted to lying about it on the recorded phone call. After the fifth or sixth time of telling him what to do and him failing to do anything but argue with me I hung up. I then had to call back and get an agent to refund my money and stop any further withdraws. He did not have the power to cancel my account and said I would need to call back to do that. I told them multiple times on a recorded call to terminate my account and they refuse. I am not calling back. I should not be subjected to the lies, deception and emotional abuse that their termination department gave me. This company is horrible. I would never consider using them for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.
Product: Student loan

Hello, my name is XXXX XXXX. Over the past year, I been trying my best to get my student loans together regarding the different programs. I sent in a dispute because my student loan had started reporting late payment in XX/XX/XXXX. I thought I submitted the forbearance documents which I found out later I did n't. I received a letter explaining what happened and they noted my credit report as disputed Item and if I wanted to remove the note '' dispute '' remove off my student loans I will have to submit this request in writing. Per there request, I submitted the information requesting for them to please remove the statement '' Disputed item '' off my credit report. However, as of XX/XX/XXXX XXXX has not removed this from my trade lines. This information was sent over about six months ago. Please Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccurate Reporting Dear Credit Bureaus I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified several charge-offs that contain incorrect information. 

The following accounts require your immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The balances reported are inconsistent, and the status is inaccurately listed as a charge-off with current payments. This needs to be corrected and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reported amounts are inaccurate and need to be removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The report contains conflicting information, indicating both charge-off and open status. This incorrect information must be deleted from my credit report. 

According to the FCRA ( 15 U.S.C. 1681e ( b ) ), you are required to ensure maximum possible accuracy in reporting. If you can not verify the accuracy of these accounts, I request that you delete the inaccurate information promptly. Please provide me with all information your bureau used to verify these inaccuracies, including any METRO 2 compliant evidence, within the required 30-day period. 

Failure to comply with this request for deletion will result in my legal team taking action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, as well as pursuing any further legal actions deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX