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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX sold the debt to a collection agency who is using hostility and aggressiveness to settle the debt. They are contacting family members and relatives without my permission, and also my previous employer after I asked them not to contact them. They are also using tactics by saying that there is a pending complaint or suit against me in XXXX county, and that they researched my employer and relatives that I did not put on the application to try to reach me.
Product: Debt collection

A collection agency called IQ DATA INT'L INC  ( XXXX XXXX XXXX WA XXXX XXXX ) placed for collection a charge of {XXXX} from XXXX XXXX XXXX XXXX XXXX Georgia  ( original creditor ) on XX/XX/XXXX. They sent several letters and repeated calls to me and my family, they did not stop until I wrote to them asking them to stop. However, they placed this onmy XXXX XXXX credit report. I noticed this on XX/XX/XXXX as I was trying to apply for some credit. Since, XXXX of XXXX, I have filed a fraud report with the FTC and the CFPB. Have not heard anything from either agency regarding my case. 
Back to the crux of the matter, WE called IQ DATA in XXXX XXXX and asked them what we needed to do. A very respectful man XXXX XXXX told us to mail documentation to IQ DATA verifying my place of residence during the fraudulent charger, who used the the name XXXX XXXX not me XXXX XXXXXXXX to navigate their fraudulent account at this apartment complex. I did this, I mailed the documentation w/ proof of residency, drivers lis proving AGAIN my address which was not in Georgia . So, it is NOW XXXX and WE have not heard anything from IQ DATA INT'L. I called on XX/XX/XXXX and spoke to XXXX XXXX. Mr.XXXX proceeded to say to me " so why don't you just pay the XXXX bill '', the nerve of this person to assume I was the fraudulent person before IQ DATA even completed their " investigation ''. He next proceeded in a very unprofessional manner to tell me these investigations take 2, 3 and even 6 months. If this is the kind of people IQ DATA employees WOW I guess the fraudulent account from XXXX will never come off my report. I was living in XXXX XXXX Florida during the dates the fraud ( person ) was living under my identity in Georgia, It stated that on the copy of the lease I sent to IQ DATA and on my drivers Lis and a utility bill. The fact of the matter is my identity was stolen and IQ DATA keeps trying to implicate me as the fraudulent person. When the facts clearly prove otherwise. 
Perhaps, I should ask my attorney to get involved, because I'm sure with the evidence in hand any judge would see the FACTS.
Product: Credit card

I have a Citi Double Cash Card since XXXX. I had enjoyed this card as it was my first rewards card. I have maxed this card out and paid off multiple times each time resulting in a credit increase. This year I experienced multiple hardships, the transmission went out on our car, my grandma passed away and I needed to pay for funeral expenses, and an unexpected tax bill. This did result in higher usage than normal, however I was never late on a single monthly payment. Fast forward to XXXX days ago, I was able to pay off approximately {$21000.00} to pay off the statement balance on my card. Today, I logged into my Citi App to confirm that the payment was applied. I was absolutely SHOCKED and DISGUSTED to learn that my credit limit had gone from approximately {$23000.00} to {$1300.00}. This is almost a 94 % reduction in my credit limit. I could not believe this, I just paid them over {$21000.00} and as a thank you they will be ruining my credit score, due to their decision to reduce my credit line by {$21000.00}. Then to make matters worse, the arbitrary amount of {$1300.00} they chose as my new credit limit puts my credit utilization over 50 % for this card when I thought I just paid off the balance. Furthermore the reduction in credit limit impacts my entire credit portfolio as this card has the largest credit limit of all of my cards. I am in the beginning stages of trying to buy a new home and thanks to Citi, this may not even be possible due to the harm they have caused. I think it is absolutely horrendous practice. While speaking with an agent today, I was informed that Citi is well within their right to decrease a credit limit as they see fit. I was admittedly very upset and had a few choice words for the initial agent I spoke with, whom ultimately thought my situation was not important enough to take seriously as she laughed at me while on the phone. I demanded to speak with a supervisor. She has stated that she would submit an appeal to have my credit limit restored. This practice is completely unfair and has ruined my future plans and all I did was pay my bills responsibly. Shame on Citi bank for treating a long time customer whom had never even made a late payment so poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

XXXX Consumer Relations  XXXX Equifax Information Services XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming
Product: Mortgage

I was shopping for a HELOC and I was contacted by XXXX XXXX from Rocket Mortgage NMLS # XXXX. I was very specific with what I was looking for and asked what the minimum credit sore was for a HELOC and told him what my score was and that I do not want them to run my credit if my score did not fit their program. He lied and tried telling me about a different program and still ran my credit even after I asked what the minimum score was and told him my score. 

He was very deceptive and does not listen to the consumer, ran my credit without permission because he lied to get it.
Product: Debt collection

Was called by XXXX, they claimed that I owed money for a rental that I never lived in. They wanted the money immediately and tried to collect personal information on me. I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX  stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.
Product: Debt collection

I am writing to dispute inaccuracies on my credit report and request the immediate removal/blockage of erroneous information. The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the reported bankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous as no judgment was made, and no trial occurred.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 shalli ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account Name 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 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 a personal loan with pnc bank. Unbeknownst to me I was charged {$15.00} more than my payment amount. This {$15.00} has caused me to be reported late 4 months on my credit report. Ive since paid the money and receive refunds for late feesbut the {$15.00} and late reporting caused significant damage to my credit. I want the late notation removed from credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, Experian, and XXXX comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022, I notified USAA FEDERAL SAVINGS that the cash back rewards amounting to {$1200.00} were erroneously removed from my account. USAA informed me the money was used to purchase gift cards. I disputed the claim and still have not received resolution. Despite me reporting to USAA that fraudulent use of the cash back rewards points occurred, USAA continued to allow additional purchases of gift cards through my account. Totaling more than {$1700.00} cash back rewards being fraudulently removed from my account. Once again USAA fraud department did not contact me via email, phone, or mail to notify me of the fraud activity or that my account is comprised.
Product: Credit card or prepaid card

My Capital One credit card has been charging me late fees, and interest when I increased the amount that automatically comes from my bank account. I had increased the amount to make sure that I would not have any problems with late fees and other charges against the credit card. I notice that in XXXX and XXXX the amount changed back to {$100.00} when I purposely increased amount to {$120.00}. When I checked my credit card statement it shows {$100.00} instead of {$120.00}. I believe that Capital One changed the amount of my automatic payments so they can charge me interest and late fees. 
I was paying late fees on {$1.00} over the amount of the auto payment. A late fee and interest was {$38.00} dollars. This month it was {$38.00} for over the auto payment amount of {$5.00} dollars. This causes my credit card amount to increase in interest and well as late fee charges.
Product: Vehicle loan or lease

I have emailed, called and text messaged Prestige to obtain information on how to voluntarily surrender the vehicle or remove the co-signer from the loan or refinance the loan. I am the primary lendee on the loan. The lack of response from the lender is going to negatively impact my credit more than if they were to respond.
Product: Credit reporting or other personal consumer reports

Didnt provide that this account was mine in previous dispute. All they sent was something with my name. I need chain of custody, bill of sale, original contact, and my wet signature. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Product: Credit card

I was constantly told over & over by Chime that if I opened a XXXX XXXX Account it does not Do A Hard PULL on your Credit! Then upon opening the Credit Builder Account with Chime like I have with other Companies this is the only1 " 13Days Later I Received A NOTIFICATION FROM XXXX XXXX AND XXXX THAT MY CREDIT SCORE HAD DECREASED TREMENDOUSLY BY ALMOST XXXX POINTS! XXXX POINT DECREASE TO BE EXACT I INSTANTLY CONTACTED CHIME CREDIT BUILDER ACCOUNT CUSTOMER SERVICE FOR A ENTIRE WEEK I HAVE BEEN GIVING THE RUN AROUND THEY PUT ME ON HOLD LEAVE ME IN THE CUE WITH EXTREMELY LOUD MUSIC NEVER PICK BACK UP! I HANG UP CALL BACK I WAS TOLD THAT THERE HAD TO BE A MISTAKE AN THEY WERE GOING TO CORRECT IT AN CALL ME BACK IN 48 HOURS! 4DAYS LATER I RECEIVED NO CALL NO EMAIL NOTHING! THEN I CALL BACK ASK FOR A SUPERVISOR SHE PLAYED THE SAME GAMES LEFT ME ON HOLD ADMITTED IT SHOULDNT HAVE DID AMYTHING TO MY CREDIT IN 2WKS I NEVER GOT TO USE THIS CARD I PUT XXXX XXXX IN THE ACCOUNT AN SPENT XXXX XXXX  TO MAKE SURE THE CARD WAS ACTIVE NEXT THING I NO MY CREDIT SCORE DECREASED XXXX POINTS IN 2/3WKS SO LOW I HAVE WENT INTO A XXXX!!! IT TOOK ME 4YRS TO GET MY SCORE TO GO UP XXXX POINTS THIS IS FRAUD ITS ALSO A SCAM TO GET PEOPLE TO SIGN UP THEN THEY KEEP LYING EVERYTIME I CALL NO ONE WANTS TO DO THEIR JOB '' EVERYBODY TREAT ME LIKE THIS IS A JOKE I AM SUPPOSED TO BE LEASING A VEHICLE AN MOVING SOON THIS HAS EFFECTED MY LIFE IN WAYS NOBODY WOULD UNDERSTAND AND ITS NOT LEGAL ITS FALSE CREDIT REPORTING HOW DO YOUR SCORE GO DOWN IN LESS THAN 30 DAYS 50 POINTS JUST BY OPENING A NEW CHIME XXXX XXXX ACCOUNT?? THEN THEY PLAY ALL PHONE GAMES NEVER HELPED ME JUST KP LEAVING ME ON HOLD DONT EMAIL DONT CALL WONT COREECT THE LIE A SUPERVISOR JUST LIED LIKE SHE WAS CORRECTING IT LEFT ME ON HOLD 20MINS KEPT COMING BK IN THE CUE TO SEE IF I HING UP THEN BLAST THE MUSIC BK IN YOUR EAR WHILE LEAVING ME ON HOLD 20MINS TO NEVER COME BACK ON THE LINE AFTER I WAS TRANSFERRED 2TIMES TO EVEN GET A HIGHER DEPARTMENT THEY REPORTED SOMETHING FALSE FOR MY CREDIT TO GO DOWN XXXX POINTS IN LESS THAN 30DAYS IS FRAUD!!! PLEASE HELP THIS COMPANY NEEDS TO BE INVESTIGATED ESPECIALLY THEIR PRACTICES EVERYBODY THAT ANSWER IS FOREIGN YOU BARELY CAN UNDERSTAND THE ENGLISH THEY ARE ALSO NOT PROFESSIONAL PLEASE HELP THIS HAS EFFECTED MY LIFE & ANYTHING I APPLY FOR I WILL BE DENIED NOW BECAUSE OF THIS MAJOR INCREASE ON MY CREDIT SCORE SO PLEASE HELP ME BECAUSE THEY WON'T AND I DONT TRUST THIS COMPANY ANYMORE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an account ( Auto Loan ) to the credit bureaus ( XXXX, XXXX and Experian ) in which is a fraudulent account. The reported balance is XXXX. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX is reporting an Auto Loan in the amount of XXXX ( XXXX, XXXX and Experian ) in which is a fraudulent account. This account should be removed from my credit report.. 

XXXX XXXX XXXX is reporting a collection in the amount of {$600.00}. ( XXXX, XXXX and Experian ) in which is a fraudulent account. This account should be removed from my credit report. 

XXXX XXXX XXXX is reporting a collection account the amount of {$1200.00} ( XXXX, XXXX and Experian ) in which is a fraudulent account. This account should be removed from my credit report.. 

Credit was fraudulently applied for and The following hard inquiries are on my XXXX Credit Report. XXXX ) XXXX XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service

Violation of Arbitration agreement 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805 Sharing my personal information and accounting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 someone tried to buy a car at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries on my Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received an invoice indicating that I had a payment that was due on XX/XX/2024 in the amount of {$160.00}. I made the payment on my XXXX ending in # XXXX on XX/XX/2024. My payment cleared, However, they reported my payment as late which caused my XXXXredit score to drop XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report there is a closed account with huge amount of missed payments. MACYS DEPARTMENT STORES Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACYS DEPARTMENT STORES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been 60 days so those items should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person 's hands.
Product: Debt collection

Preface : This complaint addresses significant ambiguities in financial transactions and roles with American Express. Expert review is advised for accurate resolution. 

I. Role Mischaracterization : American Express has blended the roles of the complainant ( surety ) and the principal debtor. This misidentification not only confuses responsibilities but inadvertently shifts principal debtor liabilities onto the surety. 

II. Financial Instruments as Securities : Various negotiable instruments function as securities with intrinsic value. These securities, connected to the principal debtor 's estate, should be the primary mode to offset liabilities. The current lack of clarity burdens the surety unnecessarily. 

III. Security Interest Ambiguity : American Express 's security interest implies asset collateralization. When not clear, it unfairly burdens the surety, especially when the debtor 's estate securities could be used for obligation settlement.
Product: Debt collection

Received several phone calls and voice messages from " AmeriCollect '' for a debt I had no knowledge of. When I called on XX/XX/2022 and asked for more information about the debt, they said they would send me a letter with details in 7-10 business days. Never received a letter, kept receiving calls about the debt. When I called and asked again on XX/XX/2022 for more details, received the same answer about the letter and the mail and was then told I needed to pay either the full or partial payment. Each time no information was given about the debt, besides it was for an emergency room visit for a hospital I have no knowledge of for the cost of {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a contract with the XXXX XXXX XXXX without a contract and without placing social security. Cancel the contract because they used deceptive practices. I was reported to the three credit companies XXXX, Transunion and XXXX for a balance of {$190.00}. How did this company get my social security number?