23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent off an dispute letter referencing inaccurate reporting & late payments to, Equifax, XXXX XXXX XXXX for a chance to correct their errors. I was never late on these accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy. I have never been late for the following accounts XXXX- XXXX ( Equifax, XXXX & XXXX ) Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX XXXXXXXX ( XXXX, XXXX & Equifax XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX XXXX ( XXXX, XXXX & Equifax XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

I have written several letter and dispute items to be removed off my credit report and nothing has happen. i have ask XXXXXXXX XXXX  and exquifax to remove items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} to be moved. given letter and file reports and the items are still on my report
Product: Credit card

I missed one payment, and Citibank has called me over 15 times in the past 3 days. I have spoken to them twice to explain that I had been out of work, and that I was expecting my 1st paycheck in the next couple of weeks. I have also requested three times to have them stop calling, but they have persisted.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I completed a debt consolidation program that included paying off my account with XXXX Bank. Now, 2 years later, that same account shows up on my credit report as being currently late in payments with a past due amount of {$13000.00} as of XXXX XXXX, when in reality it was paid off in the spring of XXXX.
Product: Debt collection

Company of complaint : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX The date of service is for XX/XX/year>. It was for a procedure. Primary AND secondary insurances provided to XXXX   scheduler, front desk, and XXXX  center on numerous occasions. The XXXX  center assured me that they are sent insurance information from the attending physicians office. Secondary  insurance was never billed. I had a follow up appointment for the procedure where a bill was given to me at the front desk, at which time I asked again, if both insurances were on file, and again assured they were. I have a billing statement showing that only the primary insurance was billed for this XXXX. Prior to my procedure, I had verified several times that both insurances were accepted by the provider/facility to ensure that I would not be seeing any out-of-network doctors/using facilities. Not only has this office sent me to collections, they no longer have my account available in the office to look at and have sent a lawyer to serve court documents on the debt. I contacted the doctor 's office again today around XXXX, when this information was relayed to me. I also called the lawyers office, just after speaking with XXXX Michigan. It was noted that there has been a dispute over the debt. The lawyer is : XXXX XXXX XXXX, PC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Cavalry SPV I, LLC which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Cavalry SPV I, LLC has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Cavalry SPV I, LLC. Cavalry SPV I, LLC is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit card or prepaid card

HSBC has made it so notoriously hard to complete identity verification when applying for its credit cards that it has led to scammers posing at HSBC and then extracting very sensitive information from clients supposedly on HSBC 's behalf. I was a victim of one of these scams and wholly blame HSBC for their ridiculous application process, which you can read about across the internet. I applied for what I thought was a HSBC credit card. A representative got in touch to tell me that they needed a copy of my driver 's licenses and a form so the Social Security Administration could verify my identity. Knowing that HSBC is so rigid in their identity verification, I gave the scammer this information. When it wasn't processed, I was told the SSA form was incorrect as I had missed a box. I then resent the form with my personal information again. Again I waited, this time I was told the application is " processing ''. Nearly a week later it was still " processing '' and I realized I had been scammed. It was devastating, I spoke to a supervisor supposedly with HSBC who told me the form was again incomplete ( it wasn't ). I told her I will be working with the local authorities to press charges. She had me call phone number XXXX, I believe the scam is from XXXX. I ENCOURAGE EVERYONE NOT TO APPLY FOR ANY HSBC PRODUCTS BECAUSE THEIR OVERLY ZEALOUS IDENTITY VERIFICATION HAS SEEMINGLY INVITED SCAM ARTISTS AND YOU MAY BE IN DANGER. ONLY A COMPLETELY INCOMPETENT COMPANY WOULD HAVE THIS MANY MISTAKES ON A SIMPLY IDENTITY VERIFICATION, SHOWING IT'S A SCAM. I will be working with police to help find who did this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, Pr XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX, FL XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have used XXXX for a number of years. They offered me a personal line of credit of {$2800.00}. I agreed to their terms ( the fine print ), understanding that the personal credit line was actually offered by Synchrony Bank. Since I have a very short credit history, I am vigilant to always pay down to zero any credit use within the terms of the credit card or personal credit line so that my credit score is impacted as little as possible. 

As I understood how credit scoring worked, use of my credit while keeping percentage of use below 30 % was ideal for increasing score over time. 

On XX/XX/XXXX I made a payment of {$1500.00} as I had used XXXX to conveniently purchase two airline tickets at XXXX XXXX earlier in the month. This amount was immediately debited from one of my accounts at XXXX Bank. As of today, XX/XX/2022, Synchrony Bank is holding back almost {$1000.00} of my credit line as 'security ' which is what their representative told me earlier today when I called to inquire why credit reporting agencies were showing my credit use much higher than it should have been. 

My guess is Synchrony is using this hidden and deceitful 'security ' as a way to comply with Federal Banking regulations related to retained capital requirements. Synchrony would not tell me when the 'security ' hold would be taken off my account. 

This practice is opaque, not explained AT ALL when opening the personal line of credit, and very negative to my overall credit rating which dropped XXXX points in the latest cycle despite me having no real outstanding debt. I liken this to corporate check kiting. Where are the regulators?
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022, I received a notification that my credit score went down on Experian, I logged into my account and do not see what company had reported something on my account. So I called Experian customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX  XXXX XXXX .... Balance : {$5800.00} ; XXXX  XXXX XXXX XXXX .... Balance : {$6200.00} ; XXXX  XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a collections from XXXX XXXX XXXX for the amount of {$480.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sc XXXX XXXX Subject : request for removal of XXXX XXXX XXXXXXXX XXXX  from all credit bureaus I hope this letter finds you well. I am writing to formally dispute the presence of an account on my credit report. I request that [ Credit Bureau Name ] remove all information related to the following account : Creditor Name : [ XXXX XXXX XXXX XXXX  Account Number : [ XXXX Date of Opening : [ XX/XX/2022 Balance : [ {$500.00} I have carefully reviewed my credit report, and I believe that the inclusion of this account is inaccurate and unjust. I would like to outline the reasons for my dispute and kindly request your assistance in rectifying this matter. 

1. Inaccurate Reporting : The information provided by [ XXXX XXXX XXXXXXXX XXXX ] regarding this account is erroneous. According to my records, I have never opened an account with [ XXXX XXXX XXXXXXXX XXXX ] on the date mentioned above. Therefore, it is evident that a mistake has been made, leading to an incorrect entry on my credit report. 

2. Lack of Verification : I have not received any communication from [ XXXX XXXX XXXXXXXX XXXX  ] regarding this account. No correspondence, statements, or notifications have been sent to me to indicate that I owe any debt to [ XXXX XXXXXXXX XXXX XXXX  ]. I believe it is essential for the creditor to provide verifiable evidence supporting their claim and validate the existence of this account. 

3. Statute of Limitations : Even if this account were valid, the statute of limitations for collecting this debt in [ SC ] has expired. As per the applicable laws, any claim relating to this account is no longer enforceable. Therefore, the inclusion of this account on my credit report is both misleading and unjust. 

Based on the above reasons, I kindly request that [ XXXX ] initiate an investigation into this matter and remove the disputed account from my credit report. I expect a prompt response within 30 days of your receipt of this letter, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Please find enclosed copies of supporting documents, including my credit report highlighting the disputed account, as well as any relevant correspondence or records that support my claim. I trust that you will thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. 

I also request that, in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ), you provide me with a written confirmation once the investigation is complete and the disputed account has been removed from my credit report. 

Thank you for your attention to this matter. I believe in the importance of accurate credit reporting, and I trust that [ XXXX XXXX XXXX XXXX ] will handle this dispute with the utmost professionalism and diligence. Should you require any further information or if there are any updates regarding this matter, please do not hesitate to contact me at the address listed above or via phone at XXXX
Product: Debt collection

On or about XX/XX/2022 I received several letters from local attorneys notifying me that Portfolio Recovery Associates LLC was going to sue me in court over a debt of {$6300.00}. I have never been contacted by Portfolio Recovery Associates LLC either by mail or by phone about this debt. I have no idea what this debt is as I have no unpaid debts of this amount. I have never been provided any proof of the validity of this debt. This is obviously a case of identity theft that Portfolio Recovery Associates LLC is a partner to. 

If Portfolio Recovery Associates LLC is claiming that this is a valid debt, I would like to see a copy of my application/agreement relating to this alleged debt clearly showing my legal and verifiable signature agreeing to the terms and accepting the agreement. I am confident that Portfolio Recovery Associates LLC will be unable to provide that or any other proof to me that this is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to dispute inquiries on my XXXX, XXXX  and Experian but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.
Product: Bank account or service

I got a call from IRS saying I need to pay off my fine for Tax Evasion TODAY or else I would go to jail because there is a warrant for my arrest. Being tremendously scared I complied. Although in my head it sounded fishy and like a scam, I was just super worried and did what they told me. They said I could talk to nobody about this at all and I must be on the phone with them at all times. They told me to withdraw {$1500.00} from my Bank of America. After doing so I went to multiple XXXX and bought XXXX XXXX Gift Cards and then they redeemed the code on the back. I am fighting hard to get my money back because I believe I was a victim of this scam. I am so stressed out right now and Bank of America barely tried to help me at all. I want to try to do a " chargeback '' on my debit card if possible. I hope by writing a complaint here that you guys may be able to help me get my money back. Please I really need your help to make this possible. Thank you
Product: Debt collection

this company siad I ordered their product and was charged to me on XX/XX/2020. 3 months later, I got a bill for {$150.00} from the collections company and told me i have 30 days to dispute the charge. 

I sent a letter to National Medical Administrators and also XXXX  limited-Black Label-No disputing the charge, I also sent them a copy of my credit card statement for the month of XXXX, 2020 which shows no transaction for the {$150.00}. I am waiting for their reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : 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, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below : 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 XXXXXXXX
Product: Credit card

I am a victim of identity theft. Upon review of my credit report I found several credit cards opened at capital one that were not opened by me. I do not have the account numbers as I did not open the accounts by my date of birth is XXXX and the balances on the cards I am disputing is : {$1900.00}, {$530.00} and {$630.00}. I have attached a copy of the FTC affadavit of identity theft to this complaint.
Product: Debt collection

Debt is reporting still on my report and I have requested for validation of this debt and verification, was told will be removed from report as no verification of debt was able to be provided..Debt have still not been removed and is still being reported. I have sense requested it to be removed and stop reporting inaccurate debt.
Product: Credit reporting or other personal consumer reports

I have become a victim of identity from the identity breach from the three credit reports. Due, to pass and false information shown on my credit, making old inaccurate information to be used for fraud purposes.