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

TJMaxx Is refusing to give me a card with my middle initial or middle name. They are doing this because XXXX city and authorities leaked my inforamtion without my middle name. I believe they are letting people use my information without my middle name and it is affecting my credit and I am contantly having to prove my identity and proof of payment with the same name. I am not attempting to help people use my information. Please help use the right information. I do not want to use the wrong information on my card and I do not want to help others use the wrong informaion by providing an a accoint with you for others to use in XXXX. I do not live or have a coonection to XXXX, I moved from there in XXXX of 2018 please do not allow any one in XXXX to use my information.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and i am composing this complaint personally because i am a victim here. These credit bureaus are reporting inaccurate inquiries on my credit profile. I have tried to remove them with the agencies for far too long. They are not being helpful and the stain remains on my report. This is HURTING me. These inquiries are unauthorized. PLEASE HELP ME. I can never get through to speak to manager at Transunion as they keep me on hold for very long period of time. This is not right and unfair. Here they are! 

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

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Equifax and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX date opened XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$1000.00} 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 reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving calls from the number since XX/XX/2021. They also called on XX/XX/XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, the caller ID was Unavailable. XX/XX/XXXX, XXXX and XXXX are Spam. XX/XX/XXXX is Account Services. I called the number on my cell phone and they identified themselves as Genesis FS Card Services. I have never had an account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies were made aware of identity theft and fraudulent accounts on my consumer report. They failed to follow procedures to investigate and validate those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX  ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6. XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX   account ( # XXXX ) 8. XXXX account ( # XXXX ) 9. XXXX XXXX credit record ( #  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two delinquent charge off accounts on my XXXX and Transunion credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to XXXX and transunion that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.
Product: Bank account or service

Synchrony Bank has been calling me XXXXXXXX times a day at all different times and for 7 days a week. This week they started using their own name before they used a restricted number which did not show who was calling and this has been going on for over 6 months. XXXX : the account that was behind was Walmart but they lowered the limit on another account called Paypal which at that time was never behind. But I am not going to pay anything on Paypal until they change their actions. Walmart is being paid on schedule and every month. They call me at work, before XXXX and after XXXX They use an automated dialing system which no one is on the other end of the line except a computer until you answer the call. The computer does leave a message but still it is a computer. They changed the calling name from Restricted to Synchrony when I told them not to call me anymore. This is getting monotonous and repeititive I am past tired of all this. I would be glad to pay them if they would quit bothering me but as long as they continue to call XXXXXXXX times a day and sometimes more I will not. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems placed 8 credit issues on my account. 5- {$210.00}, 2- {$220.00}, and 1- {$420.00} with the exact account # XXXX. I reached out to them a while back and they could not verify my information. To see what was the amount that I owe. I appears to be an amount from XXXX XXXX XXXX XXXX. I filed a complaint with XXXX to get this removed. They show XX/XX/2022 being the status date. This just appeared within 6 to maybe 8 months ago. Very upset and want to see what's my legal rights to this form of harassment.
Product: Credit card or prepaid card

XX/XX/XXXX, I placed two online orders. # XXXX # XXXX. Delivery notification provided XX/XX/XXXX however when I returned home that evening nothing was deposited at my front door. Immediately I reached out to Customer Care who apologized and said the delivery would be investigated and a replacement order would be forthcoming. XX/XX/XXXX, I received an email that my replacement would arrive in 2-3 days. When the replacement order arrived, I was surprised to find it incorrect. Once again, I contacted Customer Care who advised me to return the order in full to a Bloomingdale 's location near me. 
The very next day I took the merchandise to Bloomingdales XXXX XXXX, CA store. XXXX XXXX, Handbag Manager assisted me with my return. I was advised to leave the merchandise with her and the return would be processed however as merchandise is not from her store she would not be able to provide me with a receipt for my returns. I asked XXXX XXXX if the merchandise would be credited before my payment would be due and I was assured it would be no problem at all. 
My current bill is past due with late fees charged after I spent over an hour on the telephone XX/XX/XXXX with XXXX, supervisor on duty explaining the horrific situation. Not to mention my surprise when it appeared my replacement order was never returned! Since I have received notice the merchandise has been returned however I'm still being billed with interest charges. 
The past 3 weeks or so Ive had repeated phone calls from Bloomingdale 's Credit Department even though I sent a hard copy letter with documents to them on XX/XX/XXXX. 
I have found that Bloomingdale 's has zero accountability for mistakes made within their company. 
Further to their incompetence, I received a letter stating my credit limit was being reduced due to lack of payment. Absolutely incorrect once again.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report with the JCS reference number XXXX. As previously communicated and in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I have validated that this debt is not mine. 

Under Section 609 of the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Upon thorough investigation and verification, it has been confirmed that I am not associated with the debt in question. As such, it is imperative that this inaccurate and erroneous information be removed from my credit report immediately. 

I hereby request that you take the following actions in compliance with the FCRA : 1. Remove the collection account with the JCS reference number XXXX from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) without delay. 
2. Cease all further reporting of this inaccurate debt to any credit reporting agencies. 
3. Provide me with written confirmation once the collection account has been removed from my credit report. 

Failure to comply with these requests within the required time frame may result in further legal action as provided for under the FCRA. 

Please be advised that under the FCRA, you are obligated to conduct a reasonable investigation into the accuracy of the information you report and to correct any inaccuracies promptly. The inclusion of inaccurate information on my credit report can have significant adverse effects on my financial standing and opportunities. 

Thank you for your immediate attention to this matter. I expect confirmation of the removal of the inaccurate collection account within 30 days of the receipt of this letter.
Product: Debt collection

I co-signed for my sons XXXX business which went bankrupt shortly after I settled all of the debts except for a vehicle that was being used by my sons business partner who kept the vehicle while they were trying to locate him.When they finally did get the car back they sold it at auction for considerably less than market value declaring I was responsible for the balance which was XXXX dollars which I didn't think I was, this was in 2008 .never received any correspondence until recently, when they say I now owe them almost 50.000 dollars which was interest added, I can not meet this financial burden as I am XXXX years old and still working to pay a mortgage and other household bills. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX account partial account number XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to dispute an account ( XXXX - XXXX ) on my report on XX/XX/2023. This company never sent a 1099 as well as furnished MULTIPLE discrepancies on report including date of last payment, last active etc. The account was charged off but there was still a past due balance. They stated the information was verified but was not able to produce how the information was verified. This company was also inaccurate with my payment HISTORY. I disputed this account with all 3 bureaus and urge this account be deleted for violating 15 usc 1681eb.
Product: Checking or savings account

I had closed my accounts at bank of America. Sometime later they reopened my accounts when a company wrongly charged my account. They stated because of this, they opened my accounts again without my permission or knowledge. It lead to multiple overdraft fees. Then a company disbursed a refund check for over {$600.00} directly to this account which bank of America applied to my multiple overdraft feess. They refused to refund the fees or the money that was deposited. In addition. When I opened a checking account with them, they took it upon themselves to open another account which again I had no knowledge of and did not give permission to do so. They then charged me fees for this account when I wasnt depositing money into it.
Product: Debt collection

Midland Credit Management has purchased many old debts from previous lenders of mine and claiming amounts I do n't owe. In some cases, they are somehow updating debt 's last activity and keeping accounts that are over 7 years of age on my file. 

Someone needs to monitor this company, they are asking me to write a letter and accept all the debt, before even negotiating with me to resolve it. I am being victimized by this entity, I am a father and supporter of many. My fico score is being very heavily affected and life is more expensive for me. 

MCM XXXX
Product: Checking or savings account

I am not sure about specifics but I'm absolutely positive that I've had money trouble possibly some my fault but not always I've been paying over draft every month since 2011 XXXX XXXX XXXX yrs LEGALLY OR NOTadds up to over XXXX $! I contacted XXXX XXXX and they dropped me for whatever reason but if their is a little part ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ABSOLUTELY POSITIVE THAT I AM QUALIFIED FOR WHATEVER THE AVERAGE PAYOUT WAS NOT BRUSHED OFF BECAUSE OF FANCY LEGALEZE INSIDER PRIVILAGE XXXX AND XXXX CONCOCTED With AAA The POINT IS I WANT MINE TOO
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Someone fraudulently opens a credit card in my name with XXXX XXXX XXXXor XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 
The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2
Product: Checking or savings account

There is a gambling wallet called Skrill, on XX/XX/XXXX there was a fraudulent transaction and ever since then they have locked my account from making transactions. For the first few weeks, it was just locked and I couldn't access it while I did a bunch of unnecessary security measures, then after it was finally unlocked I was still not able to make any transactions or use the card they gave me. 

At the time of this message there is {$4200.00} in the account. I have reached out several times to them and they keep saying that my case is " under review '', however it has been far too long for me to believe they aren't trying to just rob me at this point. They will not respond for weeks at a time and calling their XXXX customer support number usually leads to me not getting through to anyone because there is no available customer support agents.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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

JcPenny Credit Card company sent my debt to collection agency XXXX XXXX XXXX XXXX. representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$580.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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

Transunion is tarnishing my consumer report by, displaying inaccurate information XXXX account number XXXX. This is information is false and is interfering with me receiving a loan.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXXXXXX XXXX account number XXXX XXXX XXXX Bank XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX Also these addresses are not mine either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 64510 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 XXXX not furnish an account with my written instructions.