23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Account had a debit of XXXX to XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, i have no idea what this charge is for. The bank said the card was present at the time and since i still have my card it had to be legitimate.
Product: Debt collection

Company is spoof calling. Using local numbers with only the city and state as caller ID. When returning the calls, it is a private number. Receiving 2-3 calls per day with different numbers and cities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX  # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I attended a social gathering and purses/wallets were stolen by event staff. Police were notified and report was made. I was advised to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed a slew of accounts I have no knowledge of, affiliation, or relationship with. I also discovered someone has been applying and attempting to obtain lines of credit in my name. I immediately contacted the CRAs ( XXXX, Equifax, and XXXX ) in XX/XX/XXXX. I informed them of the incident from XXXX along with the account I discovered. I contacted all agencies via phone and by mail. It has now been over 60 days and no accounts have been verified but are still reporting to my profile which is now in violation of the FCRA, specifically 15 USC 1681. NO INFORMATION SHOULD BE FURNISHED TO MY PROFILE WITHOUT MY WRITTEN CONSENT. Furnishing account due to Identity Theft further violates 15 USC 1681 c-2. No accounts due to identity theft should be reporting to my profile. The accounts being reported to my profile that I have no knowledge of are : XXXX XXXX ( {$190.00} ), XXXX XXXX ( {$1400.00} ), XXXX ( {$980.00} ), XXXX XXXX XXXX {$610.00} ), XXXX XXXX ( {$260.00} ), XXXX XXXX ( {$450.00} ), AND XXXX ( {$500.00} ). Again I have no knowlege of these accounts. I also noticed credit inquiries from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. I have NOT applied for credit with these lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  charged off a credit card. 

the XXXX  credit report shows this. 

XXXX  and Experian credit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to PERSOLVE LEGAL GROUP and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX on XXXX  they also have over XXXX complaints with the CFPB. The PERSOLVE LEGAL GROUP failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Mortgage

RI Mortgage Housing purchased my loan shortly after the company 's recent incorporation. Communication was a nightmare. Getting my automatic payment setup was time-consuming and required multiple phone calls and mistakes were repeatedly made with my escrow. 

Fast forward to a month ago. I needed to change the account my payment was drafted from. I called an agent, but they wouldn't take the new account information. They explained I had to use the web platform. I attempted to use the web platform, and it would not work. I called back and they said the server was down and it would take a day or two. I was suspicious because of the nature of the error, but I tried repeatedly anyway. The web platform still did not work. In hindsight, the rep lied to me about the nature of the error. 

I called again, had to wait on extended holds, and finally talked with a supervisor on XX/XX/XXXX. He said we would have to have a paper form signed and emailed to change the account. I filled out the form and sent it in as an attachment. The supervisor said he couldn't draft from my new checking account unless he had a canceled check. I don't use checks for that account. We argued, I told him he needed to accept the new account information. He said okay and said he would reach out if he needed anything else. 

No surprise, a month later I get a collection notice, and a bill for late fees. After waiting on hold and talking to 2 reps and a supervisor, she took responsibility for a scrivener error when transposing the account number. She said she would reverse the fees. While that was a positive development in the saga, my experience with RI Housing suggests I may not be done with the issue.

Handling the simplest of tasks with RI Housing has been a nightmare since they purchased my home loan. I should have to spend hours and hours on the phone just to make a payment or ensure my escrow is taken care of properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX bank ) XXXX
Product: Credit card or prepaid card

This relates to an ongoing dispute with Sychrony Bank, the previous complaint was CFPB XXXX XXXX. Unfortunately, virtually all of the commitments that XXXX XXXX, XXXX XXXX made were not kept. 

I left her multiple messages at the number provided, she did not return any of my calls. It has been more than 90 days since I opened the dispute and they still have not responded. They promised not to put derogatory info into my credit report while the dispute was open, they in fact illegally put derogatory information in my XXXX report. 

My request is quite simple, I would like them to provide a copy of the receipt that they claim that I signed via an in person purchase. I am certain that I did not signing anything like this. 

I believe that both Synchrony and XXXX XXXX have violated my rights in this matter. I am requesting a full investigation of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX this company continues to report multiple inaccuracies to all three credit bureaus monthly such as account status, highest balance, account ratings, last verified, payment status I have asked to investigate the multiple inaccuracies numerous of times and in return the company responds of a print out of stating the account is accurate or updated with inaccuracies still I have reached out to this company several times since XX/XX/XXXX to try an fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a current copy of my credit report, i discovered some entries that were identified as inquiries which qualified for deletion from my report.
Product: Credit reporting or other personal consumer reports

Equifax stated that all information was addressed and removed all accounts from my credit reporting that were in the complaint, but they did not. I placed a call to Equifax on XX/XX/XXXX and spoke to a manager because I seen on my credit report there were still there. After speaking to a manager she stated she was going to remove the additional accounts still showing inaccurate on my credit reporting including correcting my name, but nothing was fixed. The reference # for the correction is XXXX. I will be submitting another complaint for Equifax based on them not truthfully resolving the concerns in the first complaint. The following accounts below need to be removed IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts and names : Accounts : Creditor : ( 1 ) Dept of Ed Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( 2 ) Dept of Ed Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( 3 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 4 ) Dept of Ed Account : XXXX Balance : {$2000.00} Date : XX/XX/XXXX Creditor : ( 5 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 6 ) Dept of Ed Account : XXXX Balance : {$3700.00} Date : XX/XX/XXXX Name correction, Correct Name : XXXX XXXX. XXXX ( only name ) Remove Name : XXXX XXXX Address, Current address ( only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove Address ( unknown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

Explanation of My Complaint : Recently, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XX/XX/2024, I discovered that my XXXX credit limit had been slashed from {$22000.00} to {$5000.00} without any warning. I was not notified in advance, and the only communication I received was a vague email dated XX/XX/2024, citing a " periodic review '' as the reason for the reduction. 
This reduction had an immediate and detrimental impact : My credit utilization spiked, harming my credit score despite my responsible usage and perfect payment history. 
The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined. 
Why This Is Unfair : Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors. 
Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history. 
Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions. 
Desired Resolution : A thorough investigation into XXXX practices, including their lack of transparency and failure to notify customers adequately. 
Restitution for affected customers, such as reinstatement of previous credit limits or compensation for credit score damage. 
Improved communication policies to ensure that customers are warned and given a chance to address concerns before such drastic actions are taken. 
This situation undermines trust in credit card issuers and highlights the need for accountability when companies make sweeping changes that harm their customers. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : 1. Creditor Name : XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2021 EMPLOYER : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date Of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXXXXXX  XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX  XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX  Date of InquiryXXXX XXXX  XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX
Product: Credit reporting or other personal consumer reports

XXXX profit and loss has not been reported as told to me by citibank or XXXX to the internal revenue service XXXX in order for this to be reported to my credit as a valid debt write off or canceled debt has to be reported within 180 Days per statutes and laws governing these accounts
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX PLEASE UPDATE!
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 confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXX XXXX  Account # XXXX-XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX U.S.C 1681 Section 602 A. states I have the right to privacy .

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or other personal consumer reports

Account info : Account name MIDLAND CREDIT MANAGEMENT Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$450.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2023 I received in the mail a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that I owed {$9200.00} to them. I responded with a a letter to XXXX on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested XXXX provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of XXXX 's ownership of the debt ), and details about XXXX authority to collect the debt on behalf of the original creditor in my state ( Florida ). XXXX mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of XXXX purchase of the debt from the original creditor ) nor verification of XXXX authority to collect the debt on behalf of the original creditor in the XXXX of Florida.
Product: Credit card

My name is XXXX XXXX, I have been a customer of Amex for more than XXXX  years. this Week all my cards were suddenly shut down and no email/phone voice mail was communicated. I have spend more than $ XXXX for the annual fee of my cards. the website still error for several days when I login. Is this the way American Express treats its customer? can you please advise what happened, and if my accounts were shut down, can you all my annual fee back?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX/XXXX i never heard of them or have I done any business with them.
Product: Student loan

They had me on the wrong payment plan for months, they finally fixed their mistake, but had been overcharging me the entire time
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify this account. Failure to validate this reported account within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX XXXXXXXX* Balance Owed {$110000.00}
Product: Credit card or prepaid card

This bank Is horrible To me Each Time I apply they refuse to Open an account Close my accounts After Sending Them documents They claim they are not valid Its Crazy