23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed for XXXX  XXXX in late XXXXXXXX XXXX Sychrony Bank continues to send me bills about a debt, but it was covered in the bankruptcy case. I actually paid that bill on XX/XX/2021, and have the bank statement to prove it, but the Bankruptcy Court confiscated that payment to disperse to other creditors. I have forwarded this information to Synchrony Bank, but they continue to send bills to me.
Product: Student loan

I am formally requesting the discharge of all private loans associated with school misconduct at The XXXX XXXX XXXX  XXXX. I have been approved for Borrower Defense to Repayment ( BDTR ) for this institution due to a group discharge resulting from federal action against the school. The total amount of my private loans is approximately {$20000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding an account with Credit Acceptance. The account was closed in XX/XX/year> following a total loss event and payment made by the insurer. Despite this, Credit Acceptance is falsely reporting the account as open. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request a thorough investigation of this matter in accordance with federal law. Specifically : 1. 15 USC 1681i ( a ) ( 1 ) : must respond to this dispute within 30 days of receipt.

2. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : I demand adherence to proper investigation procedures, including providing the results of the investigation and documentation used to verify the accounts accuracy.

3. 15 USC 1681i ( a ) ( 5 ) ( B ) : the disputed information was previously removed but reinserted, but never notified me within five business days and provide certification of its accuracy. 

Please update my credit file to reflect the accurate status of the Credit Acceptance account as closed and provide confirmation of the changes. If you fail to comply, I reserve the right to take further legal action to protect my rights. 

Attached are supporting documents, including a copy of my report with the disputed entry highlighted. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX my credit report and I saw fraudulent accounts open on, my name I never apply or have any business with this creditors, this accounts have to be removed XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for XXXX to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. XXXX was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to XXXX.
Product: Mortgage

XXXX Loan Application submitted with all required documentation XXXX Loan disclosures by the lender signed by us XXXX Closing disclosures signed. More documentation required after Closing Disclosures already signed XXXX Interest rate lock of 2.875 % expired XXXX 95+days after I submitted my application.. .my loan was 'still pending '. Due to inaction and endless/duplicate documentation request by XXXX XXXX XXXX and OCMBC, the lender, I terminated our loan application by email.
Product: Debt collection

In XXXX I purchased a dog through this company we agreed on {$2000.00}. They auto drafted the funds from my bank and verified accounts. In XXXX  I was admitted into the hospital for XXXX and lost my job. I had not contact. I had an ongoing investigation with my work to grieve my job. This company did not allow me to enter my new bank account during the pandemic time period and now overcharged me. Can we please dispute and delete this from my report. I reported to the company multiple times. They have harassed me and threatened to charge me {$8000.00}. I have no contract nor a signature to owe this amount of money. I have been asking for information to read any contract. During the pandemic they stopped contacting me. I need help deleting this {$6600.00}. I did not omit to these charges.
Product: Credit card

I filed a previous complaint in XXXX of XXXX about Citibank decreasing your credit limit without notice and without cause. I am a paying customer, with a decent ( but declining due to these issues ) credit score, who pays on time consistently. Now they have done the same thing AGAIN.

Citibank is decreasing the credit limit they initially extend to you without notice or reason. They are decreasing it either to your current standing balance ( leaves a {$0.00} credit balance ) or under your balance ( making you over the limit ). 

If you are using your card without this knowledge, then you are going over your limit. This allows them to increase your interest rate and charge your over the limit fees. This is a money scam. If they are doing this to all their customers, the amount of fees being collected is enormous! 

The extension of credit is not truthful if it can be decreased without cause. They hurt your credit score and then penalize you for something that they created alone. 

I paid my bill on my account ending in XXXX on the XX/XX/XXXX. At that time my credit limit was XXXX. My credit use balance was {$15000.00}. My available credit was {$6400.00}. When I checked my account on the XXXX my credit limit had been reduced to XXXX and my balance was {$16000.00}. Unaware of the balance change I used the card to pay for a service. With the interest accrual and new credit limit I am now over the limit. Which allows them to charge me more fees. At the current time by credit score is XXXX ( as it appears on my Citibank account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to provide additional information from undeniable documents. Please see file attached as Equifax has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to Equifax online but was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, bank of america, XXXX XXXX  and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.
Product: Debt collection

Do not know of this debt I spoke with someone from collection agency telling them I have no knowledge of this account I am being harassed with phone calls about this account I have no knowledge of I live in XXXX account was opened in Nevada
Product: Credit reporting, credit repair services, or other personal consumer reports

Illinois department of human services stating that I owe {$840.00} I havent reside in Illinois for over 37 years This account was put on my credit by Harvard collection agency XX/XX/2023 It state that the account was open on XX/XX/2023 This fraud. I have not open any account with the state of Illinois.and dont owe any money Someone else must have my information receive benefit in Illinois I have not In 37 years, I havent received any letter stating that I owe the government any money. 
I called Harvard collection agency at XXXX XXXX They said that they receive it from the Illinois Department of human services.
Product: Credit card or prepaid card

I received a copy of my credit report and found the following item to be errors Here as follows are items in error : 1. The late payment from XX/XX/XXXX is inaccurate CBXXXX I sent out a letter on XX/XX/XXXX and still have not gotten a response it has been over 30 days. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

Fraud was alerted on this credit card. Multiple charges were made from starting end of XX/XX/XXXX to month of XX/XX/XXXX. XXXX charges were made that are being determined valid. The credit card company is stating that it is valid because they determined that the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. The dates and amounts are as follows : XX/XX/XXXX XXXX. {$97.00} XX/XX/XXXX XXXX. {$96.00} XX/XX/XXXX XXXX {$96.00} XX/XX/XXXX. XXXX {$95.00} XX/XX/XXXX. XXXX. {$95.00} XX/XX/XXXX. XXXX {$99.00} XX/XX/XXXX. XXXX. {$95.00} XX/XX/XXXX. XXXX. {$94.00} XX/XX/XXXX. XXXX {$95.00} All these charges were made in states other than NJ where I reside in. I can provide bank statement showing a purchases made in NJ on XX/XX/XXXX. On that date the charges were allegedly done in TN. I have a reservation email of charges on XX/XX/XXXX where I was in XXXX XXXX using the XXXX blue card at check out. Along with XXXX XXXX charges showing I was in NJ but the charges on that date allegedly state I was in MA. I also have an XXXX XXXX  showing on XX/XX/XXXX that I was on the NJ XXXX. On XX/XX/XXXX the alleged charges were stated that they were made in Oregon. As we explained to the credit card that these charges are fraud.
Product: Credit reporting or other personal consumer reports

My Transunion report features the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$970.00} Last Payment Amount {$0.00} Original Amount {$970.00} I have never signed up for this debt, but when I started the dispute with Transunion, the investigation supposedly determined that the information is accurate. Although I subsequently repeatedly requested the information this determination is based on, I was denied, while the derogatory incorrect remark has stayed on my report significantly diminishing my credit score and resulting in new credit rejections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. please review all invalid data that is hindering my file. this has caused alot of errors an declines. please remove all information
Product: Debt collection

I have a very old debt from XXXX XXXX XXXX. The total balance is {$1700.00}. The original amount of the payday loan was {$800.00}, but they added fees. The debt is from roughly XXXX or maybe XXXX. It could be from as far back as XXXX. The debt was sold to XXXX XXXX XXXX. When I called them recently, they told me the debt is now with Delray Capital LLC. I tried to call the phone number I was given for Delray Capital, but it was given an automatic recording that the number or phone I had dialed was incorrect. 

Today, I received a voicemail from a woman using a local phone number : XXXX, telling me that a complaint had been filed against me in my district court, and they were trying to reach me to serve me with papers, so they needed my address. When I called the number back, I spoke with someone named XXXX XXXX and he stated he was calling with XXXX XXXX XXXX. He told me that a lawsuit was being initiated against me for financial fraud. I asked him what this was regarding, and he told me it was regarding my {$1700.00} balance with XXXX XXXX XXXX. He attempted to get me to pay the balance, saying if I waited, I would have to pay legal fees. I told him I would call him back. He gave me a phone number to reach him : XXXX. 

I am an XXXX myself, a recent XXXX XXXX XXXX, so I knew something was up. After doing some research, it appears that Delray Capital and XXXX XXXX XXXX have been the subject of a recent lawsuit for violating practically every provision of the Fair Debt Collections Practices Act. I am convinced that this same company was behind the call I received today.
Product: Debt collection

this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX. 
Stating again they are representing HSBC. 
this man openly admitted the account is 9 years old and when I asked him what Statue of  Limittations were in California couldn't give me an answer. 
he wanted me to accept a XXXX for the debt in which I refused and hung up. 
I would like action taken against this company and XXXX XXXX. for selling my personal information. 
I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.
Product: Credit card or prepaid card

i have XXXX XXXX card it was past due. the total limit of the card is {$700.00}. 
i have paid since XX/XX/2020. {$660.00} the balance still i have {$540.00} the total amount of late fees charged : {$380.00} total interest charged : {$160.00} Total interest paid : {$170.00} i can not use my card. it is closed but still charging the interest. for {$700.00} limit i have paid {$660.00}.

in this hard time it is unjust to take so much money from me. i tried to contact the company but no help. two times they hang up on me. please help me to close this account and stop the company charging too much money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 'snail mail ' address disappeared from the report. I called to dictate a valid " physical '' address to replace the fault. They entered it incorrectly. They refuse to correct it because it is international. BUT THEY ENTERED IT BY TELEPHONE WITH 2 TYPOS. 
THEY insisted that I send documentation by snail mail for the change. I did - exceeding their requirements. 

My 'snail mail ' forwarding address, previously on file " disappeared '' - should re-enter. 
XXXX XXXX " XXXX '' XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX My " physical international address '' which was entered with typos.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX they entered " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX., XXXX Misspelling XXXX, and IDing XXXX as my state. 

further XXXX is an invalid tel invented by them. 

Further, by slip of the tongue, their operative told me that, 1 ) because I live in another country, and 2 ) because it has its own reporting system, they have no authority to report on me. Only historic data could be maintained. 

It has been 6 months. they are in violation. their report number is XXXX
Product: Credit reporting or other personal consumer reports

I got a copy of my consumer report and seem information XXXX dont recognize and need it removed immediately
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$700.00} - tied up XXXX  XXXX XXXX Balance : {$630.00} - tied up XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Amount past due {$570.00} XXXX XXXX 15 USC 1692 ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX )
Product: Debt collection

On XX/XX/XXXX I rented a car with XXXX in XXXX FL airport. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ) Rental agreement XXXX Confirmation No. XXXX. 
It was a XXXX XXXX  XXXX XXXX. Paid with VISA. XXXX XXXX No. XXXX with 24335 miles. At that time I only received the contract ( included ) but nobody walk with us around the car to check for damages and I did not see any, nor I received a template with the car and damages if there were any. I returned the car on the XX/XX/XXXX at XXXX XXXX  at the same location. An employee greeted me, walked around the car like checking it and asked if I wanted a driver to take me to the airline departure door. I was pleased because my son was just released from the hospital and he wasnt feeling well. I sat in the passenger seat and the employee-driver transported us to the XXXX  terminal in the same car. He opened the trunk and proceeded to unload our luggage. Gave him a tip and he left. One month later I received a call from XXXX  XXXX XXXX   : XXXX informing that I was responsible to pay XXXX $ for damages caused to the vehicle I rented with XXXX   while in my possession a d that I should send the check to XXXX   XXXX XXXX. I was surprised because I did not even see the damage nor I was contacted by XXXX  to informed me of this problem. I said I was not going to pay unless they sent me a prove that the car was in my possession when the damage happen and no after the employee returned the car to their office. This driver could have seen the damage when he opened the trunk to retrieve my luggage. He never said there was any damage in the car. Included is the claim from XXXX  XXXX, XXXX XXXX, Claims Recovery Assistant. I never received a claim from XXXX. They sent me the bill and a picture of the damage. 
I will appreciate very much if you can guide me in what to do with this claim since I think is not how the rental companies should operate. Who can assure me that it was their employee returning the car to their office who damaged the car. 
Sincerely
Product: Credit reporting

I reached out to Equifax regarding fraudulent/unauthorized inquiries on my account. I was told to contact the creditors listed which I did but they were unable to help me since they either no longer had the information, or redirected to me to contact Equifax again. Today, XX/XX/XXXX, when I reached out the agent told me to get the inquiries removed I needed to file a complaint and fax it over so they could get this inquiries removed from my credit report. Below I have listed the names and dates on the fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX & XX/XX/XXXX
Product: Debt collection

Portfolio Recovery is attempting to collect a debt that was settle and paid to True accord in the amount of XXXX paid XX/XX/year>. Portfolio Recovery is stating that the debt was not paid and is asking now for XXXX for the same company XXXX XXXX XXXX XXXX. I asked for validation of debt and to date I have not received an answer.
Product: Checking or savings account

my bank jp morgan has yet to credit my account for an amount of XXXX dollars that was sent by a company known as XXXX XXXX XXXX here in XXXX XXXX XXXX new york. This amount was presented to the bank on XX/XX/2019. This amount was confirmed by the XXXX XXXX  XXXX department of consumer affairs after a thorough investigation. That amount in question was never released by the bank to me. I am asking your agency to assist in securing the amount in question.
Product: Debt collection

I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote Equifax and XXXX  requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX XXXX XXXX 3. Remove all employers from report because I am self-employed. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX On XXXX, I wrote Equifax and XXXX  informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and accounts.