23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and XXXX continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and XXXX and self-lending inc that's the credit card issuer, but the incorrect reporting persists. 

Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and XXXX XXXX. Facilitate communication between myself, XXXX and XXXX, and XXXX XXXX r to ensure that the account status is updated promptly and accurately.

3. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information.

4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future.

I have attached copies of relevant documentation.. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. 

Thank you for your assistance and dedication to consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my XXXX  report, I have written to companies and no results taken XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XX/XX/XXXX to auto finance I did not authorize this inquiry XX/XX/XXXX XXXX XXXX  action I did not authorize this inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry Capital one XX/XX/XXXX I did not authorize this inquiry
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, I dispute the unauthorized hard inquiries listed on my credit report. These inaccuracies harm my credit and require immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I writ of garnishment was issued on all XXXX of my accounts. I did not receive notification of the writ from the attorney or from KeyBank. They took all funds in all XXXX  accounts on XX/XX/24. I asked for information they provided the attorney number and the case number. I called the attorney on the morning of XX/XX/24 bc they were closed when I found out on XX/XX/24. The attorney agreed that they had the wrong person and issued a writ of release/quash of the garnishment. They faxed and mailed Keybank the legal documentation on XX/XX/24. Nothing had changed by the morning of XX/XX/24 so I contacted the attorney they emailed the copy of the legal order which I emailed to the branch. The branch then faxed the legal docs at XXXX to their legal department and were told immediate action would be taken. 
At XXXX I called the XXXX number asking for verification that they received documentation and when it would be fixed. After being transferred and on hold we were disconnected when I entered the branch about XXXX. 
I asked the banker that had been involved since Wednesday evening to help reach out and see if we could get it fixed. After waiting for him to navigate the phone tree for about 20mins his current manager manager said there was nothing they could do even though she had the legal doc in hand that stated they need to release my funds.
Product: Debt collection

on XX/XX/XXXX i was notified by credit collection bureau out of XXXX XXXX sd i was contacted on XX/XX/XXXX by XXXX who stated, '' this is a call from a debt collector. '' she then stated she was calling regarding a XXXX XXXX bill for my son XXXX, who is now XXXX but the date of service was XX/XX/XXXX which would of made him XXXX. she stated that there is not a judgement against me yet. i then explained to her she just violated hippa law as well as no mini miranda and the actual debtor is XXXX and was XXXX at the time of service. and i also did not like the threat of judgemnt against me considering it was not my debt. then on XX/XX/XXXX i recieved another call from a XXXX i very quickly stopped her she again no mini miranda i explained again i asked for the mailing address and she refused to give it i asked for a manager she said no one was available i insisted she find someone she then put on XXXX XXXX who stated she had seen everything in the notes from XX/XX/XXXX that this was a disputed debt they were calling on. i told her i will be pursuing legal action for several violations as well as notifiying cfpb.
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  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account XXXX XXXXXXXX, XXXX agreed to remove the account from report but closed the account instead. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus Equifax and XXXX. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. XXXX has said they will not investigate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. Corporations are negligent and non compliant.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXXXXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was employed by a XXXX XXXX. This company is fraudulent. I am now {$2900.00} in debit to my bank. I've been employed by other companies to XXXX XXXX. With no issue. Ive been naive to think this is legitimate. I don't have the funds to cover this act of fraudulent activity. If there is anything to be done to help that wound be greatly appreciated. The company is called XXXX XXXX  XXXX XXXX. The numbers given to relay messages are XXXX, XXXX the email is XXXX please if this can be taken care of i would greatly appreciated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised cc from different companies where used too obtain amex in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is using my personal information this Account does not belongs to me
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates Federal Law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I don't recognize the following inquires on my XXXX report. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I have filed an identity theft report Want these removed immediately
Product: Credit card or prepaid card

synchrony bank issued me a carecredit account credit card # ( XXXX. 

my credit limt was {$8000.00} and they lowered the credit limit to {$2400.00} without any cause or warning being sent to me. i have always paid on time and have a current balance of XXXX. I AM in the middle of XXXX XXXX XXXX that will require about {$5000.00} in expenses. i was counting on my credit limit o {$8000.00} to pay my XXXX XXXX since i wouldve never imagined this bank would do this harm to me without cause. 

Its of urgent matter THAT I WILL BE able to pay for these medical prosedures, i contacted synchrony bank and there response was since i dint use the whole amount of my {$8000.00} credit limit within a year they decided to lower the credit limit. this is a out right fraud and deceptive trade practices by taking this action. i do need now to have the original credit line restored to be able to pay the XXXX   cost i need to pay. THEY ALSO CAUSED MY CREDIT SCORE TO DROP 100 POINTS WHEN THEY LOWERED MY CREDIT  LIMIT. A TOTAL ABUSE OF POWER WITH OUT MOTIVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the account ADVANCED COLLECTION BU, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Checking or savings account

Chase closed my new account for no reason. I had already transferred {$1500.00} of my money to the account. Then they locked it and then closed it without providing a reason and without giving me a way to transfer my money out before they did that.
Product: Credit reporting or other personal consumer reports

I had CFPB reach out to XXXX XXXX  on my behalf to resolve this issue ( See case number XXXX ) but it was not resolved. I Have never agreed to do business with XXXX XXXX personally and I have Never agreed to personally guarantee any loans for anyone or any company. 
XXXX XXXX provided me with a copy of a contract through the CFPB platform and after reviewing it, I can see that the contract is with XXXX XXXX XXXX XXXX XXXX XXXX  and not with me personally. They have not provided a signature of mine by any means. I can see at the bottom of the contract, there are lines where my name is preprinted to sign, however those lines bares the signature of XXXX XXXX XXXX XXXX XXXX XXXX I never agreed to guarantee any loans. The loan officer approving the contract which shows on the left at the bottom of the contract, bares the responsibilities of inspecting this and making corrections before issuing any funds to the company. The fact that this was not done, can not force the responsibilities on to me. 
Based on this, I request this account be removed from my credit report immediately. 
If I have to hire a consumer lawyer and litigate this, I will do so and Sue for a lot of damages. I have been saving all of my credit denials which are caused by this reporting. I hope this can be resolved immediately! I have attached the contract XXXX produced and their response for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have settled my XXXX  XXXX account, my XXXX XXXX account and my XXXX  accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
Product: Credit card or prepaid card

I attempted to close out my Discover credit card account in XX/XX/XXXX and as I was reviewing the balance, the representative mentioned interest on a cash advance. Knowing I rarely make cash advances, I questioned it and after speaking with a second person I was told it would be reviewed and I would get a call back. I never did so I called again XX/XX/XXXX and was told that there were 2 cash advances for {$40.00} each XXXX in XX/XX/XXXX and 1 in XX/XX/XXXX and that the interest on them is $ 23.8 % and that none of my minimum payment was applied towards this and that it is their practice to apply the minimum payment towards the lower interest charges and only additional payments are applied to the cash advance purchases and if no additional payment is made then the cash advance just collects interest. 
I questioned how they can allow a customer to collect 23.8 % interest on {$40.00} for 7 years with no reduction and 23.8 % interest on another {$40.00} for almost 5 years with no reduction. The lady just apologized and said she would note my concern but what they can offer is 3 months of credit on the interest. 
I feel Discover is very misleading and the practice makes it difficult for people to pay down their debt especially not knowing this is how the payments get applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claim bankruptcy that was discharged in XX/XX/2011. XXXX XXXX and XXXX have removed this bankruptcy off of my credit report. I have repeatedly contacted Experian and requested that they do the same and they will not let me speak to a manager or give me a detailed explanation as to why theyre keeping a bankruptcy on my credit file for almost 10 years. When I ask for proof of where they are receiving their information, they cite to XXXX which is not always accurate. Experian is engaging in unfair consumer practices by forcing consumers to have bankruptcies appear on their credit report for an unfair and extremely lengthy time impairing a consumers ability to obtain loans or financing at fair interest rates and hindering a consumers ability to compete in todays declining market. Experian is nothing more than a company that should not have the authority or the ability to keep a consumers credit in ruins for roughly 10 years. As mentioned, Experians competitors, XXXX   and XXXX XXXX, have ethical practices and policies that Experian should be forced into conforming with or Experian should be banned from the market as a credit reporting bureau. Experians current practice is deceptive and unfair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR, EXPERIAN I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX AUTO IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of consumers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
EQUIFAX, XXXX, XXXX have violated my rights. 
THE ADDRESSs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I demand these addresses be removed immediately with an updated copy of my report mail to me for conformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.