23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a capital one card holder for 20 years! They closed my account with no know warning to me due to inactivity. I was Unaware this was possible. It has drastically affected my credit score due to longest standing credit line and available credit. This was my emergency card that I kept For all obvious reasons. I tried To call and spoke with two people in which they expressed their empathy. Empathy will not adjust the damage to my immediate credit score and available emergency funds! I have Another card with them and am now inclined to transfer my balance and leave completely as it was 3 days ago they closed it and I called As soon as I was Aware. There has to be a certain window of grace. Very disappointing!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  is reporting the incorrect balance on my credit report. This needs to be updated and showing that it is piad as agreed.
Product: Debt collection

Opened collection XX/XX/2013 when I was XXXX about a gym membership that was in my mothers name not mine. Have never once sent me any information but is on my credit score. Have looked at reviews on this collection and reviews say it 's fraud all asking for the same amount of {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXXXXXLate/Open Late Date XX/XX/XXXX
Product: Debt collection

Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.
Product: Checking or savings account

Hi.

At end of XX/XX/XXXX  Bank of America sent me the letter stated that all my accounts will be closed, as well as credit card accounts. No explanation why. Each account had the letter with next information : - '' Your account access may be restricted. 
-You can't use your debit card anymore. 
- You no longer have access to online banking services for this account -Our decision to close your account is final. '' So I couldn't pay for my family food with debit or credit card. Couldn't get cash to pay for my needs. 
I had to open accounts in XXXX XXXX, ran to Social security office, my wife job to request direct deposits to the new account. Bank of America hold my money almost 2 months and I had hard time to survive till my family started getting any money.
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, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am writing to dispute the following information this company supplied to my credit report. 
This contract that I signed with this company shows that included with my payments a full warranty was included for this vehicle. Exeter Finance did absolutely nothing to negotiate or even ensure that this dealership stood behind this contract. So in all fairness they were the parties who breached this agreement by refusing to do anything about this vehicle being in service for the issue a total of ( 7 ) times for an engine issue which began less than 30 days after I took possession of the vehicle. 

I was completely candid with them during the entire process and over and over they told me that they were just the finance company and there was nothing that they could do. When in fact this is far from the truth, I was paying for my warranty which was folded into my car payment so it was entirely their responsibility. Because just like the vehicle belonged to them so did the warranty that was not being honored and they had every right to step in and make sure that the dealership was actually making the repairs as promised. But they DID NOT. So they breached their own agreement by attempting to leave me with a vehicle that was immobile, a warranty that was virtually worthless and a car payment to a company that would not offer me any sort of assistance or support. 
There is no conceivable way to separate the cost of the warranty from the cost of the vehicle because they are both outlined in the agreement. However, Exeter wanted to act as if these were two separate entities and their only vested interest was solely in the vehicle and not in whether or not the dealership would fix it, honor the warranty or even trying to help negotiate a deal for a suitable replacement. So therefore they voluntarily voided the contract by condoning the actions of the dealership and not making them culpable for their actions. 

It seems as if its easier for them to attempt make me the pay for their contravention, by attempting to attach this inaccurate information to my credit report so that this debt follows me for 7 years. I am aware of the law, and I am well aware that they did not follow through with this legally binding contract as it stated. Therefore this debt should be removed from my credit report immediately. 

Please see attached documents that support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX, Experian, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scoresXXXX XXXX/account number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up. Please sed me an updated copy of my credit report after reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX  XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Charge Off Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

LV Funding a company I have never had any business relationship with, is now attempting to administer the trust account in grantor name which is security fraud and since the account mentioned is in a private trust this is a direct violation a of trust law, which is treason. Im giving company 7 days to erase all billing and accounts off all 3 credit bureaus. If not complying filing a summary of judgment on company CEO and a XXXX dollar claim that will be forced to be paid, do yo the fact that I have interest on any attempt on administering the trust account. That has no contract with LV Funding
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Student loan

I had issued a complaint before about not getting mail from Navent in XX/XX/XXXX XX/XX/XXXX and they have failed to contact me or allow me to speak to a person to resolve the same issue. Now the company is destroying my credit score and still can not provide someone to talk to, to even try to resolve the issue. The company did call twice while they knew I was at work and gave a return number to their automated machine that will not redirect your call to a person. I have been trying to call them every week on my days off to no avail during their posted hours of operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 9 fraudulent inquiries on my credit report. 

below are the names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXXXXXX 4.US DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX XXXX bank in regards to a hardship that i was going through with XXXX XXXX who sustained a massive XXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on synchrony to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I work full time and have a XXXX XXXX XXXX XXXX and XXXX XXXX I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH SYNCHRONY EVER!
Product: Credit reporting, credit repair services, or other personal consumer reports

Got an Experian alert and saw that my XXXX score had decreased by XXXX points after it had increased by XXXX points XXXX from XXXX to XXXX XXXX. Since I have done absolutely nothing to cause this decrease and have actually done everything right, i called. Well. Theyre not helpful. XXXX on behalf of Experian says theres nothing they can do. So the decrease was capricious on the part of Experian and Im not supposed to know what caused it. The boost is an illusion and yet another scam. These credit bureaus have too much power on the lives of consumers and they do what they want. There should be a way to dispute this mysterious activity without spending hours trying to find a phone number to call and then get a shuffle of responsibility. Middle of a pandemic and theyre sitting like vultures in on it with the greedy banks ready to descend upon you and your future and eat you alive preferably.
Product: Credit reporting or other personal consumer reports

To Experian, XXXX, and XXXX, Regarding the Delinquent Credit Inquiry Issues Identified by Experian, XXXX, and XXXX : Thank you for affording me the opportunity to address the inaccuracies present in my credit inquiry report. It has come to my attention that delinquencies in my credit have been incorrectly reported by your agencies. In light of this, I am formally requesting the following documentation and proofs in accordance with relevant laws and regulations : 1 ) A copy of the original contract or purchase agreement responsible for the alleged debt. This document must contain the signatures of all involved parties and must originate from the original creditor, inclusive of all original terms, conditions, addendums, and riders.

2 ) Proof of chain of ownership pertaining to the alleged debt, demonstrating a seamless transition from the original creditor to the current purported owner, devoid of any breaks or discrepancies.

3 ) A comprehensive accounting history originating from the original creditor, detailing each payment made, including dates and amounts, along with the Date of First Delinquency leading to the current collection status.

4 ) Documentation validating the lawfulness and agreement to any accrued interest or fees, as stipulated in the original purchase agreement.

5 ) Verification of your legal authorization to pursue the alleged debts in the state of Texas, inclusive of your Third-Party Debt Collection Bond.

6 ) Evidence of compliance with legally mandated notices sent to me prior to the reporting of the alleged debt to consumer reporting agencies. This includes copies of the original notice, ensuring adherence to regulations prohibiting " debt parking '' without proper notification, thereby safeguarding consumer rights.

7 ) In accordance with civil liability statutes, specifically Title 15 of the United States Code subsections 1692k ( a ) ( 2 ) ( A ) and 1692k ( a ) ( 1 ), I emphasize the potential penalties associated with violations, including both statutory and actual damages.

8 ) Furthermore, I draw attention to pertinent federal laws including : - 18 U.S. Code 8 Establishing all debts as obligations of the United States and its corporations.

- 18 U.S. Code 241 Prohibition of conspiracy against rights.

- 18 U.S. Code 242 Criminalization of color of law violations and deprivation of rights.

- 18 U.S. Code 894 Regulation against the collection of extension of credit by extortionate means.

- 18 U.S. Code 1028 Prohibition of fraudulent use of identification documents.

- 18 U.S. Code 1028A Criminalization of aggravated identity theft.

- 18 U.S. Code 894 Prohibition against harming the reputation of consumers through extortionate means. 

I urge prompt and thorough attention to these matters to rectify the inaccuracies present in my credit report. Your compliance with these requests is essential in ensuring the integrity and fairness of my credit profile. 

Sincerely, XXXX, XXXX
Product: Credit card

Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with Experian and XXXX. Of the three reporting agencies, only XXXX   did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX XXXX financial possibilities. I just want to straighten things out and have accurate information for both of us.
Product: Debt collection

Diversified Consultants, Inc. has aggressively continued to report unfavourable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.