23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was reported 2 separate times with all three credit bureaus. The creditors response is that they can not verify this debt and that it would be deleted from each bureau, however it is listed twice and still appearing as the same debt from IC system I would like this additional and identical debt deleted as well as the debt can not be verified as mine.The account number for each of the collections are as follows 1. XXXX 2. XXXX Original CFPB complaint number is XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern about the inaccurate late payment remarks currently listed on my credit report. Despite submitting a dispute regarding these incorrect remarks, no updates or corrections have been made. 

It is imperative that these late payment remarks be corrected immediately to reflect accurate information. I request that you take action to update my credit report without further delay. 

Thank you for your prompt attention to this matter.
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 Account # XXXX, XXXX XXXXXXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  / XXXX XXXX XXXX, Bankruptcy XXXX XXXX Bankruptcy  Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : 0 Court : U.S. Bankruptcy Court Liability : 0 Exempt Amount : 0, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, has violated my rights. 

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

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

I had a credit card with US Bank I was unable to pay off after being laid off. 
I got a call from XXXX XXXX XXXX in XX/XX/XXXX of I think XX/XX/2013 and they told me that I would be arrested  and have my wages garnished immediately if I did not make arrangements to pay the debt with them. I paid the full amount to XXXX throughout the year. ( Roughly {$1200.00} ) I noticed it still shows owing to US bank on all credit reporting agencies, so I called US Bank. They told me the debt is still with them and that they never hired XXXX XXXX XXXX to collect on this debt and that as far as they are concerned the debt is still owing to them. 
I don't want to pay this debt twice but I have not been able to get anyone on the line from XXXX to arrange a refund. Online searches indicate XXXX often make such fraudulent claims and I had to try numerous numbers before I could even get one that was still in service. 
How can I fix this and have my debt marked as paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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, credit repair services, or other personal consumer reports

XXXX # XXXX Credit limit is inaccurate
Product: Student loan

Hello, I have been having trouble with my loan provider, Navient. They continuously change the terms on my account claiming lower monthly payments. Yes, this sounds tempting but I never made such request because I do n't wish to be pulled into paying more interest. They also place my account into deferment which then turns into an automatic capitalization fee. I am enrolled in school but do not wish to be in deferment because I CAN make my payments. I call to remove account from deferent and they do so but still leave their fee saying that fee is government mandated and it cant be removed. And finally, interest and principal allocations always vary every month. One month {$180.00} can do to principal, next month only {$60.00} goes into my principal. I am extremely confused with how this company allocates my money and will I ever finish paying my loans if this company is trying to keep in wrapped up in just paying interest. I have never missed any payments, give more than I should to finish paying early but it just seems like this company does n't care for me just my pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 40 days ago I submitted a dispute with this company and have not received a update of any investigation results.
Product: Bank account or service

I 'm a customer of PNC Bank in XXXX NJ XXXX XXXX XXXX NJ XXXXWhen I came to the bank on XXXX I found that my joint account with my wife had been arbitrarily closed and the bank could not explain whyI have not instructed any one to close the account nor has my wifeWe found that the XXXX account was ok but our names are missing from the XXXX and XXXX statementsThey have registered a complaint number ending with the digits XXXX believe that this account has been closed in a fraudulent manner and my funds potentially stolen and need your help to fix the issueI 'm an XXXX citizenMy email is XXXXXXXXXXXX and may be contacted by phone at XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX XXXX XXXX. Those 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 me or a customer service representative.
Product: Debt collection

Robo calls sometines as much as 6 to 8 times a times a day XXXX ( XXXX ) XXXX, constant spoofed numbers XXXX ( XXXX ) XXXX,,,, those are some of there numbers with same area code as mine it says XXXX XXXX. I believe it is debt collector and I am on the do not call list. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, without prior warning or advice, CitiBank arbitrarily lowered my credit limit on my Diamond Preferred credit card ending in XXXX by {$700.00}. I was informed of this punitive action via e-mail the next day. This unwarranted credit limit reduction by CitiBank increased my balance from 89 % of my credit limit on this this card to 95 %, which left me with only {$400.00} available credit and clearly exacerbated the high credit-to-debt ratio that CitiBank claimed to be its main reason for the credit limit reduction. It has also made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future. 

I also use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I had been advised of my credit limit reduction. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month. I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

CitiBank alleges that I am a valued customer, yet I am not sufficiently valued to be advised by CitiBank that it might have an issue with my use of credit. When I contacted CitiBank to protest, the representative with whom I spoke said it was a business decision that is final, and my record with CitiBank is irrelevant if my overall credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if CitiBank refuses to share its concerns with me in time to take some sort of remedial action to pre-empt any such severely punitive action. Had CitiBank provided me with a guide that advises me exactly what it considers well-managed and instructions on how to correlate that with my credit report, I would have been able to avoid running afoul of the CitiBank credit monitoring. 

This unwarranted, capricious, and punitive, action by CitiBank has set off a cascade effect with my other credit card companies, acting as essentially a red flag on my credit report. As a direct result of this action and its resultant increase of my debt-to-credit ratio, XXXX XXXX XXXX reduced my limit on my XXXX XXXX Visa card by {$4500.00} two days later! Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score, which has been lowered by these two actions to the point that I could not lease an apartment today if I needed to do so. 

This action by CitiBank was completely unwarranted and punitiveand highly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is notoriously not responding to consumers complaints. They're not doing their jobs. They refuse to fufill their obligations. This ccompany is ignoring consumers and something needs to be done.
Product: Credit card or prepaid card

I had a service center do work on my vehicle totaling almost {$3000.00}. XXXX included fixing an oil leak, codes from my check engine light and an issue I was having with my traction control light that continued to come on, resulting in loss of power. The service department " fixed '' the issue, only to have my vehicle need to go back into the service center within XXXX weeks for the oil leak that was still happening. After they again fixed the oil leak, my check engine light returned, ultimately resulting in me needing to bring it back in a XXXX time. During that visit I was told the valve cover that they had replaced was not seated properly, causing oil to continue to leak onto my new XXXX sensors. They stated they fixed the valve cover and " cleaned '' the XXXX sensor. They ran the vehicle with no issues. Once I picked it up, I drove it less than XXXX minutes and under XXXX miles when my check engine light returned. Again, the code came back to being my XXXX sensor. I asked for them to replace the valve cover, and the replace, not just clean the XXXX sensor and leave those items in my vehicle so I could verify the work was done. Instead, they did more work to the vehicle stating all these things were missed during the initial diagnostic they performed on visit XXXX. This was ultimately over a holiday weekend when they tried to strong arm me into paying even MORE money or they would not return my vehicle. We ultimately came to an agreement, and I picked up my vehicle after they had it for the XXXX time, for almost a week. I picked it up on XX/XX/XXXX. On XX/XX/XXXX, I checked my oil and to my surprise, there was absolutely no oil on the XXXX. XXXX months later, my car started ticking, and the loss of power/traction control light is still an issue. I tried multiple times for them to fix my vehicle to a better standard, or give me a refund so I could go elsewhere to a competent service department, they have denied, both of those requests. I then disputed the transaction with my Discover credit card with multiple documentation including pictures, timeline of events, screenshots of a supporting video documentation, email records, etc. The person from the company of the disputed transaction wrote a XXXX page paragraph that contained false information and the credit card company stated the transaction was valid. I called the credit card company to inquire about what my next course of action was, the woman I spoke to for XXXX minutes tried to help figure out a way to have the dispute reopened and agreed with everything I was saying until she put me on hold and came back XXXX minute later telling me I was out of luck because the case had been closed. I still have yet to receive a valid explaination of how this dispute was in the favor of the service department it was input against and will continue to dispute it being valid. The service center that did work on my vehicle did not finish the job and has ceased all contact in regards to handling the situation. Discover card assumes no liability on behalf of me being their consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute and Procedural Investigation Request under 15 U.S.C. 1681i Dear Experian, I am writing to formally dispute the accuracy of certain information contained in my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, which provides consumers the right to dispute and request an investigation into any inaccuracies on their credit report. 

Upon reviewing my recent credit report, I identified inaccuracies related to the account listed under your reporting. The disputed information appears to be incorrect, and I request that you conduct a full investigation into this matter. 

Details of Disputed Information : Account Name/Number : Nature of Dispute : Account Inaccuracies I kindly request that you investigate this account under the required procedural guidelines, including verification of the information provided, and provide me with the results of the investigation. If the information can not be verified, I request that the disputed entry be corrected or removed from my credit report. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), please provide me with the results of your investigation, along with any supporting documentation or evidence used during the process. 

Thank you for your prompt attention to this matter. I expect that the investigation will be completed within the statutory period of 30 days, as required by law. 

Please confirm receipt of this letter and keep me updated on the progress of your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

They required unreasonable documentation in order to change the checking account that my payment is drafted on. You must call in to customer service and are required to submit a copy of a bank statement and voided check. Documents must be faxed or emailed. 

This is unreasonable in that most financial institutions allow for these changes to be made online or over the phone without having to submit " proof '' of account ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax, XXXX and XXXX is in violation of 15 USC 1681 ( a ) ( XXXX ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax XXXX or XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow Equifax XXXX or XXXX to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( XXXX ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax XXXX XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax XXXX XXXXwants to continue to do business with me, they should delete these inaccuracies off my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple charge-off entries listed on my credit report. Below are the account details I am disputing : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Creditor Name : XXXX  Account XXXX Date of Charge-Off : XXXX XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX I believe the charge-offs reported on these accounts are either inaccurate or incomplete. I have reviewed my records and found discrepancies with the reporting of these accounts. To assist in verifying the accuracy of these charge-offs, I have attached the following documentation for each account : I never received any 1099 cancellation of debt form for any balance wrote off after closing remarks a profit loss Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information that appears on my credit report. The FCRA Section 1681i mandates that credit bureaus investigate and respond to disputes within 30 days. If any of these charge-offs are determined to be inaccurate or incomplete, they must be removed or corrected from my credit report in accordance with FCRA Section 1681c-2.

I kindly request that you investigate the information regarding these charge-offs and correct any inaccuracies. If you need any further documentation or information, please contact me directly at [ Phone Number ] or [ Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the charge-offs have been properly investigated and, if found inaccurate, removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints about information being incorrect, Have also presented XXXX, XXXX and Transunion. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, ch. 645, 62 Stat. 685. )
Product: Credit card

GOt a notification from Capital one that someone opened another line of credit or card under my name and old address and old phone numbers also an alert on my social security number out of XXXX XXXX XXXX Utah .and has effected my XXXX XXXX by XXXX points. I need it stopped and reversed
Product: Credit reporting

Experian fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( XXXX ) old outdated information from over 10 years ago
Product: Debt collection

I, XXXX XXXX, a natural person, am demanding Santander Consumer USA to provide me with any documentation, and concrete evidence, and any agreements WHATSOEVER between myself XXXX XXXX, and Santander Consumer USA, to give an unauthorized 3rd Party, a XXXX that was NOT a witness of the Transaction between ( myself, XXXX XXXX, and Santander Consumer USA ) give XXXX XXXX XXXX XXXX the rights to get my information, my address, my location, come to my property, and take my vehicle ( XXXX XXXX XXXX ) by FORCE in front of my neighbors/witnesses dated on XX/XX/XXXX. Where is the documentation to give an unauthorized 3rd party, the rights to do such things? This complaint is very simple and CLEARY to read and should not be misunderstood. 

PLEASE provide me such information mentioned above. 
I AM DEMANDING those documentation. Expeditiously! 

The company XXXX XXXX XXXX XXXX has admitted, and confirmed of taking my property ( XXXX XXXX XXXX ) away from me at my place of residence to be exact is where my property was taking away ( See attachments ). 

Ive also filed a complaint with Federal Trade Commission in regards of this serious matter. 
Again, Please provide me the information mentioned above. Best regards.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : TRANSWORLD
Product: Credit reporting, credit repair services, or other personal consumer reports

Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even transunion themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX if I rely on yall to handle my affairs.