23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector Caine and Weiner sent threatening correspondence in reference to a debt that I do not owe. I have no knowledge of this debt. As well, this collection agency is not licensed to collect debt in the state of Illinois. Which is a gross violation of my consumer rights. 

As per : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 

Per the XXXX XXXX access database and XXXX XXXX XXXX  Caine and Weiner is not licensed in Illinois. This is a gross violation of my consumer rights. I want this account blocked from my credit report. This has the potential to hinder my ability to obtain credit and lease/mortgage
Product: Credit reporting or other personal consumer reports

I had XXXX accounts with XXXX XXXX XXXX  XXXX, A they were deleted due to a bunch of fraudulent charges experienced in 2021 with a caregiver. Account numbers # XXXX for {$950.00} and # XXXX for {$1000.00} these are also the same accounts that credit XXXX deleted that XXXX XXXX are calling Reference # XXXX is the same account from credit XXXX ending in # XXXX for {$1000.00} and another account that XXXX funding has Reference # XXXX which is the same account ending in # XXXX is the same account as {$950.00}. These are killing my credit score I have another fraud account from some lender company i have never signed a bond they said a former rental company had me to sign it with them i never had any knowledge of them nor did I sign any bond agreements with XXXX XXXX XXXX  the rental company I experienced fraud with them as well they have made up a lot of fake bills and other recourse I'm working on settling that on my credit as well due to their leasing agents.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my student loan accounts on my Equifax credit report. Recently, I noticed that XXXX of my student loan accounts were erroneously changed from " open '' to " indeterminate, '' resulting in a drastic drop of over XXXX points in my credit score. This information is incorrect and has had a significant negative impact on my credit rating. XXXX and XXXX continue to report these accounts as open, which is accurate. Therefore, I am perplexed and concerned as to why Equifax is furnishing inaccurate information. This discrepancy constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I sent a dispute letter last month which I will attach that is dated and time stamped for your reference. As of date, Equifax has failed to explain why they changed my accounts from open to indeterminate and they have also failed to change the account back to open. Enclosed with this complaint is the true bill documenting the violation of the aforementioned accounts. I request that Equifax immediately update the status of these accounts to " open '' to reflect the correct information. I am also filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges also did not authorized these inquiry requests mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding Inaccurate Hard Inquiry on TransUnion Credit Report Dear CFPB, I am writing to file a complaint against TransUnion regarding an inaccurate hard inquiry on my credit report. 
I obtained a copy of my TransUnion credit report and identified a hard inquiry This inquiry is associated with an account that was subsequently deleted by TransUnion. 
I contacted to inquire about the hard inquiry and they confirmed that the account was deleted because they were unable to locate me and I did not meet their eligibility requirements. However, TransUnion has not removed the hard inquiry from my credit report despite the account being deleted and the creditor acknowledging no fault on my part. 
I have contacted TransUnion on and submitted documentation from verifying the account deletion and their confirmation that I am not responsible for the closure. However, TransUnion has not responded to my request for removal of the hard inquiry. 
This inaccurate information is negatively impacting my credit score and making it difficult for me to obtain credit. 
I request that the CFPB investigate this matter and instruct TransUnion to remove the inaccurate hard inquiry from my credit report. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX
Product: Credit card

NETCREDIT made false statements to the CFPB on this day of XXXX, Saturday.
Product: Checking or savings account

On XX/XX/2023, I opened new Key Select Checking and Saving Accounts with Key Bank. Banker applied bonus codes for both Checking and Saving Accounts. After several days, I was contacted by the banker that they applied the wrong bonus code for Checking Account and they closed and opened a new Checking Account with the correct bonus code applied. 

They confirmed via email that I should get new account bonus for both Checking and Saving Accounts. 

Recently, when I contacted Key Bank to ask about new account bonus ( {$300.00} ) for Saving Account, they just found excuse to not give me new account bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX  XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of XXXX XXXX XXXX XXXX added a file to my credit report. So I initially disputed it in XX/XX/2017as  fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. I recently discovered that this company is not bonded in the state of Georgia to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not registered with the Georgia Secretary of State. This company is not even in Georgia 's database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX flagged my Experian credit report as a serious delinquency as a Charge-off when I am current paid as agreed never late. I barely use this credit card and make all payments monthly as agreed. Why is this company reporting a serious charge-off over 120 days to my Experian report when I make all payments as agreed? This is an FCRA violation and needs to be investigated. More importantly, I am unable to dispute this status with Experian because I am not late and account is paid as agreed at the same time of serious delquency 120 day charge off flagging so dispute process will not allow it.
Product: Credit card

Discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Sent notice to Navy Federal to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I, the consumer was not given an explanation of how I can exercise that nondisclosure option. Nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to to delete the following account and inquiries based on ID theft FCRA 605B and I sent a copy of an identity theft report, police report, and letter personal statement about the follow inquires and someone utilizing my social security number to pull my credit score/ credit report. Police reports report ID, social security card and health insurance card and credit cards were stolen. I mailed these items in XX/XX/XXXX and have no letter acknowledging they have deleted the items. 

The follow accounts and inquires request to be deleted based of FCRA 605 B are : XXXX. XXXX XXXX XXXX XXXX  account number : XXXX XXXX. XXXX XXXX  account number XXXX XXXX. XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX
Product: Credit card

I was ready to take my flight from XXXX to XXXX XXXX, when all of sudden the flight was delayed, causing a cascade of missed flights and extra flights. Thus, I filed a dispute with my bank because an EU law regarding flight delays ( attached ) was broken. Bank of America did not ask me for any documentation and proceeded to side with the merchant without any explanation. I tried calling customer support. I was rerouted around to XXXX people and a fax noise... I am a loyal customer who has never seen such egregiously terrible treatment from Bank of America ever. I expect my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on the following accounts. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Please delete these accounts : ( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau 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 or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} ; US DEPT ED XXXX {$7600.00} ; US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1400.00} ; XXXX XXXX XXXX Balance : {$22000.00}.
Product: Debt collection

I am a victim of identity thief, my information was leaked on equifax breach and the dark web, since then i have multiple inquiries for auto loans ( over 20 ) and two strange debts that i have no connection too 1 XXXX XXXX  2 XXXX
Product: Mortgage

Penny Mac had a website with an invalid security certificate, exposing customer social security numbers to theft, fraud, phishing, and interception every time they log in. They ignore complaints and refuse to update their website security and are recklessly exposing customers to identify theft. I want them prosecuted or sued for malfeasance and gross negligence leading to violations of consumer privacy.
Product: Bank account or service

We had recently discovered we were losing {$5.00} per month with from an unexplained, and undisclosed new fee that arrived without warning or notice. After further investigation, we then discovered that we have been billed $ XXXX monthly for a " fee for less than XXXX bill pays ''. This has apparently going back at least a year from XX/XX/XXXX, and possibly longer, likely beginning around the time we moved to a different city in XX/XX/XXXX. Yes, that 's a a fee for LESS bill pays. In summary, we were billed at least 12 times for a service, for an amount that exceeds the actual value of the service, for using the service LESS than an arbitrary amount of times.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX 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, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX, I went to XXXX XXXX to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a XXXX XXXX late payment from XX/XX/XXXX. I had XXXX open accounts with XXXX XXXX, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, XXXX XXXX has violated the Fair Credit Reporting Act, and now the XXXX XXXX XXXX have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for the account ( XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately! 

I have asked for re-investigation of this account but you failed to do so after I pointed out all the inaccuracies with this account. I will be taking legal action per violation due to not doing a thorough investigation. This account has been deleted from my XXXX report due to not being properly verified. I demand this account be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of my apartment due to a military move, but I will still being charged for rent due to my inability to, physically return key, notified property manager, and was told that I would not be charged beyond my move out date. Later found out on report that they had attempted to collect the debt and had sold it to a third-party who is now stating I owe this, but I told them that I moved out of the apartment under the XXXX XXXX XXXX XXXXXXXX did not have to pay anything for early termination. Fax multiple request to verify collection agency would not provide debt verification to me.
Product: Credit card or prepaid card

Second complaint to the CFPB about this issue : 1. I was thrown out of a hotel in XXXX in late XX/XX/2018 after I had a XXXX XXXX due to XXXX. 

2. I booked the hotel in the spring of XX/XX/2018, and had a {$100.00} coupon applied retroactively to the cost of the hotel - which is the XX/XX/2018 {$100.00} credit on my AmEx account. This {$100.00} credit is NOT a refund for dissatisfaction from the XX/XX/2018 incident that occurred at the hotel, per AmEx 's most recent response. 

3. I've filed this dispute several times, each time providing lengthy and detailed information and documentation of the charges, refunds, what occurred at the hotel. and each time I've been told by AmEx customer service representatives that what occurred at the hotel was not right, I should not have been thrown out, that the information I provided would be reviewed in detail and a response would be needed from the merchant beyond receipt and booking information. However, each time the dispute has been closed by AmEx, they provide me the same receipt and booking information from XXXX, and even provided me information from the hotel that stated I assaulted someone with a hotel key card - which I did not and I don't know how you'd assault anyone with a hotel room key card. 

4. I'm done going around and around with AmEx and explaining in great detail what occurred, to only have my disputes closed with incorrect information and receipts from the merchant. Yes, I booked the hotel room. Yes, I received a {$100.00} credit for a coupon. Yes, the charge amount I'm seeking off my account is {$170.00} not {$270.00}. However, I was thrown out of the hotel before XXXX  due to an XXXX XXXX and I am not paying for the hotel room charge as I was not able to use the service I paid for - which is a night stay in a hotel. 

5. AmEx simply 'went through the motions ' on their last response. They provided no detail and only outlined what occured with the past disputes in their last response to the CFPB. I'm done with the non-sense.