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

This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/XXXX, I mailed to Amcol Systems Inc a letter ( attached ) in  which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/XXXX I initiated a direct dispute with XXXX requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor.

XXXX responded that the collection Agency Amcol Systems had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with XXXX, the furnisher of this information Amcol Systems went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/XXXX in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.
Product: Credit card or prepaid card

On XX/XX/18, XXXX reported to all of my creditors that they are reducing my FICO score to XXXX, prompting American Express to reduce my credit line from {$10000.00} to {$2300.00}. AMEX required that I pay {$3500.00} in one lump sum to keep my credit line. I noticed that my bank, XXXX XXXX XXXX. had changed my auto-pay due dates on several other creditors, making me late on several payments. I noticed that the XXXX due date was affected as well and called to assure them that they would receive a payment. I also inquired as to why they are reducing my credit line {$7700.00}. They maintain that it is because of XXXX 's reduction of my FICO, even though I have been an outstanding customer for many years. When I asked why they wo n't increase it because I have been a responsible customer, they said that the FICO score matters more than my payment history. I filed a compaint against XXXX, but it was not successful. 

I do n't have the time to continue my dispute with XXXX, but when I asked to cancel my XXXX account, they told me to cut up my card and that I would be liable for the balance. I do n't understand why, if I 've always been a good customer, am I being considered to be a derelict, ready to defraud them. On the contrary, any creditor who does n't honor the facts is doing business fraudulently. XXXX 's business practices are not based on sound policy, but are based on heresay and fraudulent information. 

The reps XXXX and XXXX are ignorant customer service reps as well. Thankfully, other creditors are n't following this kind of unreasonable business policy. XXXX needs to apologize to their good customers, in the least. 

XXXX XXXX
Product: Credit card or prepaid card

My card limit was lowered without me knowing and caused a XXXX point drop in my credit score because it was flagged for overuse.
Product: Credit card or prepaid card

DISCOVER OPEN A FRAUDULENT CREDIT CARD FOR AN IDENTITY THEIF USING MY IDENTITY, THEN PLACED THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I SUBMITTED A POLICE REPORT AND AN FTC IDENTITY THEFT REPORT TO THE CREDIT BUREAUS, AND THEY HAVE NOT REMOVED THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, Transunion, XXXX, and XXXX XXXX via their customer service teams but they will not help.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a notarized dispute letter dated XX/XX/2021. It is now XX/XX/2021 and there has been no response. According to the FCRA, if there is no response from the creditor within 30 days of dispute, the item must be removed.
Product: Mortgage

We had a mortgage with Wells Fargo and the home was foreclosed on in 2013. We were actively trying to complete a loan modification. 

We believe we should be eligible for a payment from the Wells Fargo settlement but have not been contacted or received anything. 

We contacted a Wells Fargo customer representative at XXXX and were told Wells Fargo is reaching out to customers and they were unable ( or unwilling ) to provide any additional information. 

Therefore, we are submitting a complaint to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is sending me offers indicating that if I pay a monthly service fee my credit score will go up.Equifax is suggesting that I should attain mortgage information on my report to increase my score yet, Equifax in turn declines me from being approved on a mortgage then turns around and sends me an email suggesting I pay a monthly fee to raise my credit score. Isn't that bait and switch? Using my personal data, because of my Equifax report can not get a mortgage then sell me product to raise my score. 

The practice of Equifax is manipulating the consumers score to their benefit, hindering the consumer from progressing forward. The consumer will no longer move ahead to to acquiring loans, credit etc. due to the manipulation of credit reporting agencies such as Equifax. 

Equifax offers no reasonable answer or direction as to how many points were gained or lost and or why. It is to their discretion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to TransUnion updating my personal information. I informed TransUnion that they were reporting inaccurate and outdated names, addresses, phone numbers, and employers on my consumer report. I also informed TransUnion that they have a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

On XX/XX/2022 TransUnion sent an updated consumer report with without removing all of the inaccurate and outdated addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm extremely disappointed in the way this company has treated me for not responding to the dispute I sent a couple of weeks back. This company has violated my rights, and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the situation I have my wife as an authorized signature on a couple of my accounts. The problem is she is just that an authorized signature. Now when we pulled up her credit reports these accounts show up on her report. Now when I signed her up I never gave any information on her social security number nor did they ask for it. Why do they have the right to put that on her credit report without a social security number? So if that is true then anyone in the world can put her name as a authorized signature and it will show up on her report and you would n't know unless you pull up your reports. This to me is a invasion of privacy and should not be allowed unless the primary person puts a social security number down. What is the fix to using an authorized signature.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Below are all the inquiries that need to be removed from my credit report along with addresses. I have only one address and one telephone number which XXXX XXXX XXXX, CA XXXX and my telephone number is XXXX. 

Below are the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the addresses that need to be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a formal review of specific accounts on my credit report, as they may not comply with federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my report is both accurate and legally compliant. 

Per 15 U.S.C. 1681, I am entitled to privacy and accuracy in my financial records : Section XXXX ( a ) affirms my right to financial privacy. 
Section XXXX ( a ) ( XXXX ) prohibits reporting accounts without my explicit written consent. 
Section XXXX ( a ) ( XXXX ) restricts reporting negative information older than XXXX years, except for criminal convictions. 
Section XXXX ( a ) ( XXXX ) mandates that furnishers only report verified, accurate data. 
In light of these protections, I request a detailed investigation into the disputed accounts. If they can not be fully verified with appropriate documentation, they must be removed immediately. Please provide written confirmation of your findings and any updates made to my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report. Despite my numerous attempts to resolve these issues, the following accounts remain incorrectly reported : This is my attempt to have these inaccuracies corrected. The persistence of these errors is causing significant harm to my credit score and overall financial health. I have provided all necessary documentation and have complied with every request for information in my previous disputes. Enclosed, you will find copies of my previous correspondence, dispute resolutions, and any supporting documentation related to this matter. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have these inaccuracies investigated and corrected promptly. I request that you could help me immediately remove the above-mentioned inaccuracies from my credit report and provide written confirmation of the removal of these items.These are the following accounts i want to be removed immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Debt collection

I have already filed a previous complaint for this company to stop calling me or my family or my job. They are refusing to STOP. The are constantly calling and using abusive language to threaten me to pay this debt that I do not owe them. I have already mailed them a request for verification of the debt and they refuse to send me a copy of the balance or payment history, what the debt was and where it was from, instead they insist on calling and calling and calling. They are calling my family and my work giving false statements and representations that I am being sued and that my wages will be garnished.
Product: Credit card or prepaid card

XX/XX/2020 contacted company to make XXXX Payment - accepted as paid in full. XX/XX/202, submitted XXXX payment - accepted as standard payment but still received bill requesting I submit another lesser amount for XXXX payment without acknowledging XXXX payment. Tried to make contact utilizing e-mail services only to be told to call operators. Covid-19 issue has overloaded phone lines but company insists that I call. Tried phone contact only to be coerced into automated system which has no parameters for this type of inquiry. Tried e-mail contact again only to be ignored. If I do not make SECOND monthly payment, I will be charged LATE fees due to their lack of responses to my questions. If I had unlimited funds, this credit card would be paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrote of the " debt '' as a profit loss and did not provide 1099-C 's on the account so that I can write it off as income, even though I have demanded it from them and referenced it in previous disputes with the credit reporting " bureaus '' that are not bureaus since CFPB is .

I need a 1099-C on the charge off account.

Under the FCRA, I can seek statutory damages if the creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting charge-offs while still claiming I owe a " debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FRADULENT iNQUIRIES ON MY CREDIT report ( IDENTITY THEFT ) XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 EXPERIAN REFUSES TO MOVE THESE FRADULENT HARD INQUIRES ON MY REPORT, IDENTITY THEFT FTC REPORT HAS BEEN PROVIDED, PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Credit Reporting Agency ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Debt collection

The debt agency Professional Debt Mediation , Inc is being unprofessional and using language or terminology that I find offensive especially coming from a professional. The reason for the sarcastic behavior is because of me attempting to utilize the law to dispute a debt. A debt that was utilized to hinder my future and any other chance of receiving funding for my business or any other essential expenses in life. 

I have given nothing but respect.. I can not allow someone to misinterpret my character in a manner that it clearly needs addressing. 

Professional Debt Mediation , Inc Has refused to negotiate the debt and not destroy my credit report.. by law the debt falls off in 2 years roughly.. I am offering the initiative to payoff the debt in exchange of the debt collection agency removing the account and allowing me to seek funding from banks or lenders to assist with debt consolidation.. 

Consumers have the right to sue and seek damages from credit bureaus, users of consumer reports, and information furnishers that act in violation of the FCRA. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Professional Debt Mediation , Inc Has caused significant damage to the patent that I have. The credit report has remarks that lenders and banks are not lending until my credit report improves.. 

Instead of receiving the debt paid back with interest.. for example if the debt agency will agree to recycle the debt and turn it into a positive remark on the credit report that I can start paying on similar to a loan.. therefore it will reflect a positive credit score with every payment.. this will allow banks and lenders to see a positive impact on the credit score. Instead the company chose to frustrate me with their choice of words. 

Im asking for assistance because I did not give this company consent to furnish my credit report in the first place. 

I demand that the credit report company accept the offer that both parties can agree to instead of attempting to destroy my credit report and preventing me from utilizing my credit to fund a business or to help with essential expenses in life. 

Or I will be forced to sue for abuse based on the unprofessional conduct. 

I attached copies of my evidence..
Product: Credit card

My balance is XXXX I tried to pay it in full. Pay it off. Synchrony said my bank did not allow it. My bank said they did no such thing. I have the money in the bank so thats not the problem. I am using the same checking account that I used to pay them their monthly payments and those always went through. But now that I try to pay it off they say they can't get it through. My bank has looked several times and said they never show anytime that they even tried to process the payment. I just want to pay it off.
Product: Credit reporting or other personal consumer reports

Continue to Report inaccuracies and misleading information on my credit report. These unfair practices and misleading representations are causing harm to my livelihood. XXXX representation of my account status or actions I have taken to address these issues. Lack of and transparent responses to my disputes as mandated under the FCRA. Accurate report of payments, collections, inquiries, and balance information. These practices have caused harm to my financial state and violate federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO ACCOUNTS THAT DONT THAT BELONG TO ME
Product: Credit reporting

My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting an old account as late when the account was paid into good standing and then closed. 

I have called multiple times and filed multiple disputes but nothing has changed. 

I called the creditor and they said they the account was settled into good standing and closed and that it shouldn't show a late payment on my credit report Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a number of addresses, employment under my name and I have only used 1 address. The information in my record is incorrect. I would like Experian, XXXX and XXXX to remove this incorrect info.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$XXXX} XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : {$XXXX}