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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 card or prepaid card

Previous credit line : {$20000.00} Current credit line : {$5000.00} at one point it was at {$1000.00} on XXXX/XXXX/XXXX I paid my full balance of {$19000.00} after being a Natural Disaster victim of XXXX XXXX. My business in XXXX has suffered with all my contractors in the center of the storm with all my inventory. 

Anyways, I called XXXX XXXX XXXX in regards to my situation and it got dismissed. Then before I paid I saw my credit line still at {$20000.00}. So I decided to pay my balance to free up my available credit. By doing so, Barclay decided to reduce my card line to {$1000.00}. After frightening seeing that I called and after a long call they increased it to {$5000.00}. 

Barclay never notified me in any way ( mail, phone call or email ). Please help increase it back to {$20000.00}. I called again and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus for the following unauthorized address listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Address : XXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

This is the second complain about Urban Financial of America. Since the last complaint three months ago they are still procrastinating and doing nothing I have submitted everything they ask. This application process is still not finalized. There 's nothing else to submit. I still have not going to settlement.
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report I came across inaccurate and harmful information the following accounts that are being reported are violating my consumer right 's These accounts are being reported as a collection, I have no knowledge of these accounts they are a fraud, I have filed an Identity thief report with the federal trade commission. FTC REPORT XXXX the accounts are as follows ; XXXX. XXXX XXXX XXXX XXXXON/ CHARGEOFF. 
2. XXXX COLLECTION/CHARGEOFF. 
XXXX. XXXX XXXX XXXX payment. 

Furthermore the following inaccurate and fraudulent address are also being reported on my consumer report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX FL. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Along with these inaccurate inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have disputed all the above inaccurate information with the alleged creditors and the credit bureaus, put they have refused to answer my disputes. These Agencies HAVE NOT PROVIDED VALIDATION INFORMATION UNDER 12 CFR 100.34 ( b ) ( 5 ) BUT YET THEY PLACED A COLLECTION ON MY CONSUMER REPORT. 

Furthermore I was never given a chance to dispute these accounts according to 12 CFR 1006.34 ( C ) ( 4 ) ( 1 ). These alleged creditors and collection agencies have violated my consumer rights by using false and misleading and misrepresentation and deceptive tactics. The credit bureaus and collection agencies have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of the law 12 CFR 1006.34 ( d ) and 15 USC1681-S 2 ( 7 ) ( A ). I REQUEST ALL THE ABOVE INAACURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT BE DELETED IMMEDIATELY.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a no doc business line of credit using my personal social security number only for the bank to request documents and later deny me because the business does not have income. This loan was misleading as it was a small line of credit for start of businesses. The loan requirements are misleading. I would like the inquiry removed from my credit.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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

Subject : Complaint Regarding Inaccurate Reporting of Student Loan Account by U.S. Department of EducationXXXX Dear Consumer Financial Protection Bureau , I am filing a complaint regarding inaccurate and unlawful reporting of a student loan account by the U.S. Department of EducationXXXX on my XXXX credit report. Their reporting practices violate the Fair Credit Reporting Act ( FCRA ) as well as IRS regulations for debt cancellation. 

Details of the Issue : The account in question is reported as transferred and closed with no late payments. Despite this, it is inaccurately being reported as a charge-off on my credit report. This violates : XXXX. 15 U.S. Code 1681e : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of reported information. 
XXXX. 15 U.S. Code 1681i : Upon dispute, the creditor has failed to properly reinvestigate and correct the inaccurate information. 

Additionally, when the U.S. Department of Education transferred or charged off the debt, I was not provided with a 1099-C form, which is required by IRS regulations for reporting canceled or discharged debt. The lack of a 1099-C indicates that the debt was not canceled or forgiven, yet it continues to be reported inaccurately as a charge-off on my credit report. Reporting a charged-off balance without providing a 1099-C constitutes both a violation of FCRA accuracy requirements and IRS laws regarding income reporting. 

Harm Caused : XXXX. This inaccurate reporting has caused significant damage to my credit score, limiting my ability to obtain credit and secure favorable financial terms. 
XXXX. The absence of a 1099-C has also prevented me from addressing this issue appropriately with the IRS. 
. 

Supporting Documents : I have attached a copy of my XXXX credit report highlighting the account in question. I am also prepared to provide additional information or documentation to facilitate the resolution of this matter. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with federal laws and addressing this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXXXXXX XXXX XXXX  : Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Discharged : Reference # : XXXX XXXX XXXX  : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

XXXX15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military XXXX, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).
Product: Student loan

I graduated college in XXXX with XXXX $ in student loans. These loans were serviced by XXXX XXXX XXXX and the following payments were made on the following dates : XX/XX/XXXX - {$2500.00}, XX/XX/XXXX - {$1400.00}, XX/XX/XXXX - {$1400.00}, XXXX {$1300.00}, XX/XX/XXXX - {$1300.00}. As of XX/XX/XXXX my loans were paid in full. In XX/XX/XXXX with hopes of student loan forgiveness I requested a refund of my loans. I made this request with XXXX as my loans were transferred to them. After months of not receiving a refund and reaching out every few weeks XXXX finally informed me a check was issued but it got lost. With this information I waited a little longer but ultimately cancelled my refund request in XX/XX/XXXX as the stress was not worth it. Since XXXX, I've contacted EdFinancial multiple times to check the status of my account and I just kept being told to check back later. As of Monday XX/XX/XXXX, I still show a balance on my account despite XXXX never receiving a refund, XXXX cancelling the refund request, and XXXX not actually owing anything because my loans are fully paid off. When I reach out I am told to wait but after 5 months my balance should be correctly reflected as XXXX. With payments and interest resuming I will end up having to start paying on my loans for a second time if this is not resolved. While EdFinancial would likely refund that money, it would take 6 months to a year to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is allow fraudulent companies to file fake information because this account is not my because i never live on TX, some one use my information and i try take with this company but they not correct the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX  : Acc No XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc  No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc :  XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX
Product: Debt collection

I have repeatedly asked, during communications about this debt, for pertinent information related to this debt. I have asked for original proof of the debt with my original signature, which they have not been able to provide. I will not accept a photocopy ; I need actual proof. I have also asked for proof of sale of this debt from the presumed original debtor to the collection agency, the reason they purchased it, and the amount for which they supposedly purchased it. I have also asked for proof of original dates, and they have refused to comply and give me any of the pertinent information pertaining to this debt. Yet they continue to violate law 15 USC 1692c, with rude, repeated, and threatening calls and communications pertaining to a debt they can't even show me actual proof of.
Product: Debt collection

MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXXXXXX XXXX Balance {$1100.00} Account info Account number XXXX Date opened Collection account. {$1100.00} past due as of XX/XX/2024. 

Contact info Name MIDLAND CREDIT MANAGEM Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE..My credit is being ruined with all the credit bureaus, and Comenity bank- XXXX  XXXX XXXX has still NOT resolved or tried to resolve a dispute I have had with them for almost a yr. They took the dispute XXXX XXXX ) out of " dispute status '' and have almost doubled the amount disputed with their interest they tacked on. Comenity bank asked for " extras '' which were provided several times after I could not resolve the problems with the merchants in person on my own. After I have sent these " extras " to Comenity, they charged my card back, and/or refused to credit the items I disputed without any reason for doing so. I have never received any documentation that they ( Comenity ) even tried to contact the merchants on my behalf for the problems with the purchases and non-credited return XXXX billing error because the customer service rep. missed crediting items the store took back and have in their possession without any refund to me XXXX. I have gone to the merchants on my own and simply told they couldn't do anything " now ''. I further sent the quality pledge and subsequent policy that reneged on that store 's policy that was enforced upon purchasing after I went in person to get the refund. These stores cited " covid 19 '' as the reason for all these problems after they " reopened '' and even had extensions of time implemented for returns. 
I have tried in good faith to take care of the credits myself and had to turn the matter over to Comenity bank in a dispute for ea. separate matter, and have done so within less than 60 days, and provided documentations supporting, but Comenity has never sent me any documentation of them contacting the merchants or any reason for closing the dispute and tacking on interest. 
Also note that the complaint I filed against them with still no resolution shows them stating to CFPB that they were working on the complaint but at the same time telling me there " is no dispute '' .. 
My dispute is the same as was mentioned prior and has never been resolved even though it has been " closed ''. Are there any papers or anything showing they went to the merchant on my behalf within the 2 billing cycles almost a whole year ago when this dispute was started?. There is no documentation from them ( Comenity ) on anything provided to me other than a letter asking for more info that was indeed provided, and on XXXX XXXX, XXXX, I received a letter dated from Comenity dated XXXX XXXX, XXXX after many back and forth emails after they took my dipute out of dipute status with NO notice or reasons why. Comenity is reporting my account past due 120 days and refuse to answer to any of this, and if I call my calls are disconnected over and over even after being told I am being transferred to another department, and also " Covid is making resolutions longer to handle ''. I have been more than patient, and still seek refunds and my credit restored as per my rights ( and Comenity bank 's infringement on them by NOT fairly and timely following through as per the credit card agreement they post in their card billings ea. month XXXX by the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX  XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions. In your response you state that you consider the furnisher 's response. 
Other than " we said so '' what was their response? 
Another statement says " In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. '' I provided evidence the car had been totaled, and the insurance company settled and paid them directly. You are able to verify the document authenticity with the insurance company. This should be enough to remove item without contacting the furnisher that continues to report false information even when presented with evidence. 
Lastly in the state of NY collections and charge offs are to be removed from report after 5yrs. This rule applies even when individual moves to a different state. The law follows where the debt was incurred. I confirmed this with a credit lawyer. This item has been on my report for nearly 7yrs and should be eligible for early exclusion even on 7yr standard. 

I feel there is a conflict of interest that you are paid by the furnisher for the privilege of being able to report with you. I realize this will never change but there should have some sort of accountability to report accurately regardless of what the entity paying you says when presented evidence they are not being honest.
Product: Credit card or prepaid card

Hi, I am XXXX XXXX from XXXX, Arizona. I want to direct your attention to this situation that I am dealing with my Citi Bank Best Buy credit card. I made a purchase for a laptop that was roughly {$700.00} in XXXX along with some previous balance. All these purchases were made with Best Buy 's promotional apr of 0 % interest for 12 to 18 months financing offers. I bought another product ( ~ {$350.00} ) with a similar offer later in XXXX. The company selected a minimum payment and I opted for autopay so that it will pay off my balance in the due time. The first purchase that I made for my laptop had a promotional offer until XX/XX/XXXX and in the monthly email that I received it only shows me a total balance of about {$1500.00}. They failed to notify me that my promotional period is ending and I have to pay whatever is left of the principal amount. In XXXX, they charged {$260.00} as interest and kept charging me about {$30.00} every month since then. I have been making their desired payment ( on autopay ) every month and I just realized my balance keeps increasing and it's more than {$2000.00} now. Essentially they are just taking the interest out of the account and keep stacking the principal. I was never informed by a rep that my promotional offer has ended and I need to pay a certain balance. After 6 months, I have been paying hundreds of dollars and it's mostly counting towards the interest and my due balance keeps increasing. They have not charged me for the other purchases yet as the promotions expire in XX/XX/XXXX. I have no idea where did all the payments I have made so far gone towards and why do I still owe them the total Principal in addition to the accrued interest. They are essentially making me pay {$700.00} ( principal ) +> {$400.00} ( interest ) +> {$800.00} ( other balance ) and I still don't know where did all the money go that I have paid them so far. I understand the numbers may add up for the company and they are charging me the interest accordingly but I was not notified of this at all. They just send you a total statement balance email and you're supposed to find the full statement and understand what is being paid off and what is not and I still can't understand what I have paid so far in the last two years of doing business with them. They certainly want to hide this information and make it even hard to understand for people. I have attached most of my statements from past two years and can provide more if needed. I even asked with a superior rep at Citi to resolve this but they are not willing to help me or negotiate with me to let me pay the principal. I just want to put this all behind me and pay what I really owe them honestly and get done with it. Please help me this is financial turmoil for somebody like me and I look towards for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came to a Equifax part of the CFPB and saw that the Equifax security breach had a page to enter in the SS # and some other info to see if I have been affected on the past breach. Sure enough, I am. I tried to access the dispute I had put in all these years with Equifax but their reports on line only went back a year. Thus doing me no good since they need all the way back to 2017. I have been disputing errors since then and beyond.