23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Please delete the following closed accounts off my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Product: Credit card

Since 2020, my small business had a credit card with Bank of America with a XXXX limit. This card was used strictly for business purposes. The account was paid on time each month ( never late ) and then completely paid off in a lump sum payment of {$15000.00} and currently has no balance. My business never had one late payment on any debt owed. Shortly after the entire balance was paid, Bank of America sent me a letter stating that they had reduced my limit down to {$1000.00} due to a derogatory public record or collection and too few accounts paid on time. This was a complete fabrication. There have been no accounts, business or personal that have not been paid on time. There has not been one late payment on my credit either business or personal in over 10 years. The Derogatory public record they are referring to, was on my credit report from several years prior to applying for the business credit card and that record would have been a part of their decision when approving the credit line. In other words, they approved the credit card and gave me a {$20000.00} limit with the derogatory record on file. When speaking to the representative, they based a decision to negatively affect my business credit score because we only paid the minimal balance each month even though it was paid on time and we had just sent them a {$15000.00} payment to pay the balance in full. My business credit is being negatively impacted
Product: Credit reporting or other personal consumer reports

Today, I'm reaching out to address a concerning matter of identity theft that has significantly impacted my credit report. After filing a report with the Federal Trade Commission, as mandated by law, I've taken steps to rectify this situation. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, credit reporting agencies are required to promptly remove any entries identified in an identity theft report, specifically in this case, report # XXXX. I've attached relevant documents to assist in the removal of these inaccurately reported items. The following accounts were opened without my consent : XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$560.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$680.00}. Per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove such disputed entries within four business days upon receipt of the complaint.
Product: Credit reporting or other personal consumer reports

I was looking at my credit reports and notice there was things that are not correct. I sent a letter to Experian on XX/XX/. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX return tracking number : XXXX XXXX XXXX XXXX XXXX XXXX but its been more than 35 days since the credit bureau has not responded that violation of 15 US C 1681 ( a ) ( 1 ) ( A ). Under 15 USC, 1681 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and expect as provided in the subsection ( g ), if the completeness or accuracy of any information contained in the consumers file at the consumers reporting agency is disputed by the consumer D consumer notice is the agency directly, or indirectly through a reseller. Such of dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the dispute is information is inaccurate and recorded the current status of the disputed information, or delete the item from the file in accordance to paragraphs ( XXXX ), before the end of the 30 day period on the date on which the agency received a notice of the Dispute from the consumer or the reseller.
Product: Credit reporting or other personal consumer reports

I'm feeling XXXX XXXX XXXX XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Credit card

I am writing to dispute the reduction in my credit limit that was recently imposed by your company. The decision to decrease my credit limit is in violation of the protections provided under the 15 U.S. Code 1666d, which safeguards consumers against arbitrary credit limit reductions based on inaccurate information.

Upon reviewing my credit report and account history, I have identified inaccuracies that have led to the reduction in my credit limit. It appears that there are errors in the reporting of my payment history and outstanding balances, which have unfairly impacted my credit standing and access to credit.

As per the regulations outlined in the 15 U.S. Code 1666d, I urge you to conduct a thorough investigation into the information on my credit report and account history. It is imperative that these discrepancies are corrected to accurately reflect my financial standing and creditworthiness.

I request that you review my account and credit limit in accordance with the provisions of the 15 U.S. Code 1666d and take the necessary steps to restore my credit limit to its previous level. I have always maintained a good credit history and have abided by the terms of my credit agreement. 

I appreciate your immediate attention to this matter and expect a prompt resolution. Please contact me if you require any additional information or documentation from me. 

Thank you for your cooperation in rectifying this issue in compliance with the consumer protection laws under 15 U.S. Code 1666d. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

noticed fraudulent inquiries placed on my credit. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that XXXX XXXX/XXXX reported negative marks 30 days past due as of XX/XX/XXXX, XX/XX/XXXX on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX
Product: Debt collection

So I disputed this claim with XXXX XXXX and they removed it and then went a sold it to Credence Resource Management. This is fraud and not my accountant
Product: Credit reporting or other personal consumer reports

Midwest Fidelity LLC continues to report the Date of First Delinquency as XXXXThis is inaccurate. This date appears to coincide with the Due Date for an invoice dated XX/XX/XXXX, which shows a forwarding outstanding balance, and has nothing to do with Original Date of Delinquency. Per FCRA 605 and FCRA 623 ( a ) ( 5 ) ( A ), the Date of First Delinquency should actually be XX/XX/XXXX, as my account was never brought current after that date. Per FCRA 605 ( c ) ( 1 ), 7 years from that date would be XX/XX/XXXX and should no longer appear on my credit reports. Midwest is not thoroughly investigating this matter even after multiple requests to do so, and continues to inaccurately report information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX made a hard inquiry on XX/XX/year> to my credit report and my spouses, XXXX XXXX XXXX This inquiry was made in error and under false pretenses, and have requested numurous times it be removed. 

The reason for my request is that the creditor, XXXX XXXX , falsely advertised a mortgage rate to me that, upon further clarification, turned out to be in error. The misleading advertisement directly led me to inquire about the mortgage, which resulted in the credit check. This constitutes an unfair and deceptive business practice, as I was baited into running my credit based on inaccurate and misleading information. 

As this inquiry was not the result of my genuine interest or intent to proceed with the mortgage application, I requested that it be removed from my credit report. They refused Please investigate this matter and take appropriate action to ensure that it is removed from my credit report and my spouses XXXX XXXX. I would appreciate your confirmation once the inquiry has been removed.
Product: Debt collection

I previously submitted a complaint about Transworld Systems Inc who responded by sending me validation of the debt. The paperwork they have sent clearly shows that I owe NO money to the XXXX XXXX XXXX. I spoke with XXXX reps and they have NO open accounts for me. And they stated that they handle all collections in house and never send bills to outside agencies for collection. 

This latest harassment letter is threatening that interest may be added to the amount that they claim I owe. I am a senior and this upsetting correspondence has an emotional component since it refers to expenses connected with my mothers death. Your website is full of complaints about this company. Cant you make them stop?
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 or other personal consumer reports

American Express, Open XXXX, {$6000.00}, Closed Account , Company started reporting late payments on my credit report. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit card or prepaid card

All charges where valid til XX/XX/2021 at XXXX I began seeing confirmed text messages of unauthorized transactions as follows : XXXX PST XXXX charged to Emerald  card XXXX PST 486.00 charged to Emerald Card XXXX PST  XXXX charged to Emerald  Card XXXX PST 306.00 charged to Emerald  card I was at work and left to locate nearest XXXX  Back to extract all remaining funds with a teller in an attempt to avoid further loss of funds from pre-paid federal stimulus funds on card. The teller at XXXXXXXX XXXX  XXXX XXXX XXXX in XXXX XXXX, CA XXXX agreed it was suspicious and got her manager to approve a full withdraw. Since atm has a limit and the fraud could continue if funds remained. I made three final transaction and got text records with left the card open and zero funds on balance. I then contacted the call center XXXX to report the unauthorized activity. After several dropped/disconnected calls of what sounded like the same voices on rotation, I finally got approved for fraud investigation ( team ) initiated XXXX XX/XX/2021. Only after two business days, XX/XX/2021 at XXXX I received a brief text message denying lability and concluding a non-reversal decision to the investigation. 

I immediately appealed the decision at XXXX XX/XX/2021. I have yet to hear of any follow investigation status to date. I also reported the activity to the IRS and HR Block. 

I'm utterly displeased I was a victim in a breech of cyber purchases or related with large chunks of funds missing in under 5 minutes time. The criminals seems to had activity access inside of the merchant or H & R block to gain access to my card which was rarely use inside any retail stores. 

It remains a unfair loss for me and my family during our opportunity to rebuild post pandemic status at the expense of someone else 's criminal intentions to steal. Also, negligent on the service depart hired to represent the Emerald card and merchant to its millions of customers. Sadly failure to maintain, protective and serve its members with highest security measures would be front line scope during a pandemic preventing any further financial losses.
Product: Credit reporting

I have supplied Equifax with evidence, several times, that both of my tax liens have been paid. They have still not updated my credit report. Equifax is the only reporting service showing these liens in an unpaid status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.
Product: Credit reporting or other personal consumer reports

[ XXXX ] Experian Transunion Equifax Formal Complaint - Contract Violations and Misrepresentation of Financial Information** Dear Experian, This letter constitutes a formal complaint regarding Experian 's Equifax and Transunion violation of its contract with the Securities and Exchange Commission ( SEC ) and the resulting misrepresentation of my financial information. I have on file Experian 's fidelity bond number and SEC number for your company. 

I am writing to address several serious violations that have negatively impacted my ability to fulfill my fiduciary duty to file my taxes, including OIDs and XXXX forms, properly. Experian, Equifax and Transunion has incorrectly reported the selling of my securities, subsequently placing the proceeds into a fund. Furthermore, Experian has repeatedly and falsely reported that I have " abandoned '' this fund every 90 days. This is a gross misrepresentation of my financial activity.

I have provided Experian, Equifax and Transunion with all necessary documentation and updates as agreed upon to rectify these inaccuracies. This includes documentation related to my power of attorney, which should have prevented any misinterpretations of my investment activities. Despite my diligent efforts to correct these errors, Experian, Equifax and Transunion has failed to accurately reflect my financial transactions, creating significant issues with the IRS and hindering my ability to file accurate tax returns. 

These actions constitute a clear violation of Experian 's, Equifax and Transunion contract with the SEC. The misreporting of my securities transactions, coupled with the erroneous " abandonment '' claim, demonstrates a pattern of negligence and disregard for accurate financial reporting.

**Remedy Demanded : ** I demand the following actions from Experian to rectify this situation : 1. **Immediate Correction : ** All inaccurate information regarding my securities transactions, including the erroneous " abandonment '' claims, must be corrected immediately. My financial records must accurately reflect my investment activity.

2. **Confirmation of Correction : ** I require written confirmation from Experian detailing the steps taken to correct these inaccuracies and assuring me that similar errors will not occur in the future.

3. **Credit Score Restoration : ** As a direct result of Experian 's, Equifax and Transunion inaccurate reporting, my credit score has been negatively impacted. I demand that Experian take all necessary steps to restore my credit score to XXXX, the score I maintained before these errors occurred. 
4. **CFPB Notification : ** I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my financial interests.

Sincerely, All rights reserved UCC1-308 [ XXXX XXXX TTEE ]