23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account that is with Capital One was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from capital one that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing XXXX date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my XXXX credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my XXXX in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I have paid my bills on time and have a good relationship with my creditors. However, my new Dicks Sporting Goods Credit Card issued by Synchrony Bank lowered my available credit by XXXX % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Product: Checking or savings account

On XX/XX/XXXX, I filed claims with Bank of America because I noticed unauthorized withdrawals from my checking account. These transactions were fraudulent, and money was sent from my account to someone elses XXXX account. One of the transactions was for {$6300.00}. Despite providing all necessary information, Bank of America denied my fraud claim. I need this money urgently, as I was recently laid off and can not afford this loss. My money was stolen, and I need to be protected and reimbursed for these unauthorized transactions. 

This description includes the necessary details without including personal information.
Product: Debt collection

First this law office led me to believe he can collect, he is not can not do this in New Jersey, I ask for the account to be validated I do not agree with the amount, I was willing to pay the assist agreed now in the letter he says he will still sue? this doctor was not the doctor that did the service, he was a back up which to discharge my wife and he was not in our plan. I did not know this I feel the real doctor should pay him due to the fact he was already paid for the service with my Ins.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$4900.00}
Product: Checking or savings account

Today XX/XX/year> i made a deposit on my checking account for {$160.00} and after i made the Deposit i noticed that my account was closed and could not use XXXX or Transfer money on my online banking because i keep getting and error no active accounts available to use XXXX  and I contacted Citizens bank and they also told me over the phone that the reason i could not use XXXX  because my account was closed and i never requested for my checking account to be closed This was something that was done without my permission.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered 50 XXXX face masks from XXXX to help with this coronavirus pandemic. Shortly after, I received a package from them but it wasn't face masks, it was a box filled with newspaper. I submitted a complaint to the website to no avail, then I went to my credit card company, Discover. Discover investigated my dispute and then went on to side with the medical supply company simply because they sent proof that they shipped a package to me. I know I got a package, but the problem wasn't me not receiving it, it was the fact that I was scammed and I received NEWSPAPER rather than the face masks I ordered.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

i have been banking wells fargo 9 years. in that time i have not bounced much at all this past year i did and it was due to mortgage making a mistake. right now as of this writing i am minus XXXX dollars as my tenant breached her lease and did not pay me at all.XXXX for many years i did not receive. before that she paid partial payments. for last 2 months. i never forecast this and as such payments had been scheduled in advance. inc a payment for the house. that she did not pay. Proper review of this matter to prove this is not my history would reveal that XXXX there. no one took the time to do this. leaving the fees guarantees i will cotninue to bounce. making the whole situation a lot worse.all the scripts i get are unbelievable. no one sees i am responsible and had i known my tenant would not pay at all i would have taken steps. i did not know. now i do. i will need all fees back and for the bank to see this is NOT my conduct or record and that i usually get XXXX at this time.
Product: Checking or savings account

Wells Fargo representative called and left a message. I called Wells Fargo and they could not locate the person leaving the message and suspected it was a spam call. A secure email was received and I called Wells Fargo to confirm authenticity and they advised me to send the email to their reportphish email address and never heard back. 

On XX/XX/2021 my business checking and my personal savings account were closed without any notice. I visited a local branch and they could not help. I was advised to call a number that would leave you on hold for a representative for 8 minutes then a recording would say the office was closed due to Covid. 

I received my money via XXXX  a week later. 

On XX/XX/2021 my regular checking account was closed without any notice. This account has my automatic payments scheduled and my paycheck is auto deposited.
Product: Credit reporting or other personal consumer reports

NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY XXXXXXXX XXXX AND TRANS UNION ATTN : XXXXXXXX XXXX AND TRANS UNION XXXXXXXX XXXX performed two illegal credit inquiries on my credit file with Trans Union between XX/XX/2023 and XX/XX/2023. A copy of the most recent unauthorized inquiry is attached in the form of a letter XXXX sent admitting they illegally checked my credit. 
I never gave XXXXXXXX XXXX permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. Trans Union I did not give you permission to let XXXXXXXX XXXX  check my credit without my written knowledge or consent. 
In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' Using the attached Fair Credit Reporting Act, I am requesting both XXXXXXXX XXXX and Trans Union state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition Trans Union, I placed a temporary credit freeze on my Trans Union file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. These illegal credit inquiries show inaccurate accounts that Trans Union knows are inaccurate. These illegal inquiries resulted in adverse actions including the approximately 10 % reduction of the credit limit on an XXXX store card.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to despite my previous communications regarding the correction of a late open account. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$100000.00}.
Product: Debt collection

The representative of this company told me that they would garnish 45 % of my wages if a payment was not made within 40 minutes. The debt in question is not mine. The debt in question is in my husbands name. This was an attempt to scare me into making a payment. When I questioned this I was told that the company Foster and Monroe purchased the debt and were working in prelitigation on behalf of the U.S. Military and could start garnishing my wages on Monday without a court order. The collector called the company XXXX XXXX, but when I asked for the website he said Foster and Monroe. The collector also called me back to let me know that he knew where I worked and would have to contact them to start the wage garnishment. This debt they are referring to was acquired in XX/XX/XXXX, I married my husband in XX/XX/XXXX and I live in Georgia which is an equitable division state. Not to mention I was XXXX when the debt in question was acquired and legally not old enough to acquire such a debt. This is a scam and scare tactic to collect a purchased debt 16 years later by contacting a 3rd party.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : { XXXX } { XXXX } Date of Charge-Off : { XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX } XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2022 my Sallie Mae credit card was fraudulently used in XXXX  at a XXXX XXXX to purchase over {$900.00} in products. I live in XXXX and have never been to XXXX outside the XXXX XXXX. Sallie Mae approved this large {$900.00} transaction in a different state when the credit card hadn't even been used the prior 2 months. The XXXX XXXX employees allowed a purchase to be picked up without verifying ID or credit card. I did not authorize or approve this transaction, nor did I share my personal and credit card information ( other than typical online purchases ) with anybody to allow for this transaction to happen. I reported the fraudulent transaction to Sallie Mae immediately. They cancelled the card, sent out a new one, and started the investigation. A month passes and I receive an email from Sallie Mae stating that they believe this was a valid transaction. And because I know it's not, I am disputing their investigation. Under no circumstances will I pay this bill to Sallie Mae. I will take them to court over this if I must, they will not ruin my flawless credit history with their inept investigation. A week before this Sallie Mae fraud I also had 3 other credit cards that were fraudulently used- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the attached letter I add more info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed and called Rise Credit XXXX to get them to remove the 30 day delinquency from an already paid off account, they initially saw that they made a mistake and said they would get me their dispute team to their dispute team trying to tell me everything was correct when it was and still is not reporting correctly. I tried to give them a chance to correct their mistake but I wouldnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian about how to go about taking my name off my husbands credit card, I explained ( with my husband sitting there with me ) that I have my own credit card ending in**** credit limit XXXX my husband has his own card ending in**** my husband said his card came with my name on it and he didnt know why and to take it off because I had my own. The man informed me to file a dispute that he did for me over the telephone. When I checked the results I realized he took my card off my credit so I called XXXX XXXX tried to explain the situation I was sent to the fraud department I explained that Experian took the wrong credit card off my account the one that was taken off was my card I was told the card is marked as fraud I can reapply if I want but the card I was calling about is fraudulent.I gave the all my info to verify who I was and was told nothing I could do, I asked how to make a payment because I have one coming due and I was told I couldnt make a payment because its a fraudulent card ... I called over 5 times trying to talk to someone I explained to these people there was a mistake on my card its not fraudulent its mine. I was hung up on several times I was told to fax a notarized letter with 2 ids saying it wasnt fraud ..I called to see what I could send because my social security card hasnt came yet and was told by a man that I could not fax it I have to mail it he gave the address but wouldnt tell me who I need to send it too he said it wasnt the fraud department but a different department he couldnt give me a direct number because he said there wasnt one and he said he would transfer me after the second time being on hold I was hung up on again I am so angry that I cant anyone at XXXX XXXX or Experian to listen to me I have phone records to show all the calls I made to these people .what can I do?
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the Federal Education Director saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer American Educational Service ( AES ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent AES a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear AMEX, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that AMEX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent o

f the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscor
e the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for AMEX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AMEX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AMEX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

XX/XX/2022 - Someone requested a credit card at Bank of America under my name and was granted {$6200.00} credit limit on card. 

This is NOT me and i do NOT bank with Bank of America and did not request this credit card/line of credit. 

I think this is a part of Identity theft/fraud as not only has this been opened but other checking accounts with different banks have been opened in my name as well. I have made contact with those Banks to close/freeze those accounts.
Product: Debt collection

On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named XXXX XXXX XXXX XXXX I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$45.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX CST I tried to access my credit reports on XXXX, and both Equifax and XXXX are not allowing me to see my credit reports online. I called Equifax using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. XXXX only shows an address to send a request for a credit report to.