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

Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon possible. 

XXXX  Has my payment status as late 60 days b it does not list a payment history to display this. XXXX has paid on time each month with no late payments. This is not 100 percent reporting. Very confusing to a lender. 

The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 
Sincerely, your signature XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been communicating with Experian for years, informing them of inaccurate information being reported on my consumer credit report. However, they have not been fair in reporting accurate information on my consumer report. Inaccurate personal information and accounts have been reported for years on my consumer credit report, as well as inquires that I did not initiate or authorize.
Product: Debt collection

I was given a collection debt notification on my XXXX XXXX account. When I checked the details of said account it stated it was opened in XX/XX/XXXX ( which is interesting because at this time I was leaving peace corps in XXXX and Beginning to enter XXXX XXXX  in XXXX, so I dont I believe I was even in the states at the time of the account opening. ) with that being said, I know for a fact I didnt allow my credit card to used by anyone in XX/XX/XXXX, as I didnt even have a credit card opened until XXXX. I can provide proof of this all. When I called the collector company today on XX/XX/XXXX to discuss their proof, they stated to hold on then hung up on me. I tried calling back to no avail. I have XXXX  the XXXX in question and everything on XXXX reviews stated this company being a scam that fraudulently takes money from any account that lets them slide by. Please rectify this injustice. They have had continuous complaints on the XXXX  website and are continually oppressing those they believe dont have the knowledge or power to do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXXXXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

There was money added and fees that where never authorized and then fees and withdrawls not authors and then denied access to funds after applied and then account closed and a new card issued without authorization or my funds
Product: Credit card

In the month of XXXX I was unable to make the minimum payment on my credit card and spoke with a capitol one representative who said I would be charged a late fee and would be granted some extra days. When XXXX came the promise was not upheld and I received a late fee. I called capitol one when this happened and expressed my concerns. The representative apologized and helped me by putting me in the suppression program until I was able to pay the balance of my card. She said this would keep my card in good standings until it was fully paid off. On Saturday XX/XX/XXXX I got a message stating that I had a closed account. I called capitol one and was told my account has been closed. There is no valid reason why my account has been closed. My last minimum payment was not more that 180 days ago and I was promised this wouldn't happen with me being enrolled in the program I was enrolled in.
Product: Payday loan, title loan, or personal loan

XXXX claims their sole purpose is to reduce or mitigate overdraft fees. Upon complaints from other individuals they have successfully reached out to several in regards to having overdrafted them when funds were not in a positive balance. This clearly goes against what this company stand for as far as their business motto goes. By offering consumers a pay day loan and continually reducing the amount a consumer can receive back also shows they do not care about their consumers and only further the benefit of even having the payday loan. They further hurt the consumer without regard to their financial wellbeing. I suspect I am not the only one who feels this way. I suspect more are suffering financial abuse by XXXX. 

XX/XX/XXXX : XXXX debited XXXX from bank account. Credit issued of XXXX XX/XX/XXXX : Advised unable to pay loan due to having XXXX XXXX off and the amount will end up with overdraft fees. They rescheduled payment to XX/XX/XXXX. 

XX/XX/XXXX : Account in negative standing after payday XX/XX/XXXX. XXXX in bank. XXXX took XXXX. Unable to retrieve funds back until account is XXXX. Reduced pay out amount. Reduced from XXXX to XXXX. Account will receive overdraft upon finalization of pending transaction. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX  XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America continues to fund fossil fuel growth. Fossil fuels are the number one cause of climate change. Climate change is raising our oceans, killing biodiversity, and threatening our food security. 

Between XXXX and XXXX, Bank of America provided {$230.00} billion in lending and underwriting to the fossil fuel industry, fourth among global banks. Over that period, the banks top fossil client was XXXX XXXX, with {$15.00} billion in lending and underwriting provided ; XXXX was also Bank of Americas top fossil client in XXXX, with {$1.00} billion in financing. XXXX is the # 4 upstream oil and gas expansion company in the world. 

The science is clear that achieving net-zero financed emissions by XXXX means stopping funding for the expansion of fossil fuels. Reducing emissions intensity while increasing financing for the fossil fuel industry and overall financed emissions is utterly insufficient to achieve that target and contribute to a climate-stable future. Investors are growing increasingly frustrated with the gap between the pledges Bank of America and its peers are making and the reality of their plans. This shareholder season, they will be holding them accountable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX history of climate leadership and then unveils XXXX emissions targets which are intensity-only, fully compatible with increases in absolute emissions and massive expansion of fossil fuels, especially expanded extraction of fossil gas, said Rainforest Action Network Senior Climate and XXXX XXXX XXXX XXXX XXXX. Bank of Americas intensity-only targets, which lag well behind XXXX and XXXX best practice, put it firmly on the side of climate delay, when time is quickly running out to cut absolute emissions in half by XXXX. 

Enough greenwashing from Bank of America. There is no more time for lip-service. We must end the use of fossil fuels as quickly as possible and Bank of America must do its part by divesting from all fossil fuel projects.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Please be advised that my Bank Operations investigator wants to know how Robinhood plans to proceed with restoring my stolen funds? I was on the phone a whole 3hrs with a guy named XXXX in your XXXX & XXXX XXXX  & was given access to my account after receiving all my Documentation. Your overshoot XXXX  international employees are complete vagabonds & like to obstruct & harass private class citizens & Celebritys. Im done letting your withold access to my mobile app & blocking my access to phone/chat support. I am an American ADA customer & need IP Relay & phone support. These contact phone numbers you call us from are not registered for incoming calls. & my account # XXXX are not registering for automated calls. You will not steal my money & let your immigrant vagabonds employee obstruct the order & Compliance of my account. You allowed somebody internally deactivate my accounts today knowing you owe money for my stolen crypto. 
U need to have your CEO know that's this is not acceptable & Im going to be asking over & over to get my phone access back & to stop letting your snake twisted employees invade my consumer privacy. I need American phone support I do not want you internationally violating my consumer privacy. I need my money transferred back to XXXX or on my Spending Account. I will have submit a charge back to XXXX if XXXX doesn't Cooperate. It Seems like on these calls your Overseas reps are confused & obstructing the process & progress they told me tonite that a manager was calling me back than put me on hold lied & said 1 to 3 days. XXXX should have your Speciality team contact me themselves so They can provide the process of retracting & getting back the funds. I think we should keep my account reps within the USA to avoid these Cultural Diversity delays. If you listen to the calls the agents are contradictory & elusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights, XXXX XXXX XXXX ACCT. # XXXX, XXXXXXXX XXXX XXXX acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXXXXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXXacct. # XXXX my nights.

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 acodunt without my written instructions
Product: Credit reporting or other personal consumer reports

Unbelievable but yes there still working on the issue the same is thars been from XX/XX/ till now which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on an old collection claim with XXXX XXXX. I have not received any response.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against HARRIS & HARRIS XXXX for falsely reporting my account as delinquent and sending it to collections despite my continued payments. I discontinued my service with XFINITY but continued to pay my balance. Despite this, my account was wrongfully sent to collections, which has now negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681s-2 ], a company can not report inaccurate information to credit bureaus. XXXX has failed to properly update my account status, violating my consumer rights. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S. Code 1692e ], misrepresenting a debt status is illegal. I formally request the CFPB to take action against XXXX and require them to : 1. Remove the incorrect collections report from my credit file immediately. 2. Provide a written statement correcting the error. 3. Ensure this issue is resolved and prevent further inaccurate reporting. I have attached proof of my payments and account status. Failure to correct this may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 

TO WHOM IT MAY CONCERN : I am filing a complaint beside FCRA, fair credit and billing act but also HIPPA violation for 3rd party collection calling and asking questions about my medical conditions. I have no knowledge of these following accounts that appears on my credit report. Im exercising my right under the Fair Credit Reporting Act to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : XXXX XXXX XXXX XXXX acct # XXXX Original creditorXXXX XXXX XXXX Balance {$790.00} I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. 
Sincerely,
Product: Vehicle loan or lease

I bought this a XXXX XXXX XXXX on XXXX, XXXX XXXX and pay until covid 19 begin, we can't pay the debt anymore and they get the car back. They sell the car but we still have a {$12.00} XXXX to pay.
Product: Debt collection

They continue to call my work and leaving messages, they are calling family members and harassing they claim I put my work number and reference I do not have done any and the representative was very rude and was yelling at me over the phone and told she will continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Incorrect Name - XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect DOB - XXXX  - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The personal data reporting is inaccurate My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only date of birth is XX/XX/year>XXXX  My only employer is NONE AT THE MOMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight capital LLC reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Product: Credit reporting or other personal consumer reports

These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( Experian and XXXX ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.
Product: Credit card

citi bank XXXX card I ask for a credit limit increase which they did increase from XXXX to XXXX a week later they said they needed more info from me which i did supply. they told me my card would be inactive for XXXX hours while my info was updated. after XXXX hours i called and they told me my card was closed and all the points on the card would not be able to receive. over {$1200.00} worth gone. they had no reason for closing the account. i have a fico score of XXXX and have never been late on a payment. always paid before the bill was due. I feel that since they were not making any interest of my account they just closed it?