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

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have noticed i have has alot of inquiry on my credit reports for XXXX XXXXXXXX, transunion, that i have not authorize any of these companies to obtain a copy of my report. here are the companies and dates they pulled my credit. this is on my XXXX credit report .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here is what i noticed on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i did not authorize these companies to run my credit at all and definitely not multiple times.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a XXXXXXXX XXXX Store Card. I'm unsure of the issuing bank, I believe it may have been Citi. 

I had never been late on a payment and used this card periodically. Well, my account was recently closed due to inactivity. I called the customer service line and spoke with a supervisor on XX/XX/XXXX. The Customer Service Supervisor said that it was closed because I hadn't used the card since XXXX. 

I understand if the issuing bank has certain terms for closing the card, however I was never notified prior to them closing my account. Apparently, this was in their terms and conditions that they may close an account due to inactivity without prior notice. Well, at least according to the person I spoke to. 

As a consumer, I feel like this is an unfair practice because my credit score has decreased a bit as a result. You see, this was one of my oldest accounts ( over 7 1/2 years ) and by closing this account it affected my " average age of open accounts. '' Yes, this isn't a high impact factor, but nevertheless it is still a factor in which I feel is not fair to the consumer. I shouldn't have a card closed just because I have not used it in a few years. I kept it open to establish a better credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I started working with the department of XXXX in the resolution & forgiveness program & all the student loans were out of default status & removed on XXXX & XXXX but not on Equifax & the I talked to the Dept of XXXX & they said they reported for the XXXX old loans to be removed & if they dont in a month to do a dispute with Equifax XXXX So I did a dispute for the XXXX loans & my credit went down XXXX points & then the accts. were removed & then my score went back up & then a week later my score went down again & went down XXXX points!! I went from having a XXXX on fico scoring system to XXXX!! & XXXX to XXXX on vantage XXXX system. All from doing a dispute, before the dispute my credit was good, why would doing this dispute lower my score so much the company on my report for these loans reported it back accurate, its the same info before the dispute so why if they claim its accurate even though its NOT why would this make my score go down tremendously!! It is messing me up from buying a home, I have work tooooo long & hard to fix my credit for Equifax to report inaccurate info. I talked again to the dept of XXXX & they said they will send another request to remove the XXXX accounts. XXXX Of XXXX. acct. XXXX {$11000.00} DEpt of XXXX XXXX {$11000.00} XXXX of XXXX. XXXX {$5800.00} XXXX of XXXX XXXX {$3200.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX If you call this that is being reporting on these accounts it isn't even the dept of Education, a rep. I talked to about this called & she confirmed this is not us, not only is Equifax reporting false info on my report but the company is NOT even a part of the department of education. I dont know who this company is but they are reporting false info & The real dept of education has already notified Equifax to remove these 4 accounts!! Equifax should truly investigate properly & stop putting info on my report that is suppose to be closed & removed!! I appreciate if they correct the manner asap!! THANK YOU!
Product: Credit reporting

Good afternoon- I have requested on seven occasions now that Equifax remove inaccurate information from my account regarding XXXX . XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Exquifax refuses to conduct a proper dispute. Letter is attached from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$190.00} Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against TransuinoXXXX XXXX, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Product: Credit card or prepaid card

Online purchase in XX/XX/2018 for Product : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) In the amount of Total : {$100.00} Have never received item ordered!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Equifax Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Equifax any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote Equifax and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with a letter saying the public record item Equifax  obtained through the federal courts and third-party vendor XXXX and kept the Bankruptcy on my credit report. 

Attached is a letter from a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor t

he U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Also attached is section page 8 fr
om my XXXX  Consumer report in which under section 6 they have no Bankruptcy listed under my consumer file. Equifax is violating my rights Under the FCRA [ 15 U.S.C. 1681 ( B ) ] Also attached is Equifax response to there Reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Simons collection agency in XXXX  of 2021 to pay off a pass due account in the amount of {$180.00}. The woman helped me and the account was paid off over the phone via debit card. I asked prior to giving my debit card information and was assured this would be removed within 2 weeks. I proceeded and made payment in full. However even though the woman assured me it would be removed within 2 weeks, its been 10 months and it has not been removed. I keep calling and am put on hold or hung up on. I dont know what else can be done. 

Collection Agency : SIMONS AGENCY INC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card

On XX/XX/2023 I was approved for a credit card from Citibank which had a teaser promotion of 0 % interest for 21 months. At the time of application, I initiated said transfer with a balance I had at XXXX in the maximum amount of the credit given by Citibank of {$17000.00}. During this process, it appeared all was going well, account page indicated transfer was being processed and card was received in mail and activated. 

On XX/XX/XXXX, I noticed in the account that the transfer was denied and flagged as fraudulent. No contact from Citibank was made ( or at least that I received ) that there was a problem with the account and said balance transfer. 

On XX/XX/XXXX, a call was made to customer service. XXXX agents in addition to XXXX supervisor out of the XXXX XXXX had in fact stated my account was suspended and the transfer was cancelled. However, XXXX said that since " they verified my identity, I could move forward with the transfer ''. He indicated that I would have to initiate once again and they could not on their side. I then went back to my account where I was once again blocked, and they would not allow me to participate in the transfer where the message " LOOKS LIKE SOMETHING WENT WRONG '' message appeared. 
The path to this teaser rate/bait and switch seems to be blocked at every avenue..Was the balance transfer amount too high? Does Citibank use this as a " teaser '' to lock unsuspecting consumers? Questions that I would like answered..
Product: Debt collection

the two items are from same debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Orginal Creditor : XXXX XXXX amount {$3900.00} date open : XX/XX/XXXX, XXXX Orginal Creditor : XXXX {$5600.00} date open : XX/XX/year> I had submitted this was Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Debt collection

XXXX bank is reporting on my credit report I do not or did not have a XXXX credit card or credit card with any company associated with them. I researched it and they state they are reporting due to XXXX but that is not accurate. I request they delete the collections from Midland and ask that they delete any negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had phone service through XXXX and I changed phone carriers to XXXX-XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX   XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX  took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and Experian.
Product: Mortgage

On multiple occasions, emails and phone calls were placed re the modification review. No regard or courtesy acknowledgment was received regarding the status update. The medication review was denied. 
XX/XX/XXXX2015 : Faxed the Modification Package XXXX. Confirmation of receipt of XXXX pages was emailed XXXXXX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/XXXX2015 : Emailed XXXX requesting confirmation of receipt and status update of the modification review. No ResponseXX/XX/XXXX : Faxed the Modification Package to Selene Finance XXXX. Confirmation of receipt below : XX/XX/XXXX2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully Sent XX/XX/2015 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/2015 : Left voice message ( XXXX XXXX XXXX regarding the modification review. No follow up call returnedXX/XX/2015 : Left voice message XXXX requesting update on the modification review. No follow up call returned. 
XXXX/XXXX/2015 : Emailed XXXX XXXX requesting update on the modification review. No response returned. 
XXXX : Spoke XXXX, he stated he has n't heard from your client, he will follow up with them and get back to me. Sent a follow up email XXXXXX/XX/2015 : Sent email XXXX notifying them of the numerous calls and emails sent to their attention. Not one courtesy email or call was returned. 
XXXX/XXXX/2015 : Received modification denial letter advising case was closed out due to no or lack of documentsAt one point, during the modification review, your firm was under the impression that our client, XXXX was applying for a short sale! Please explain. 
XXXX/XXXX/2015 : Spoke XXXX- discussed the lack of communication and empathy during the course of the modification review. Per XXXX request, I emailed the denial letter for his review. Currently waiting for update ... 
XXXX/XXXX/2015 : Sent an email XXXX re the concerns of the denial letter. Requested status updateXX/XX/2015 : Faxed Appeal letter to XXXX. Emailed the appeal letter XXXX. 
XX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX Successfully SentXX/XX/2105 : XXXX confirmed receipt of the attached appeal letterXX/XX/2015 : XXXX XXXX emailed the same denial letter in question. No update on the modification review.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention concerns regarding the handling of accounts with write-offs and to request clarification on the relevant codes and statutes governing these practices.

Relevant Statutes and Regulations Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c, accounts that have been charged off must be reported accurately. Information reported must be complete and accurate to avoid misrepresentation on consumers ' credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : According to 15 U.S.C. 1692e, it is unlawful for debt collectors to use false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of accounts that have been written off.

Consumer Financial Protection Act : The CFPB is empowered to enforce regulations that protect consumers from unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ).

Treatment of Write-Offs as Income It is important to note that a write-off is often considered cancellation of debt and may be treated as income for tax purposes under the Internal Revenue Code. Specifically, according to IRS guidelines, if a creditor cancels or forgives a debt, the amount canceled is generally considered taxable income ( 26 U.S.C. 61 ). This has significant implications for consumers, as they may face unexpected tax liabilities resulting from debts that have been written off.

Potential Fines for Non-Compliance Failure to adhere to these regulations can result in significant penalties, including : Fines under the FCRA for inaccurate reporting can reach up to {$1000.00} per violation.

Under the FDCPA, violations can result in statutory damages of up to {$1000.00} per action, along with potential additional damages for actual losses incurred.

Request for Clarification I would appreciate clarification on the enforcement of these regulations, particularly regarding the responsibilities of creditors and debt collectors in accurately reporting accounts with write-offs. Additionally, any information on consumer rights related to disputing these inaccuracies would be beneficial.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I spoke with the original owner of the debt twice and DataMax twice regarding the discrepancies with my healthcare bill details and my request for proof of debt/validation from XXXX of 2023. My request for an itemized invoice for cost breakdown were denied. My request for assistance with payment options and/or reduced fees due to low income were denied. Nothing was emailed/faxed/mailed after this request, in XX/XX/2023, despite multiple attempts and assertion of my correct address and contact details. DataMax did not return my most recent voicemail from XX/XX/2023. I spoke with XXXX from DataMax on XXXX, and was told there is no record of my requests. I was told I dont have any recourse regarding my credit report now that the bill has been reported, only to pay the bill. After contacting XXXX XXXX XXXX, they stated my only recourse was written appeal request. When asked why this was appearing on my credit report against the Fair Credit Reporting Act, XXXX XXXX XXXX stated they had never heard of this law. Now the debt has appeared on my credit report, dropping it by XXXX points, as my first and only collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed in my report is unauthorized .I requested that they investigate this and analyze my files by sending letters to all Equifax credit bureau XXXX The reality that this inquiry continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the XXXX XXXXXX/XX/2022 inquiry.
Product: Credit reporting or other personal consumer reports

XXXX 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.

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 card or prepaid card

Person call spouse phone first then my cell. Said I was being suited for unpaid account on a XXXX XXXX XXXX. But suit goes back to XXXX. I have currently XXXX and my spouse Id financed thru XXXX. I call capital one which they said was the suit for and said BOTH MY ACCOUNTS ARE INGOOD STANDING AND PHONE CALL DID NOT COME FROM THEM. The numbers that were given to me were : Phone. XXXX on acct # XXXX court case file # XXXX. This is XXXX and Hope you can stop this.
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 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 ) ( 1 ) A Person shall not any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.