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

A balance increase on one of my cards by XXXX, and Transunion decreases my score 33 points?? 
I've never seen such a thing, they do not mention that I have paid off 3 credit cards, so my score should be the highest being that I just paid over XXXX down This is unfair practice and makes absolutely no sense! 
XXXX  sees an increase of XXXX and shows a decrease of 2 points, and also does not show my payments of over XXXX being made. 
The 33 points for a XXXX increase is not fair or correct. How are people supposed to live with this constant scoring errors?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not blocking my information on a collection and inquiries that were fraudulently opened under my name. This will be my last complaint before my legal counsel initiates a lawsuit.
Product: Credit card or prepaid card

I received a letter that said I would receive a {$75.00} credit if I spent {$500.00}. Now they are saying its only a {$50.00} credit and won't honor the {$75.00} without me having to give them the letter they sent me. They also said they won't post the credit to my account for 60 days so they can charge extra interest.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed Experian are reporting the incorrect balances for my accounts. Because XXXX and XXXX are reporting something different, this means the account has not been properly verified. Please delete this immediately. 
XXXX XXXX XXXX XXXX  balance is {$150.00}. XXXX XXXX XXXXXXXX balance is {$78.00}. My other XXXX XXXX is XXXX. XXXX XXXX {$450.00}. My XXXX  XXXX balance is {$48.00}. My XXXX  is {$140.00}. My XXXX  is {$100.00}. My XXXX XXXX is XXXX. My XXXX XXXX balance is {$190.00}
Product: Checking or savings account

I had an account with Bank of America and it was charged off last year ..... I filed bankruptcy and it was discharged on last year .... so internal revenue sent me a refund and it ended up in my closed account back in XX/XX/2023 ... .. Bank of America was sending me Bank statement about the funds so I reached out to them and I'm getting the run around about why they can't release my income tax that are sitting in a closed account ..... This account been closed since last year ... ... Can someone help me with this issue please ...... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX Last reported XX/XX/2022 {$910.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$540.00} Open balance
Product: Credit card or prepaid card

I own a discover card and was going through a financial hardship and missed a payment of XXXX on one month
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings account. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses of many, breaching the Consumer Financial Protection Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Debt collection

I check my credit report periodically. I noticed that on XXXX, XXXX XXXX and XXXX there was a collection account from a company named Collection Bureau of Hudson Valley. The original creditor of the account is XXXX. the address of this company is XXXX XXXX XXXX XXXX XXXX, NY XXXX and the phone number XXXX XXXX XXXX The partial account number is XXXX and the address identification number is XXXX in the amount of {$320.00} In 2016, I was homeless and sought refuge in a rooming house with others. Because of my hardship I lived very primitive. On several occasions my room would be ransacked and obviously entered without my knowledge. Therefore, many valuables were stolen. 

Early this year I began to get harassing phone calls from the aforementioned company informing me of a debt that I had NO KNOWLEDGE of. When I learned of this being a cable bill, I quickly informed them that this was not my bill and I have n't had XXXX as a cable company ever. I only had XXXX XXXX  which is their rival company. 

I have repeatedly asked to speak to a supervisor and asked for written documentation with my signature and picture of license as this is a requirement when receiving utility services in the state of New Jersey and the company Collections Bureau of Hudson Valley has failed to do so.
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 {$0.00}. 
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 ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX JPMCB Card services To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
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 XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 602 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I checked my credit report and Rent Recovery Solutions Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. 

Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They run my credit report to many rime and Im authorized that
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report 1 of XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to remove the information on credit reports!! if not ill sue!
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX, NA # 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I called Upgrade to remove the automatic draft from my personal checking account for the loan/credit card that I have with them. I told them that they were not authorized to transact ACH payments from my XXXX XXXX XXXX XXXX account. I called the customer service line and spoke with a representative who stated that he would remove the automatic draft from my account. I spoke with the individual on XX/XX/XXXX. On XX/XX/XXXX, an ACH draft was taken out of my account in the amount of XXXX. I called the customer service line and spoke with a representative asking them to refund the amount, as I had not authorized them to draft any further payments from that account when I called in on XX/XX/XXXX. I explained that I was closing my checking account to open an account with another institution, and that I needed to have the funds replaced. The representative admitted that it was their fault that the XXXX was drafted out of the account, as I had called in enough time that the draft should not have gone through. The representative stated that he would issue a refund to my XXXX XXXX XXXX XXXX Account. I have not received a credit as of today, XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Product: Debt collection

whatever company this is has been calling my cell phone repeatedly since XX/XX/XXXX since XXXX/XXXX   XXXX, they constantly call, pretend to leave a voice mail ( with no message ) and continue to argue with me that I am a person called " XXXX or XXXX '' so I assume this may be a debt collector. I have repeatedly called them numerious times and told them I am not XXXX or XXXX and to take me off their callling list. They continue to call me numerious times a day and when I call back they put me on hold or hang up on me and when I ask to speak to a supervisor they put me on hold for a long time, hang up on me or argue with me. I am ready to pull my hair out. In the last two weeks I have had at least 30 to 40 calls and when I finally get someone to answer my call and demand that they take me off their list to call they say that I need to wait 24 or 48 hours and to " give them a chance '' which is the same story they have been giving me for 2 months now. I can not believe that a company can be so RUDE and abusive!
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX account reported on my TransUnion that is not reported on any other Bureau and XXXX XXXX has no information on this account as well. Transunion refuses to provide the full account number. 

I requested it to be investigated, they responsed each time that the account was verified. 

That's not possible. It is the only account with Adverse Information in the credit report attached. XXXX  XXXX XXXXXXXX XXXX XXXX has no record of these late payments account.
Product: Checking or savings account

XX/XX/XXXX : Received American Express email to my email account offering {$350.00} bonus on a new HYSA ( body of email mentioned my husband 's name ). 

Called AMEX on XX/XX/XXXX to ask if I could open an account in my name and receive the same bonus. Was told " yes '', so opened an account. 
Wording on the email included this language : " Offer available to email recipients who dont have an existing American Express Savings account. 
Funds must be deposited by XX/XX/XXXX and held through XX/XX/XXXX. '' Bonus was payable after XX/XX/XXXX. I called AMEX on XX/XX/XXXX to ask why I didn't receive bonus. They said they'd open a ticket. 

On XX/XX/XXXX, Customer Service said they'd submit a Research Request '' requesting the bonus. 

On XX/XX/XXXX ; Supervisor called to say I didn't qualify, only my husband would have. When I explained that I had asked that question when opening the account and was assured I was eligible, she said AMEX sends out XXXX of emails and couldn't know who would be eligible. 

XX/XX/XXXX : Left another request for a supervisor call back. No response to date.
Product: Credit reporting or other personal consumer reports

This account on my credit report is furnishing inaccurate information. The address they are reporting does not belong to me.
Product: Credit reporting or other personal consumer reports

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

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

The people who operate mariner Finance company are putting additional funds onto an account that has been placed with an attorney and the attorney has filed a lawsuit against myself and my girlfriend and they closed the account.. 2 1 months later, they are still sending bad reports to XXXX and additional fees are being added, and they have been informed that the account is part of a bankruptcy proceeding by my girlfriend for the entire amount of money owed, but, they are continuing to harass me by sending you reports that cause my credit score to fall as of XX/XX/2019, they have no reason to do so other than for the personal persecution of myself and my credit. I want this to stop and feel that my credit score should be reevaluated and adjusted to get back the points that have been taken by their actions.
Product: Debt collection

At the start of XXXX, I canceled my account with XXXX. On XX/XX/XXXX I was charged by XXXX and was not sure why. I contacted XXXX via chat on the XXXX and asked why. They informed me that it was the final bill. I asked the rep if that would be the final payment and he said yes. On XX/XX/XXXX I received a letter of owing money. I was confused due to the conversation I had in XXXX. XX/XX/XXXX I called XXXX. I talked to a representative and she said she could not find my account and it had been closed. I did not owe the company anything. I could ignore the letters. So XXXX, I did so. And did not receive any other letters after that. I was never informed that a bill was sent to collections. And was never contacted by the collections office. I went to apply for a loan and was shocked to find out my credit had taken a hit in XXXX due to this bill XXXX told me I did not owe in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EQUIFAX REPORT HAS NOT BEEN UPDATED SINCE XX/XX/2022! For the following companies : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to them on several occasions about this issue and have not received anything back in the mail from them at all. 
I spoke to someone over the phone for a forgiveness for XXXX XXXX XXXX  because I was faced with financial hardship and could not make my 4 of my payments on time and they informed me they would remove those two late payments and they failed to do so!
Product: Payday loan, title loan, or personal loan

Wilshire Consumer credit loaned me {$6000.00} on a title loan. I've paid {$3000.00} and still owe more than the original loan after 7 month 's of payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax flagged my account with " 039-Serious Delinquency '', when I do not have any accounts late and never had. Credit Report from XXXX shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.
Product: Credit card

I tried to contact the company and say that someone stole my identity but nothing was done
Product: Debt collection

This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I still receive payment notifications. Why? I have been asked to pay the unauthorized charges along with the late fee/interest charges that were added to the unauthorized transactions. I wonder what is it for when all the payments have been made. Please help me with : Amex XXXX named under XXXX XXXX. Please help me in terms of removing these unauthorized charges and closing both the Amex card permanently. Thank you