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

I sent a letter out on XXXX to XXXX, XXXX, XXXX and Chexsystems here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
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 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Identity theft!!! Proper documentation was sent to ( XXXX, Equifax, XXXX ) about these fraudulent accounts and transactions made over a year and a half ago. PoliceReports of identity theft, Identity theft affidavit, complaints of fraud and identity theft through cfpb, fcra, XXXX.These accounts are still reporting after validated documents was sent to all involved institutions. I would like information of how I go about starting an class action lawsuit against these deceptive practices from these credit agencies.
Product: Credit reporting or other personal consumer reports

Recently I did and investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX XXXX Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am very distressed about this information on my report, I have been trying to dispute this with the bureaus and its been well over 30 days
Product: Debt collection

I have entered into a debt reduction program. Citizens Bank and XXXX XXXX is calling non-stop ( 8-10 ) times each per day on my cell phone ( XXXX ), my work line ( XXXX ) and now my son 's cell line ( XXXX ). This is addition to the emails, texts and mail notifications.
Product: Checking or savings account

I received a letter in the mail this morning XXXX XXXX stating that my business account will be closed XXXX XXXX I am a law-abiding individual conducting legal business within the state of California. XXXX XXXX XXXX XXXX XXXX that has had a tough past couple of years, but we managed to survive and keep working. Now, the bank I have been a loual customer of for 13 years is doing this, and I have a full intention to find out what has happened. There was no activity that would jeopardize my good standing. I strongly believe this is a mistake or an oversight on the bank side. I have payroll and payments that need to be made. I can not seem to conduct business anymore
Product: Credit reporting or other personal consumer reports

The debt collector has not provided me with the proper debt validation for these allegd debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I closed my credit card account with Bank of America. I was told over the phone when closing my account that there would be no residual interest that I would need to pay. I made sure of this by asking the person on the phone multiple times before closing my account because I did not want to pay the residual interest. 

Three months later, in mid-XXXX, I got the first email from Bank of America saying I needed to pay residual interest. I thought this was spam or a possible fraud so I did not respond. Later that month, I saw a 96 point drop in my credit ore for that month.

I called Bank of America to get all of this sorted out and they continued to say it was my fault and that I needed to pay them. I paid them while submitting a complaint and filing an appeal. I also sent an appeal to XXXX  on my credit score.

I have not heard back from Bank of America and it still shows on my account as one missing payment.
Product: Debt collection

In regards to phony collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by XXXX XXXX XXXX. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called WeberOlcese Attorneys & Counselors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. XXXX XXXX XXXX is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although XXXX XXXX XXXX initiated the procedure I have yet to receive anything in writing from this dummy corp.
Product: Checking or savings account

I deposited a check that is actually with chase bank as well. They put a hold on the funds until XX/XX/XXXX. I live paycheck to paycheck and this has not caused a financial hardship for me especially with the coronavirus pandemic were having right now. I would like my funds available now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602A. 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: Debt collection

I have asked Portfolio Recovery Collection Agency to not contact me by phone but only in writing to the address they have on file since XX/XX/2021. They have continued to call me and even argue with me instead of simply contacting me by mail only. I have a screenshots of just a few calls but almost daily I have been receiving phone calls from this company instead of them contacting me by mail as I have requested. They have even started calling old friends and some family members in attempts to contact me. Here is a log of the phone calls I remembered to keep record of. 
Wednesday XX/XX/2021 they called me at XXXX from XXXX Tuesday XX/XX/2021 they called me at XXXX from XXXX Sunday XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX XX/XX/2021 they called me at XXXX from XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach which concluded my information being exposed.
Product: Credit card or prepaid card

On or before XX/XX/XXXX, I checked my consumer credit report and noticed the credit limit on two of my credit cards had been significant decreased. When I called the credit card issuer, they said it was reduced because of a recent credit pull. One account with Synchrony Bank XXXX XXXX XXXX XXXX XXXX had a credit limit of {$4500.00} and was reduced down to {$1700.00}. Another Synchrony Bank XXXX XXXX XXXX account had a credit limit of {$2600.00} and was reduced down to {$1000.00}. 
This has drastically affected my FICO scores as I had spent months, even years, maintaining a lower balance to make sure by credit usage percentage was 30 % or below. Now it is reflecting a 95 % credit usage ratio which in turn has dropped by score by 40+ points. 
I did not receive a letter about the changes via the mail until this week. The letter was dated on XX/XX/XXXX. According to said letter, my XXXX credit score on XXXX was XXXX. My XXXX  score has never been XXXX. Other reasons for their decision was too many revolving accounts with high balances '' which is also false. " Too few accounts paid as agreed '' which would only be student loan accounts over 3 years ago. These accounts would have also been the same reporting when I was approved for the accounts. 
If my credit limit was to be decreased, the creditors should have given me a written notification BEFORE the account and allowed me time to pay the balances down so that I may not be adversely affected by the changes. The Credit Card Act of 2009 requires creditor to give me 45 days notice of any major changes. This bank performed a soft credit pull therefore I was not even aware of the credit review and did not send me written notification until after XX/XX/XXXX.
Product: Checking or savings account

I was told when I deposited my work check that I would have my funds available that following Friday, my boss called and cleared my check as well as the payroll provider, chase is being very unfair, Im going though a very tough time and Im going on a full week without my hard earned funds, Ive done everything I could do but they are saying they will release XXXX XXXX which is totally not fair at all
Product: Checking or savings account

I wanted to open Citi Priority account following this link : https : //banking.citi.com/cbol/priority/offer/default.htm? venue=GoogleBR & cmp=knc_acquire_2106_BAUCHK_Priority_Google_BR & gclid=Cj0KCQiAubmPBhCyARIsAJWNpiMG1y2vZJ_TCcRmbiglwYI6HgTTaWu8-sDqICXGWK-9rr-J7rLC-w0aArfcEALw_wcB & gclsrc=aw.ds & BT_TX=1 & ProspectID=B094A7EB13404DE69A8EADDAD9B2785C Provided all the information and then I got one obstacle which is more of a issue from Citi side as they have hired cheap XXXX XXXXXXXX XXXX  to do their IT work. 
Due that hurdle, it asked me to call on that # XXXX which i did but nobody was there. Then I got one rejection letter with the file number ending in XXXX but even if I call that number there is nobody picking up even after 45 minutes of wait time. The letter states that Citi is " unable to verify information on consumer report ''. Moreover Citi didn't provided which consumer report agency I need to reach out to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I mailed dispute letter regarding Bankruptcies that reflected on my credit report. I asked to verify the accounts, I was advised that they did verify through XXXX and the Court systems, this is incorrect. I have security freezes presently on my account so information as such who verified is inaccurate. I have requested to have this reviewed and deleted and the Experian has not done so. I would like to file a complaint against the credit agencies reporting such and stating that XXXX and the court systems as verifiers.
Product: Credit card

Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.
Product: Credit reporting or other personal consumer reports

The address on my credit report is wrong. Please add the coreect adress it is interferring with me obtaining credit
Product: Credit card

I want to start by reporting that I noticed a significant pattern of increased interest on my account. I called Synchrony because I noticed this pattern. I was told that my interest rate increased from XXXX % to XXXX %, unbeknownst to me. I did not receive any correspondence from XXXX about an increase in interest but I did receive a letter about a reduction in my credit line- go figure. I was told by XXXX and XXXX ( account XXXX ) that my account accrued over {$4900.00} in interest fees due to an expired promotion that ended in XX/XX/XXXX. In XX/XX/XXXX, I paid over {$1100.00} due to an expired promotion, and over {$600.00} in interest was reduced. I asked the account XXXX how Synchrony could accommodate their loyal customers. I was offered a " customer assistance plan '' which required the closure of my account ; and a " settlement offer plan '' which also resulted in the closure of my account. This is not the initial reason for calling in ( closure of my account ) ; yet, I was immediately offered this service and was belittled. The issue is not a repayment issue but the price gouging and insane interest on my account. The XXXX was very condescending. I am appalled by Synchrony 's inability to resolve this issue, even though I have been with them since XXXX. My goal is not to close my account ; rather, to reduce my interest fees. Deferred interest is a debt builder, and has always been an issue for consumers. The Consumer Financial Protection Bureau ( CFPB ) talks extensively about deferred interest on medical expenses and the amount of misleading information and burden to the consumer is astounding. Synchrony 's mission is to, and I quote from their website : " Creating financial and technology solutions to move our customers and partners toward their goals, on their terms. '' Their mission is dubious at best and seems to apply more towards their partners versus their customers. 

A complaint was filed with the XXXX  in XX/XX/XXXX with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Southwest Recovery Services, they did not provide me with the original contract as requested. 
I have contacted both XXXX and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY CITI CARDS/CITIBANK Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) XXXX
Product: Debt collection

My wife and I experienced difficulties with Citibank, after they bought my Best Buy credit card debt from XXXX. ( My wife use to be able to take care of the payments, while I XXXX, 6-8 weeks out from home ). Together, we were never able to reestablish online transactions, due to a change of her being authorized to represent me, once the website changed, and Citibank took over. Later, the monthly payments began to fall behind, after I had a major breakdown, of my XXXX, and it went into the shop. I tried to establish contact by phone, but their automated phone service would never allow me to talk to a live person. Citibank claims to have called us and never left contact information to identify themselves in XXXX. ( We use an answering machine to screen telemarketers, scams, etc, but we noticed a common tactic of bill collectors is they hang up without leaving a message. ) Apparantly, Citibank lost previous credentials when they bought the debt from XXXX within the prior 12 to 18 months, yet neither company verifed we knew of this debt transfer, and changed the debt amount without our awareness of underwritten terms of agreement, not to mention they changed their email address & discontinued my login credentials without my knowledge ( regardless, fine print that is difficult to read, should not be ethical in the first place ), then a few weeks ago, ( after I had become aware of all this ), I called CitiBank on XXXX, ( to give my cell number and attempt payoff of the entire balance by offering a {$1000.00} a week every consecutive week ), they said the debt is under review, and was scheduled to be sold on XXXX, to another debt collector. I said I was a XXXX Veteran of the XXXX, whose family has been in financial distress since my return home from XXXX in XXXX, but I 'm finally back to work as a XXXX, and I can get this debt paid in full within less than 4-6 weeks. I was under the impression they would contact me on XXXX XXXX, after I XXXX overnight a {$1000.00} check, but they sold the debt on XXXX, in spite of my efforts to stop the sale, and kept the {$1000.00} act of good faith payment, after it cleared the bnk on XXXX. They took the money on XXXX, after they said they would contact me on XXXX. I found out, after I called them back, on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX # XXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.
Product: Debt collection

Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.