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

I have gotten at least 4 notices of a decrease in my credit limit due to my credit score, however, I have done nothing with the card. I have reached out via phone multiple times to try and correct this account, but I have gotten nowhere. I was originally delinquent due to job loss from COVID-19, but not a single person that I have spoken to over the past 2 years have offered any assistance, or provided with me with the opportunity to sign up for the credit protection even when I opened the account, which is misleading and setting me up for absolute failure.
Product: Debt collection

I have contacted the company many times about this inaccurate debt and they have failed to provide original validation of indebtedness. This is defamation of character and i am very disappointed in this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out about this issue multiple times. They keep reporting old information that is more than ten years old to my credit report. XXXX XXXX XXXX was paid this new company added it to the report as open again I have not banked with XXXX XXXX XXXX since 2016. I also have seen many Many inquiries of which I havent personally done. My late grandmother had the same exact first and last name, I believe this is fraudulent. I dont have a vehicle or a home, Ive never had the credit to own a home, yet it shows inquired or having such. In the credit report, it says it is open, but it is not. The older reports I saved over many years, demonstrates that it was from 2016 and is over seven years ago. My credit score hasnt been near the XXXX or close to XXXX, its so frustrated since Ive started building credit Ive been denied housing, loans, cars, and much more because all three credit bureau cant handle reporting and following the law. Equifax, XXXX, and XXXX havent been reporting or updating their data and my file for many years and its demonstrating how incredibly negligent they have been with my information. I was also part of a data breach from XXXX and Equifax and I was supposed to be give 2-3 years of free credit monitoring and assistance with fraud and I never received ANY response or free monitoring ; I have been paying for XXXX monitoring services. Im really disappointed, if they arent doing their jobs correctly what is the point of consumer credit? Just the basics is hard for all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new hard inquiry on my credit report from comenity capital/ XXXX. I have not applied for any new lines of credit. I called comenity and spoke with a representative who spoke very broken English and couldn't understand that I was trying to say that there was fraud in credit report and she thought I wanted to make a payment. I asked to be transferred to their fraud department and my call was left on hold and never answered. I do have an open account with comenity through BJ 's which also has not reported to my credit report since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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 : Attorney General - Child Support have violated my rights 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 an account without my written instruction.

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: Mortgage

Nationstar mort. co. I have never been late with bills, my credit and my name speaks for it self, XXXX XXXX sold my mortgage to Nationstar mort, I paid my bill on line which i do every month XXXX XXXX acknowlege confirmation letter, then XX/XX/XXXX I started getting which I throught was crank phone calls, from nationstar stating that they were my new mort. co. then when I called XXXX XXXX XXXX they stated they will get in contact with NATIONSTAR, AND THEY WILL GET EVERYTHING CORRECTED, which they did not then there was late fees, ask XXXX XXXX, about the late fees, they do n't suppose be charging late fees, this went on for long time, XXXX XXXX. did not want to take on the ownership of there error nor did Nationstar, I am the consumer, fall the guy, I have never been so agitated in my life, consumer, this what I called rotten hand shake, I always tried to safe guard my name, and still do. but God bless me, to pay off Nationstar, I had 30 year mort. and paid if off in 22 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank XXXX XX/XX/8 unknown inquiring on credit report.
Product: Debt collection

I have a collection account on my credit report that show Commonwealth Finance is handling for XXXX services. I have requested several times for the said business to send me documentation of the said debt. I spoke with a representative on XX/XX/2016 stating that this debt was not mines and that I had never been notified of the debt. I also communicated to the representative that they had the wrong address on file and he claimed that I would receive a phone call/letter in mail regarding the debt. I called and spoke with a representative on XX/XX/2016 stating that I have not received a phone call neither have I received any documentation by mail. I have been disputing this debt for some time now and still have not be able to get the matter resolve. Still have not been able to receive any documentation showing I owe this debt.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S.C Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed that your office has again violated my privacy. Under 15 USC 1681 ( a ) ( 4 )
Product: Debt collection

The information appeared on my credit file without my knowledge. I do not know what debt or who this company is collecting on behalf of. I tried reaching out to the company and was given the runaround. No one contacted or even tried to verify information with me but suddenly submitted this collection to XXXX.
Product: Mortgage

On XXXX XXXX, {$5000.00} was debited from my escrow account to pay my annual homeowners insurance premium. My insurance company, XXXX, never received the payment. I first contacted Mr. Cooper on XX/XX/XXXX to make them aware of the missing payment. I contacted them numerous times, they kept telling me to wait. My insurance was going to be canceled so I had the insurance premium myself while the {$5000.00} was missing. I filed a notice of error with Mr. Cooper. They responded on XX/XX/XXXX, stating they would reissue payment to XXXX. As of today, XXXX still has not received any payment from Mr. Cooper. The money has now been missing for XXXX days. How long as I am supposed to wait? 

Mr. Cooper claims this is a bulk check, I wonder how many other customers are affected. What about the customers that do not have the means to come out of pocket for an additional insurance premium? If I did not have the funds, I would have lost my homeowners coverage.
Product: Credit card

On XX/XX/2016 I had a balance of {$1900.00} and XXXX purchase of {$24.00} made on XX/XX/XXXX. The {$4.00} posted to my credit card account on XX/XX/XXXX the same day as the interest charges for purchases and cash advance charges were applied to the balance. At this point I should have an available credit of {$51.00} but instead I have an available credit of {$14.00} which I believe to be wrong. Further I believe that I have been charged the total interest charge of $ XXXX twice and that leaving an available credit of XXXX
Product: Debt collection

Dear XXXX Im in receipt of your text message sent to me today at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 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 XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 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. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX has violated my rights 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.
Product: Credit card

I was approved for a PayPal card that can only be used online my limit was {$5000.00}. I kept the balance around {$1000.00} never missed a payment. I was using this card to work on my credit. Couple days ago I tried to use it to buy a book and it was declined I went to my account it now has my limit {$10.00} over my current balance making my card maxed out. I never got a phone call I never got a letter. I did everything I was told to do to build my credit. What took me months to do was destroyed in seconds.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
US DEPT OF EDXXXX XXXX XXXX. XXXX XXXX , XXXX . XX/XX/XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX. XXXX - XXXX. XXXX, XXXX has XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX violated my rights. 
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

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.
Product: Debt collection

I was sent a Letter from a collections agency for a medical bill. I sent them a verification letter and never heard anything back, I assumed it was over and done with. I applied for a car loan and was denied because of low credit, I looked and this collections company put a derogatory mark on my credit for not paying them a debt that I do not owe. I included a picture of the last medical bill I had that was from that year they claim I owe from and it was paid in full years ago.
Product: Credit card or prepaid card

XXXX has been notified to discharge the alleged debt and contract via signature and contract. This contract or loan has been deemed usury in the XXXX XXXX XXXX XXXX contracts defined. 
( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( XXXX ) As amended by chapter XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX which amended subsection ( XXXX ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Over the past 4 years I have had to work nonstop to deal with the crippling fallout from being the victim of identity theft. Up until recently my credit report was free of information that was the result of ID Theft. Unfortunately in the last week of XXXX a new account appeared on my XXXX credit report that was the result of ID Theft. A 605b block request was quickly sent to XXXX to have the information blocked from my credit report. A few days after the account appeared on my credit report, American Express began to treat me as a higher credit risk. On my Kabbage by American Express funding account they reduced my line of credit from {$49000.00} to {$30000.00} and increased the fee I would have to pay on future drawls from .25 % to 3.5 %. I also delayed a credit line increase request on my personal American Express card until after the ID Theft issue was cleared up. Around XX/XX/XXXX the account was successfully blocked and my credit report and score were no longer being impacted by the fraudulent account. I then waited a few more days to allow the updated information on my report to be sent to creditors who recently requested my credit report, including AMERICAN EXPRESS, AMERICAN EXPRESS XXXX, and AMERICAN EXPRESS XXXX. After a few days I requested a Credit limit increase on my personal Amex card but was denied because they used a credit report from XX/XX/XXXX, which included the ID theft information. I also attempt to ask XXXX to reassess my credit report and restore my line of credit and fee rate back to what they were before the ID Theft issue, but unfortunately they refused. I then spent 3 hours on the phone and was transfer 16 times each time being told the next person could help me but that simply was not true. To this day Amex is still using the XX/XX/XXXX copy of my credit report and has basically told me that I just have to deal with being held responsible for the ID theft actions until Amex decided it was going to pull a new credit report for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are forcing me Yo jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, the North Carolina Department if Justice and the XXXX XXXX XXXX XXXX Department, our local law enforcement division. 

XXXX and Experian both are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. 

Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Credit reporting or other personal consumer reports

I've noticed that my credit report has been affected due to the mixing of my personal information with the details provided on this webpage. It's essential to keep these separate to ensure accurate credit reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I seen the company Factual Data Inc had pulled my credit report. I am sure who this company is. I am requesting a copy of report from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax now *4 SEPARATE TIMES* regarding information that is incorrect on my credit report. 

There was information from a lender that was reported to all 3 bureaus incorrectly for 30 days past due. I  have gotten it corrected with XXXX and XXXX ; however, Equifax refuses to properly investigate the issue and is not fixing the report. I have provided proof, I have provided a lettter from the lender, I have followed the process of filing a dispute wit Equifax and they will not correct the issue. Again, the other bureaus report correctly - only Equifax does not.