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

Subject : Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from such unauthorized dissemination of personal financial information.

Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Credit reporting, credit repair services, 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 Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX AUTO XXXX Account # XXXX XXXXXXXXXXX, XXXX  XXXX  XXXX  Account number 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 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: Credit reporting or other personal consumer reports

Every other month, TransUnion or other bureaus drop my score for no reason. Transunion dropped my score this month because I paid my credit card bill in full. This is retaliation for reporting Transunion misconduct. I have attached what Transunion has reported to MYFICO. I've reached out to a representative who could not explain why the company would drop my score for paying my bill. No one can come up with an explanation for that because it makes no sense.
Product: Credit card or prepaid card

I received my new Us Bank Reliacard on XX/XX/2020. I could not activate it online so I called cardholder services and was able to activate the card but was told my card was locked for security reasons. I asked what I needed to do to unlock it, they said I had to upload my ID and social security card. Which I did while on the phone with them. I was told it would take 24 hours to unlock my card. 17 days prior to that ( XX/XX/2020 ) I had already uploaded those same documents plus my lease to my new apartment due to the card being locked because I changed my address. Its Now XX/XX/2020 and my card is still locked. I haveXX/XX/XXXXsmall children and I am running out of food. I need to take care of my children with that money. My phone was shut off and my cable is next. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I sold my item on Mercari and the item was delivered yesterday XX/XX/2024. There was a technical issue with the app and it did not mark the item as delivered. I have written confirmation from the buyer that they received the item. And they are happy with the item. I also have proof of delivery from XXXX  that the item was delivered yesterday. Because the item is not marked as delivered Mercari is not paying me the money that I am owed. I am owed {$50.00}. I just want the money that is owed to me. I have tried numerous times to contact Mercari. There is no option to speak to a live person on the phone. The only way is though emails. Mercari just continues to send the same automated message and there is no solution offered to the technical issue in their app.
Product: Credit reporting or other personal consumer reports

Resurgent capital services, LVNV Funding LLC and XXXX XXXX XXXX  are claiming I owe a debt of {$660.00} LVNV Funding LLC claims that the account Holder Name is : XXXX XXXX XXXX this is not me nor am I the person they addressed the bill to : XXXX XXXX I have included an Affidavit as evidence that this is not my alleged debt.

LVNV has not provided me with a purchase agreement Violation under the FDCPA 15 U.S.C 1692a ( 2 ) states that communication means : The conveying of information regarding a Debt directly or indirectly through " Any '' medium I have spoken with this debt collector on the phone and they said it was not suffice to dispute over the phone and they have made this misleading statement that I needed to send a dispute in writing as well as fill out a identity fraud forms. 
Therefore LVNV Funding LLC is breaking the FDCPA I have asked for an original signed by both parties contract and they have not provided that I have asked for an itemized bill and they have failed to produce one i have asked them to provide their booking keeping entries per G.A.A.P ( 15 USC 44 ) ( documentary evidence ) none of which I have ever received I requested a copy of the 1099C This is Fraud and I have the right to report LVNV to the IRS and sue for statutory damages.

This dispute will be used as evidence
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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 XXXX 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

I have been having this issue since XX/XX/ and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the XXXX XXXX XXXX  and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unauthorized inquiries that I did not consent to on my credit report for over 8 months now with Equifax. I filed a FTC # XXXX report back in XXXX 2021 and they still will not delete this unauthorized inquiries. I am being ignored and forces to take action. I am filling a complaint with the XXXX XXXX XXXX as well as the Attorney General 's Office. This is unfair treatment.
Product: Debt collection

I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with Cavalry Portfolio Services LLC. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Reference Number XXXX Court Circuit Court Date Contact details provided is : XXXX XXXX, GA XXXX XXXX -- Status Filed Amount {$2100.00} Classification Legal Item Type legalitems
Product: Mortgage

Ocwen loan account # XXXX XXXX XXXX I am unable to log in or receive my year-end tax information for 2019.

The company with my information was Ocwen loans now the website is PHH mortgage questions.

I have followed the website information.

I talked with a rep. at PHH mortgage ( unable to locate information ) Forgot password and user name.

called with account information through the automation system.

I need my 2019 tax information to complete my taxes.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDNELNET and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Closed : The account was officially closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account closure led to the incorrect 120-day late report, which does not accurately represent my payment history. 
On-Time Payments Prior to Closure : I consistently made all payments on time prior to the account closure in XX/XX/XXXX. Any reported delinquency after this date was due to delays in account processing and should not have been attributed to me. 
Dispute Previously Filed : I previously filed a dispute regarding this issue, which was marked as resolved ; however, the inaccurate late payment entries still remain on my credit report. This demonstrates a lack of proper resolution and continues to affect my credit score negatively. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card account with First Tech Credit Union in XXXX, 2023, and moved a balance ( {$9100.00} ) from another financial institution to the new First Tech card under a promotional rate of zero percent for one year. 

I then made a new purchase on the card for {$500.00} that's not part of the balance transfer. When I asked the company what my minimum payment needs to be to avoid interest, they told me that the only way I can avoid paying interest on the {$500.00} is the pay off my balance in full, or {$9600.00}. 

I've done many balance transfer in the past, have accounts with XXXX and XXXX XXXX, and others, and those companies always separate promotional balances from non-promotional balances and treat each balance accordingly. With First Tech, by using the card to make a purchase, I'm now required to pay interest on the {$500.00} for the next year unless I pay off the entire card balance ( promotional and purchase ) on my next statement date.
Product: Credit card or prepaid card

Synchrony Bank close my account stating that I had issued a stop payment and it was rejected by my bank. I called my bank who verified there was no stop payment in place. This happened twice. As a result synchrony bank closed my account.
Product: Debt collection

On XX/XX/2017 I underwent an XXXX and XXXX at XXXX XXXX Medical Center in XXXX, TN. I have XXXX health insurance so I made sure to go to an " In Network '' hospital to keep my out-of-pocket costs low. Prior to the procedure occurring, I called the XXXX department at the hospital to ensure that the copay I was providing ( {$100.00} ) would be my total out of pocket cost. My health insurance paid {$2800.00}, while I paid my copay the day of the procedure. I was told that this would be the total cost to me. 

I was very surprised to see a bill from " XXXX XXXX '' who is out of network with XXXX. I thought it was a mistake. The XXXX fee was balance billed to me as XXXX does not cover " out of network '' costs, even though the facility I picked was " in network. '' I attempted to contact XXXX XXXX to discuss the bill. They directed me to contact XXXX XXXX Medical Center, who said to contact XXXX XXXX. I also contacted XXXX, who merely said they don't cover out of Network claims. None of the 3 parties were able to help explain. I received an unrelated XXXX XXXX in the past year at a different facility, and there was no surprise bill as the XXXX/facility were " In Network. '' Recently, I had 2 derogatory marks show up on my credit report for this one hour medical visit. XXXX XXXX had sent my single account to " XXXX XXXX XXXX XXXX XXXX '' as 2 different accounts.
Product: Credit reporting

experianXXXXXXXXXXXX XXXXstatus showing : collection/charge off ( should be unknown ) debt was included in chapter XXXX bankruptcy filed XXXX.
Product: Checking or savings account

I came home on XX/XX/XXXX and had XXXX letters claiming to be from Bank of America saying they were closing my accounts ( I have XXXX checking and XXXX savings ) ; I'm only entering XXXX complaint for all XXXX accounts since the issue is the same for all accounts. I called the number on the Bank of America website and they confirmed that the letters were valid and sent me over to the another department. They also confirmed that the accounts were being closed and they couldn't tell me why. That department said they could only spend XXXX minutes on each phone call. The only thing they could do is read a statement that was basically that Bank of America could choose to close an account at any time. At the time I was concerned that my IRS refund was being processed but I verified that it was already deposited. My paycheck, however is unknown since I get paid on XX/XX/XXXX and that is when they are closing the account ; so I was given XXXX XXXX notice of the closure. This is putting me in a difficult situation with not knowing why they are closing the account and the timing of closing it when I'm getting paid. 
The letters don't give me a reason but there is a statement saying they may report this to XXXX XXXX and/or XXXX XXXX XXXXXXXX XXXX So now I have to monitor those to see if there are any negative input from Bank of America and try to correct those. 
I have been a Bank of America customer since XXXX and I just don't understand why they have chosen to close the accounts without any information as to why. 
I have attached a copy of one of the letters sent redacting all personal information.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 XXXXXX/XX/XXXX
Product: Bank account or service

I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. 

I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and TD Bank has given me no way to get this resolved through their customer service channels.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX XXXX - Account # XXXX Account name : XXXX XXXX Bank Account # XXXX, Account name : XXXX XXXX XXXX / XXXX - Account # XXXX, Account Name : XXXX XXXX Bank Account # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXt # XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 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.