23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a care credit card since XX/XX/year>. My limit at the time was XXXX. I have paid every bill on time, never missed a payment and highest balance was only ever XXXX. Recently and out of the blue I recieved an email from them letting me know what they lowered my credit limit to XXXX, leaving me a XXXX credit limit and {$200.00} available use. This ratio caused my credit score to lower drastically and when I contacted the company it said my balance was too high on other credit cards. This is very unprofessional and they have provided me no documentation showing that they are allowed to lower my credit score at any time. Seeing as how care credit has a pre approval process had I known that 4 months later my limit would only be XXXX I would never have agreed to a hard inquiry on my credit report. Upon further investigation I find that this company has been doing this to many consumers.
Product: Debt collection

3 days ago, I received a notice from a debt collector, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. 
The creditor is : Regions Bank - Client Account # XXXX - XXXX Account # XXXX. 
The notice states that I owe Regions Bank {$850.00}. I had NEVER heard of Regions Bank before I received this notice, nor have I EVER done business with them. 
I called XXXX who told me to call Regions, which I did. I called Regions Customer Service, XXXX, who told me to call the Fraud Dept. 
I tried to call Regions Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. 
I called XXXX. They are putting this into a Fraud File. 
Yesterday, XX/XX/17, I called Regions Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in XXXX  XXXX years. There are no Regions Banks here. She then hung up on me. 
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. 
I would appreciate it if you would look into this for me.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX Opened XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX Credit Bureau XXXX XXXX. 
XXXX XXXX XXXX XXXX GA XXXX Re : **Dispute of Civil Liability under XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute the civil liability claim that has been made against me under XXXX XXXX. XXXX ( Fair Credit Reporting Act ). It is my understanding that the claim involves alleged violations related to the accuracy or handling of my credit report and its associated obligations. 

After reviewing the facts surrounding this matter, I believe there has been a misunderstanding or error, and I do not accept liability for the disputed charge/claim. Specifically, the allegations related to [ describe the alleged violation, such as incorrect information reported, failure to correct errors, or failure to notify within the required time ] are unfounded and unsupported by clear evidence. 

Under the Fair Credit Reporting Act, I am entitled to dispute any inaccuracies within my credit report and request a thorough investigation. I would appreciate it if you could provide me with any relevant documentation that supports the claim of civil liability and that justifies the claim being made under this section. 

Please be advised that under XXXX XXXX. XXXX, any willful noncompliance with the requirements outlined by the FCRA may result in significant consequences for the party responsible for the violation. I am confident that upon reviewing this matter, it will become evident that no violation occurred on my part. 

Therefore, I kindly request that you immediately address this dispute and cease any further action regarding the civil liability claim. If this matter is not resolved within a reasonable time frame or if the claim is not withdrawn, I will not hesitate to pursue my rights under the Fair Credit Reporting Act, including seeking legal advice and remedies available to me. 

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

Sincerely, XXXX XXXX -- -- -- -- -- - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Prestige financial is reporting inaccurate information to the credit reporting agencies. They are reporting inaccurate payment history and amounts. They are reporting that the account is closed and charged off at the same time. The account can be one or the other. If the account is closed/written off I never received the 1099C form from them this has to be reported on the company end as a loss of income and gain on mine. Also if the account was charged off I was never told what company the debt was sold to. If the account was written off this has to be reported to the irs. I do not believe you can write a debt off and still sell it and try to collect on it that seems to be fraud. I believe this is also numerous violation of the FCRA and an IRS code violation. They have also defamed my character and caused me harm.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number:XXXX, Department of Education ; Account number : XXXX, Department of ed/XXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 conviction 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THANK YOU
Product: Credit reporting or other personal consumer reports

I have numerous accounts with errors on my credit report that I have disputed and need removed from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681 - Fair Credit Reporting Act, I requested XXXX XXXXXXXX XXXX to provide me with Legal Court Documents that supported the foreclosure on our ownership of a " property '' in XXXX XXXX. I also asked for the right service papers and documentation to prove that we received and accepted the summons. 

Nothing has been provided and a foreclosure just showed up on our credit report, causing harm.
Product: Debt collection

XXXX / XXXX / 2017   XXXX  from USSA called and left threatening voice-mail that if I did not contact them within  24 hour s to pay a debt they would be deducting my wages. When I called them back they claimed to have been lawyers hired by original creditor to collect a past due debt. Claimed if I paid right now they could settle for less than half the amount owed. When I asked for the original creditor 's phone number so I could verify their information, they gave me a false number. I did get the correct number on my own and they put me in touch with the correct collection agency who let me know the people who were calling me were trying to scam me out of money. They were not hired by original creditors or the collection agency handling my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports in XXXX of 2022 to see what is on my credit due to my credit score being so low. Upon receipt I noticed multiple fraud accounts with opened and closed statuses. I reached out to all the creditors with no relief, so now I am submitting a formal complaint.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some unauthorized inquiries appearing on my credit reports. 


XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX Date of inquiry : XX/XX/2023 XXXX Card Date of inquiry XX/XX/2023 XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Requested investigation into collections accounts via dispute 10+ times since 2010 with no changes. Investigation was not performed.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This complaint serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature. 

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter. 

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.

Failure to comply with the legal requirements outlined in this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. I trust that your agency will approach this matter with the urgency and seriousness it deserves. 

I anticipate your immediate attention to this dispute and the initiation of necessary actions to rectify the unauthorized reporting.
Product: Debt collection

I was in collection with XXXX XXXX XXXX XXXX ( now know as XXXX XXXX ) in XXXX. This debt of XXXX was sent to the collection agency know as The Best Service company. When they called me to pay it in XXXX I paid the amount of XXXX on XX/XX/XXXX. Which is XXXX cents shorts of what they were suppose to tell me to pay. This is not my fault and I have a paid in full letter from the Best Service Company. How I found this out was I was refinancing my car loan in XXXX and they said I had a collection amount with XXXX XXXX still. I called XXXX XXXX and they said that there was XXXX cents still owed. They just credited the account at that time which still now shows I was in collections for four years. I called the Best Service Company who owned the debt and asked what went wrong. They admitted over the phone to me that they told me the wrong amount but still sent me a paid in full letter. I asked them to admit their wrongdoing on paper so I can dispute it and they wouldn't. I disputed this with each credit bureau and it doesn't look to me like they did it right. XXXX says last payment made on this account was XXXX of XXXX when they credited the XXXX cents. ( even though I paid this in XXXX ). Both companies were in the wrong because The best Service Company wont admit on paper that they were wrong and XXXX XXXX did not let me know that there was still a XXXX cents balanced. This means that I have looked delinquent to banks and other creditors for fours years over this XXXX cents that wasn't my fault. This is not fair to me and I do not know how to get this removed from my report.
Product: Debt collection

Ive been trying to get this debt settled and closed off my credit for years now and i finally got XXXX  and XXXX  to remove debt but TRANSUNION is being stubborn and wont help me remove off credit and is holding up house process. Ive did everything i can think of.
Product: Credit reporting or other personal consumer reports

I have been reaching out to calling sending letters to Equifax XXXX and XXXX about fraud on my account addresses that I have never lived at accounts that I have never done business with I even filed a report with identity theft.gov and got a recovery plan I contacted all the companies whom told me to send this to the credit Bureaus an I did no one sent me any documents but my request for the information to be removed was denied pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). I sent all documents XX/XX/2023 they have not verified any information I demand these items be deleted Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. Thank you
Product: Checking or savings account

U.S. BANK DEEMED TO BE ACCEPTING FRAUD ACTIVITY WITH OUR CHECKING ACCOUNT. BY WAY OF ACCEPTING OR REINSERTING PAST AND PRESENT DEBITS TRANSACTION. WHICH CAUSING OUR ACCOUNTTO BECOME LOW SO FAST, WITHOUT AN EXPLICITY DETAILS TO US WHAT THIS AND THAT WITHDRAWAL, ETC. I HAVE NOTICE IT, BY RECOGNIZING OUR OWN FINANCIAL ACTIVITY VS COMPARING TO PRINT-OUT STATEMENTS I'VE ASKED FOR AT THE BANK COUNTER. I HAVE NOTICED SEVERAL OF FINANCIAL TRANSACTION I COULD NOT RECOGNIZED. BECAUSE I AM THE ONLY ONE DOING IT, AND NOT MY WIFE..AS BANK WORKERS TRYING TO SAY, MY WIFE MIGHT HAVE DONE SOME OF IT. MAKES ME WORRY ABOUT THEIR ASSUMPTION FOREMOST. SOUND SO EXPERIENCING WITH THEIR ASSUMPTION OF DOING SO PERHAPS. IT STARTED AFTER I CHANGED MY CARD NUMBER ENDING XXXX, AND XXXX, NOW I HAVE MOST RECENT ONE ENDING XXXX I AM SERIOUSLY CONCERNED ABOUT FINANCIAL MANIPULATION BANK WORKERS ARE DOING TO OUR ACCOUNT REASON WHY IT GONE TO LOW SO FAST ... .WHICH I NEVER HAVE THIS PROBLEMS BEFORE, EVER. SOMEONE OUT THERE IS STEALING OUR ACCOUNT PROFESSIONALLY WE ALSO DISCOVERED FINANCIAL SHORTAGE TO OUR ACCOUNT SUBTRACTING BALANCES FROM ACTUAL BALANCE. THIS TYPE OF ACTIVITY MUST RECOGNIZED, AND HAVE SUCH INDIVIDUAL PLACE UNDER ARREST FOR LAW VIOLATION. I SHALL SAY. ALSO ; XXXX AND XXXX DEBIT OUR ACCOUNT ... .WITHOUT OUR CONSENT. DOES CONCERNED US BIG TIME, THAT U.S. BANK WOKERS ARE AUTHORIZING THIS BY WAY OF " NEPOTISM, FAVORITISM, AND CRONYISM '' FOR SURE WITHOUT NOTIFYING ME FIRST. BECAUSE, I'VE TOLD THESE BUSINESSES ; THAT WE DO NOT ACCEPT " ON LINE PAYMENT '' AT ALL WHATSOEVER ... U.S. BANK STATEMENT PRINT-OUT AND MONTHLY STATEMENT ARE TOTALLY DIFFERENT BECAUSE ACTIVITY FROM MONTHS OR SO BEHIND ARE STILL EXIST 3 MONTHS AFTER ALL. SOMETHING REALLY DEVIOUS TOWARD FRAUDULENT ACTIVITY LEGITIMATELY.FRAUDS DEEMED TOBE FROM XX/XX/XXXX, ALL THE WAY THROUGH XX/XX/XXXX.. THANK YOU FOR ANY HELP. SINCERELY
Product: Debt collection

Professional Credit Service put a hold on my funds in my checking account. I have never received any type of communication from or phone calls to resolve this debt. I have contacted them on XX/XX/2023 and they are now requesting my bank statements from the last three months in order to partially refund the supposed debt that is owed. Tried to set up payment arrangements with them, but they are being difficult to work with, and will not listen to me. I dont feel I should have to send my personal bank statements to a creditor for wrongfully holding my money without the proper paperwork or communication.
Product: Checking or savings account

XX/XX/year> transaction any amount of {$350.00} to my cash app XXXX  XXXX, the transaction was not made through XXXX  It came from XXXX the total amount that was made was {$570.00} I sent the receipt that I got from XXXX over to Cash App. Cash App didnt investigate it at all. They just keep denying me {$350.00} from XXXX XXXX. I asked them why they denied it from XX/XX/XXXX to the XXXX, and only thing they sent me back is a receipt with the transaction from spirit no information attached to it
Product: Debt collection

I was told my credit card account was sold to XXXX XXXX XXXX. I called them at XXXX. After speaking with XXXX XXXX, XXXX XXXX, and supervisor XXXX XXXX. I was told I was being represented by an attorney, which I am not, nor have I ever been. I attempted to set up payment arraignments, but was refused. Due to the three representatives refusing payment do I consider the debt forgiven? If there is monies owed why would they refuse settlement or payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Since beginning of XX/XX/2023 till today, the bank has been charging me overdrafts fees of over {$2500.00} despite the fact that I have overdraft protection set up on my account. I reached out to the local branch and the mangers to help resolve these issues and unfortunately, they didnt return my calls and when I visited the bank in person, they couldnt give me any explanation or take any responsibility. 

As result of the lack of communication and support to my account, and the excessive fees, my account is overdrawn and I lost over {$2500.00} of unjustified fees. I had the funds available in my credit cards and my line of credit, but the staff failed to connect either as overdraft protection as I requested several times Secondly, my incoming deposits were delayed by the bank and were not cleared till I had so many overdraft fees which caused less funds available in my account. I was also blocked on the app from making any checks deposit and had no access to make any deposits. 

I made several phone calls and visits to my local branch, requested help but sadly they failed to call back, or provide solutions on time, or resolve these issues or even show any kind of caring. Additionally, this was not the first time this had happened, earlier this year, my account was mistakenly by the bank overdrawn by over {$19000.00}, which also created issues on my account and it took the local staff weeks to take responsibility and resolve it. 

I finally contacted the office of the president and sent a formal complaint in writing, my complained was ignored and i never receive any response, I even called couple of times, no one return my calls. Finally I called on XXXX XXXX, XXXX  and the person answered the phone give no answer or solutions to my complain.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this