23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2020 I received a phone call from a company called pristine asset group stating I had an outstanding balance on a credit card and that my monthly income would be garnished if I didn't make arrangements for payment and that if I got back with them a settlement could be made to clear my credit debt also they were working with a attorney 's office and to keep from being sued and my checks garnished I made payment a {$1500.00} to settle a debt later to find out I had been scammed the address that my credit card company gave me was XXXX XXXX XXXX XXXX XXXX XXXX which doesn't exist the telephone number XXXX goes to voicemail
Product: Debt collection

Received missed call from XXXX at XXXX on XX/XX/21. Number was not saved in phone, not sure who it was. 

When I called back at XXXX, the woman stated Bullseye Financial and asked if my name was XXXX XXXX XXXX XXXX XXXX XXXX. I said yes, that I received an unsolicited call from that number. The woman stated she was from Bullseye Financial and was sent information from law firm regarding a retainer fees debt. 

She never prefaced the call that she was from a debt collection agency, if the call was being recorded or not, or to verify I was the person they were looking for using other demographic information. I hung up the phone, assuming it was a scam call and blocked the number.
Product: Credit card or prepaid card

XX/XX/22 Received a letter from synchrony bank that a person was trying to open a Lowe 's credit product and they needed additional information to verify identity. It was mailed to our address but addressed to a different person 's name. We do not know this person. XX/XX/22 I called synchrony bank to report that the person was using an incorrect address. They said they said not to do anything thing and to just throw the letter away. I asked them to please record the address for their files with the incorrect information so that it doesn't wind up effecting us.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just paid for my credit report and I saw those fraud inquiries that shall delete from my credit report. 

THOSE INQUIRIES ARE FRAUD : CONSUMER PORFOLIO SERVICES, INQUIRY DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submit a FTC report to Chexsystems about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with Chexsystems and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... Chexsystems refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
Product: Credit reporting or other personal consumer reports

I am contacting Navy Federal and informed them that the information that they are reporting is unlawful. I asked them to remove. It is not my account nothing was done.

NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Personal Loans {$220.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$220.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$1400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$220.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off as bad debt. Dispute resolved ; customer disagrees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account : {$110.00} Reported to collection agency XXXX XXXX Removed from XXXX XXXX in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency South West Credit System was added to credit report on XXXX after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.
Product: Credit card or prepaid card

Opened the credit card because of the promotional offer. Spend {$4000.00} in the first 3 months and receive XXXX points. I spent the {$4000.00} in the first 2 months but the points never came. By the time I called to find out why I didnt get the points they told me that the XXXX XXXX  yearly credit card fee was not included in the {$4000.00} and that because of that I was {$62.00} short of the {$4000.00} and I was now outside of the 3 month promotional window. 

This is a classic bait and switch by Capital one!!!!
Product: Credit reporting or other personal consumer reports

I put in a dispute to remove the following inaccurate information from my credit report : Hard inquiry for XXXX dated XX/XX/XXXX  Hard Inquiry for XXXX dated XX/XX/ Hard Inquiry for XXXX XXXX dated XX/XX/XXXX  They came back as accurate & I don't believe they were investigated properly.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

They said we took out a loan with them and we did not they refuse to correct their error they have the wrong date of birth wrong address
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said that they verified a fraudulent account as belonging to me. Equifax was notified that I am a victim of identity theft. I would like to how and what date that a fraudulent account that I had nothing to do with was verified as belonging to me
Product: Debt collection

Was contacted XX/XX/2021 by an officer who was supposed to serve papers but called me instead and worked for XXXX XXXX XXXX XXXX XXXX about a payment on my credit report to the company Why Not Lease It. The amount is for {$2500.00}, which I was told included court fees, court costs, attorney fees, or they would settle out of court for {$730.00}. They gave me a few ways to pay. I chose to pay XXXX up front and the remaining 30 days later. 

This debt is on my account, but after paying it and reading online, I feel I was scammed. I was never given a contract or agreement until after I sent the money. And my closing payment I wont get another document until after the last payment. The man I spoke to said I had 1 hour to decide or the deal would be gone and they would pursue court and bring on fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have submitted several request to the courthouse and to the Bureaus about a bankruptcy reporting on my credit. As per the courthouse has advised that they do not report to the bureaus. I writ two letters to the Bureaus advising that they are violating my privacy rights. I am protected by the law and have rights to my privacy. It is Illegal for the Bankruptcy to be reporting.
Product: Debt collection

Bay Area Rec ( XXXX  XXXX XXXX ) Action Date : XX/XX/2013 This letter is regarding an account, which you claim I owe {$210.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as  evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I called pra because they showed up on my cbr while talking with the rep I asked what is the ssn they have on file she stated a ssn that doesnt match mine. I dont understand how they can add something to my cbr and the ssn doesnt match
Product: Credit card

On today, XX/XX/XXXX, I logged into My Synchrony Bank account where I have 4 credit cards with Synchrony. I initially received a {$7000.00} credit limit from Mattress Firm in XXXX and have made 2 purchases. Today, I realized that I no longer had the {$7000.00} limit. My balance showed {$480.00} with only {$65.00} left to spend. I immediately called the number on the back of the Mattress Firm credit card. I spoke with a female customer service representative amd when I asked her what happened to my limit, she claimed that they sent a letter on XX/XX/XXXX or XXXX and sent me an email informing of what they did. I have yet to receive this notification. She then told me that they took my {$7000.00} credit limit down to {$550.00}. This significantly hurt my credit score because now it appears as though I have 88 % usage of this {$550.00} limit with {$480.00} being used of the {$550.00}, leavingme with {$65.00} to spend. She told me pulled my XXXX report and that my mortgage balance hadn't not gone down enough. I've only had my mortgage for 3 years so I'm not sure how much they expect to be paid towards it in 3 years when its a 25 year contract. She told me my student loan balance hadn't not gone down enough. My loans have been in forbearance for several years and I'm not required to make a monthly payment. It shows pays as agrees on everything I have. She also stated that usage is too high on other cards. I feel that none of my other credits should have any bearing on the other. I did not request a credit increase and they checked my report without my knowledge. They refused to reinstate my originally approved {$7000.00} limit and told me i would have to apply for an increase. My score had improved after maintaining my bills and monthly payments, rising to over XXXX. I've worked too hard for Synchrony to be able to do this and drop my score as much as it did. I had plans to trade my vehicle soon due to car issues and no warranty to cover the maintenance it needs and definitely won't be able to do so with the low scores I now have. No bank is going to approve me after this. It has caused emotional distress on me that is completely unfair after the years it took me to fix my credit score.
Product: Checking or savings account

Deposited a check into my personal account from my business account both are TD bank accounts. {$1100.00} got deposited into my personal account and they are currently holding pending verification {$1700.00}. They stole the available balance out of my account and said this will all clear up next business day. This is a holiday weekend. This is theft in my eyes. The lady on the phone said this was there error and there was nothing they could do about it.
Product: Credit card or prepaid card

I have tried multiple times to contact U.S. Bank regarding my credit card. I have been unable to log into my account for 6-8 weeks. I have a new phone number, which I had updated, but they did not make a change to using it as account recovery. Therefore, when I try to reset my password it will not allow me. I have not had access to my account to review any charges, verify accuracy of my bill, or make an online payment. I have called them via phone in XXXX, XXXX, and again today XX/XX/XXXX. Today, I learned that they did not update my account properly and that I will take 3 business days to correct. I requested to speak to someone in their credit department as I wanted to request they remove the negative remarks since it was their error that did not allow me to view or pay my bill online. I spent 54 minutes on the phone but was disconnected. I called back, spent another 5-10minutes on the phone and was disconnected. I called a 3rd time and was told no one would help me unless I paid my bill and when I requested a supervisor the call was again disconnected. I do not think I should be at fault when U.S. Bank has not provided me with the ability to view and pay my bill online. I can bring my account current once I finally gain access to my account ( supposedly on XX/XX/XXXX yet my next billing date is XX/XX/XXXX so they will report me for a 3rd month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau – XXXX XXXX and XXXX  credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request the following account be removed from my credit file : Account to be blocked and deleted : XXXX XXXX XXXX XXXX o Account Number : XXXX  o Date Opened : XX/XX/year>XXXX  o Amount : {$3800.00}
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX XXXX XXXX, 12 XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) related to the inaccurate reporting of a collection account that I have no knowledge of. 

On my TransUnion credit report, XXXX XXXX XXXX is reporting a collection account allegedly originating from 12 XXXX with a balance of {$1700.00}. According to the creditor, the account was opened on XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or 12 XXXX regarding this account, and I have never made any payments toward this so-called debt. 

Believing this to be an error and potentially fraudulent, I filed a dispute with TransUnion on XX/XX/XXXX, explicitly stating that I have no knowledge of this account and that it is inaccurate. Despite the seriousness of the dispute, TransUnion closed the investigation in just 10 days, providing their response on XX/XX/XXXX. Their investigation report stated : TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

This response raises concerns about whether a proper, thorough investigation was conducted, as required under federal law. The account remains on my credit report, negatively impacting my credit profile. 

1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX XXXX XXXX and 12 XXXX  are responsible for reporting accurate information. Despite my dispute, they have failed to correct or remove inaccurate data.

2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion is legally required to conduct a reasonable investigation into disputed information within 30 days. A 10-day resolution without substantive verification indicates a lack of due diligence.

I was not provided with any documentation verifying the legitimacy of the alleged debt.

3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion has a legal obligation to ensure the maximum possible accuracy of the information in consumer reports, which was not upheld in this case.

4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft ( if applicable ) Given that I have no knowledge of this account, this could potentially involve identity theft. TransUnion failed to properly investigate or take corrective action under this provision.

5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of this inaccurate information, despite my formal dispute, suggests willful non-compliance, exposing the responsible parties to potential legal liability.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, experian In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : 1. Experian : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX 2. XXXX : Account : XXXX DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX 3. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX 5 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 6 XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX and experian have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Equifax, Experian, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information.

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving XXXX, XXXX and experian a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging XXXX, XXXX and experian a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Respectfully, Experian, XXXX  and XXXX  hasn't deleted all the unauthorized hard pull inquiries on my credit report. 
I only authorize XXXX purchase in XXXX, California and XXXX XXXX  for apartment rental in California on XXXX XXXXhis two companies has written authorization in writing. 
I filed many disputes and complaints on unauthorize inquiries and requested evidence of my written authorization and all companies and Experian, XXXX and XXXX  wasn't able to provide me evidence or to Federal Government. 
So by Federal Law all unauthorize inquiries must be deleted from my credit file and data credit report. 
I am filing a Retaliation and Discrimination complaints with XXXX Department of Justice. I am respectfully Lifetime XXXX Citizen, Retired and a US XXXX XXXX Military Veteran. 
Experian, XXXX and XXXX needs to add on my credit report. 
My place of employment was XXXX XXXX XXXXXXXX .Retired on Lifetime XXXX on XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California.XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear TransUnion, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. Upon reviewing my credit report, I noticed that you have added an address without my explicit consent, and my new auto loan is being reported without proper authorization.

I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices.

2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately.

3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act.

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. 

I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.