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

Discover is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX  15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report should not include information solely regarding transactions or experiences ( payment history, charge-off status ) between the consumer ( myself ) and the person ( Discover ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( Discover ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Discover can not collect on a discharged debt. This is considered a certificate of indebtedness per the IRS, and income can not be reported. The IRS defines a charge-off as Gross or Ordinary income, which is not reported on the consumer report, making the reporting of this account inaccurate. This is unsatisfactory! 

Discover has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In Discover 's terms and conditions, they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not affiliates of Discover nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy, and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer, may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX XXXX and Equifax. 

This complaint is from the consumer who is also the natural person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a few collection letters. I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore 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 should be removed from my credit report entirely for false reporting!!
Product: Credit reporting

This is a formal complaint that Experian is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Experian has damaged my name, and my credit. Experian has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible. 


Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/2016
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint against XXXX XXXX XXXX regarding their handling of a late payment and subsequent impact on my credit score. I believe the actions taken by the bank have adversely affected my financial standing and are an unjust representation of my creditworthiness. 

I have consistently maintained an XXXX XXXX XXXX near XXXX and actively monitor it, checking on a daily basis. However, on XXXX XXXX XXXX I was shocked to discover that my credit score had plummeted from XXXX to XXXX. Upon contacting XXXX, I was informed that Macy 's XXXX had reported a 'Late Payment ' against me. 

Upon reviewing my account, I acknowledged a pending payment of {$49.00} from XX/XX/. By XX/XX/, my outstanding balance had accrued to {$120.00}. Immediately upon realizing this oversight, I contacted Macy 's XXXX, promptly settled the entire amount, and requested the removal of the 'Late Payment ' report.

What compounds my concern is the lack of prior communication from Macy 's XXXX regarding the impending late payment report. Despite receiving numerous promotional emails and mail from Macy 's, I did not receive any warning about the overdue payment or the bank 's intention to report to credit bureaus. The absence of notifications severely impacted my credit score, hindering my ability to secure a lease for a desirable apartment and obtain a loan for my business. 

I expressed my grievances to Macy 's XXXX, highlighting the severe consequences their actions had on my personal and professional life. Despite my immediate payment and repeated requests for resolution, the bank only opened a dispute, which was subsequently denied after a prolonged 10-day period. Subsequent attempts at resolution have led to further delays, leaving me in a frustrating cycle with no tangible progress.

In conclusion, I attribute the decline in my credit score by approximately XXXX points solely to Macy 's XXXX 's failure to notify me of the impending late payment report. While I accept the accrued interest charges of {$120.00}, I find it unjust that the bank has not retracted the late payment report, considering their lack of communication regarding the credit bureau reporting. 

I kindly request the Consumer Financial Protection Bureau 's intervention in urging Macy 's XXXX to promptly remove the late payment report from the credit bureaus, thereby restoring my credit score to its previous standing. I believe this action is necessary for the fair assessment of my creditworthiness and to rectify the negative impact on my financial opportunities. 

For your reference, I have attached my Bank Statements from XX/XX/ to XX/XX/, which is the proof of all my activities associated with Macys ' XXXX account. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting

Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$720.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I have contacted a rep and was told a letter would be sent to me but could not assist any further. The letters all stated the same reasoning : high exposure risk. 
I have had several Synchrony cards ( JCP, Lowes, Belk, PayPal, RTG, ValueCity and GAP ) dating back to almost 10 years, no late payments, FICO score in the 700s. In the past month, Synchrony has closed all of my accounts without any notice. I understand these are unprecedented times but why close accounts of customers who were never late paying and utilizing their limits responsibly? I would have preferred you lowered my credit limit instead of closing, that was {$110000.00} combined credit limit that is now gone. I would not bank with Synchrony ever again!!! This was such a disappointment! The only thing you can do is risk lowering your credit even more by reapplying, no thanks!!! In unprecedented times such as these, I understand you have to mitigate risk but what about your customers? You closed these accounts assuming I would run the limits up, but I am still working everyday. I don't think there is anything you can do to bounce back from this. The company is unable to do anything and you will have to reapply.
Product: Prepaid card

I received a debit card for XXXX dollars from a legal settlement from MyPrepaidCenter.com. Attempts to use the card have been unsuccessful. And it now shows I have a XXXX balance even though I have not used the card. Card number is XXXX expires XX/XX/XXXX cvc code is XXXX Name on card is XXXX XXXX This is a scam. When calling help line there is no place to call for help. Nor on the Web site
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used twice to apply for a Kohl's/ Cap One account. The first time XX/XX/XXXX and the second time XX/XX/XXXX. A formal dispute was mailed to Kohl's/ Cap One fraud department XX/XX/XXXX concerning these fraudulent inquiries however as of this date Kohl 's has not responded as is their responsibility.
Product: Credit card or prepaid card

In XX/XX/2021, Bank of America reported a 30 day late payment to my account. In the COVID law, it specifically states in Section XXXX that there was an accommodation put in place regarding late payments becoming current. 
This is a specific from the law. 

( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to dispute the above referenced collection account on my credit report.

The original creditor was XXXX XXXXXXXX XXXX XXXX XXXX ( a medical bill ).

I have always paid my bills, and notably before they were due, as the XXXX XXXX XXXX XXXX XXXX could notice by the bills and payments that they have received from me since XX/XX/XXXX.

I was through different insurances in the year of XX/XX/XXXX and I always gave my doctors office ( dr. ******* ****** ), any new insurance information I had.

I received a letter stating that my bill was going to collection although I never received any bills previously that encompassed the correct amount after being sent to the correct insurance companies, even though I called previously and requested those corrections to the reprocessing. ( see attachments ) I believe, sometime in late XX/XX/XXXXor early XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX billing department and requested them to send the corrected bills. In turn their representative went through my insurances in the various dates of services and decided to run them through the correct insurance providers which I agreed to.

The XXXX representative on the phone told me that there was still going to be a balance of 100-something to pay. I requested that she sent me an updated statement so I could verify the payments and I would arrange to pay any outstanding balance. The XXXX XXXX XXXX XXXX XXXX Billing Department representative agreed to this on the phone. ( the proof being that the {$480.00} originally requested was dropped to a lower amount after the final notice ).

It is to my sadness to report that the despite the discussion and agreement an updated bill/ Statement never came. I was surprised that instead of a follow-up call or letter from The XXXX XXXX XXXX XXXX   Billing Department, I received a collection notice from Overton , Russell , Doerr and Donovan , LLP.

I have since paid the balance that was requested from Overton , Russell , Doerr and Donovan , LLP. ( see attachments ) On a side note, even though it is paid, ( see payment receipt ) Overton , Russell , Doerr and Donovan , LLP did not send the update to the credit agencies even after almost 60 days, and after review of the XXXX, I notice that it could possibly be a trend of theirs ).

Since this was an error on the part of the XXXX XXXX XXXX XXXX XXXX Billing Department, and since has created a negative impact on my credit score by negligence on the part of XXXX XXXX XXXX XXXX XXXX Billing Department, reiterating that fact that the original creditor and I had an agreement, ( or contract if you will ), whereas I was supposed to receive an updated bill/statement and I would review and pay any outstanding amount owed, I formally request the immediate removal of the collection account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active MasterCard that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX MasterCards, a subsidiary of XXXX XXXX XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XX/XX/XXXX. 

In XX/XX/XXXX, when XXXX XXXX XXXX  XXXX reported my Mastercard account to XXXX, Equifax and XXXX   for the first time, my fico credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with XXXX, 97 points with Equifax, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my XXXX   report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX / XXXX XXXX XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX Mastercard, as well as contacted XXXX XXXX XXXX  XXXX. I also filed disputes with XXXX and Equifax. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning my XXXX Credit Card They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my chase account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XX/XX/XXXX and was in effect until XX/XX/XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX credit card services on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, XXXX, and Experian has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EXPERIAN XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me nor was I ever doing business or trying to do business with the following they are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is no information about this account and it appeared on my report, they have never tried to contact me and are in HIPPA violation. The new law states that it has to be 180 day late and I have no outstanding medical bills ever received. So I do not even know what this is about.
Product: Debt collection

GreenSky is a fraudulent corporation. I had 4 XXXX  treatments at {$50.00} a session, and they are trying to charge me over XXXX for services. The company I went to for the laser treatments, XXXX XXXX, left in a voice-mail that they were shocked that was happening. I couldn't even get treatments since I became XXXX and could n't drive, and due to covid, and XXXX not only closed down for awhile, but I was getting treatments on my face, which with a compromised immune system, I would be unable to do, yet GreenSky keeps harassing me via email, phone, and text for payment which threatens my good credit standing. GreenSky are dodging all my emails for an {$850.00} refund. I paid the {$200.00}, I want the other {$850.00} back for treatments I did not get done. They are very dishonest and I do not recommend anyone doing business with them. They have a 2 star review, over 300 complaints, and aclass-action lawsuit against them right now. I wish someone had warned me or I researched them but it's hard to be a trusting person in this world. Don't do business with GreenSky , LLC.