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

Per the FCRA, I XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2020, I disputed all 3 credit bureaus ( XXXX, XXXX  and XXXX  ) on my bankruptcy under public information.I disputed because the 10 years of Bankruptcy is over and I wanted it removed from my credit reports.After Dispute investigation, XXXX, XXXX, XXXX  was deleted.Since then I have applied for credit and was denied. I discovered XXXX  HAS NOT removed the Bankruptcy from my credit report.I have tried to get it removed but was unsuccessful.I do know XXXX   and XXXX  has removed it from my credit report ( s ) but cant understand why XXXX will not remove  Bankruptcy from my XXXX  report.Because they wont remove Bankruptcy after 10 years, It continues to be damaging to my credit and score.Also, how can XXXX  say in there Investigation results Dated XX/XX/2020, that disputed item is not currently reporting on the XXXX  credit file and turn around and say on XX/XX/2020, A discharged Chapter XXXX bankruptcy remains on the credit file for 10 years from the date filed.Also, when I called them they did say over the phone the credit item/tradeline has been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX XXXX   XXXX OPENED : XX/XX/19 AMT. XXXX THE FOLLOWING FRAUDULENT INQUIRIES WERE ALSO OPENED IN MY NAME : XXXX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Not verified, not liable,, no legal contract, not mine. I received a copy of my credit report XXXX XXXX at that point I saw a collection account from the Company Receivable Recovery Service, I sent out a letter in regards to this debt asking for verification and validation of this debt to the company .I never received a return response from the company via mail in regards to the letter I sent after 30 days. I sent another letter, still no response, But I did start receive ugly phone calls of harassment and threats early morning and night calls .I tried to explain that I had no clue of this debt and that this was not my account .The caller was very rude with a nasty attitude to the point I asked them to stop calling me because .I also sent out letters to the bureaus asking them for verification from Company. I never received the verification information, but I did see where on my report it was updated as verified .How can they verified something I did n't do .I HAVE HEALTH INSURANCE AND HAVE HAD INSURANCE ALL OF MY LIFE therefore it is no reason for me to owe a medical debt besides I never went to the hospital or was sick for any reason that 's why I requested verification when I say a medical charge. .Last month I decided to send off a letter asking for that verification again to the Credit bureaus soon after I received a letter from Receivable Recovery Services for the first time ever stating they mailed me papers back in XXXX of XXXX which I never received and they told me that my limitation for verification had expired at the end of XXXX XXXX .I HAD NO KNOWLEDGE OF THIS ACCOUNT AT ALL..How can my time expire about something I have no knowledge of. I had  no clue about this debt until XXXX and I Immediately disputed this, Also after being denied verification from the company in the letter I received, I was threaten that if I continue to send letters asking for verification That I would be forcing and demanding to take other actions against me .They also stated they had taking care the issue with me .How can you take care of the issue with a person, when that person really have no knowledge of this debit because it do n't belong to them and your trying to threaten and bully them to allow you to report something that 's not yours .They have no interest in doing the right thing .They only want to collect money and damage my consumer report .They did n't satisfy this with me all they 've done was harass, threaten and bully me .They need to remove this account because its not mine, It was n't authorized by me, I Never signed a contract and they ca n't verify it.t I did n't even know this existed .I am very upset .This is wrong .A company just putting negative accounts on your report and you 've begged for verification because this is n't your debt, therefore it should n't be reporting on your credit report. This Company placed negative information on my report that affected my score negatively and now I 'm being threaten .THIS ISNT MY DEBT .Dealing with this company has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX through Continental Finance ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XX/XX/XXXX. 
Last week, around XX/XX/XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a 70-point decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XX/XX/XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. Continental Finance indicated this was their error and they would be happy to fix it.
Product: Credit reporting or other personal consumer reports

There r names on my credit report. XXXX my address says Georgia. Please help take that offf as it is not my address. Also on XXXX it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on Equifax the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with equifax and need help to protect my identity. I had fraud which caused me to close debit card and XXXX dollar loss and had XXXX usd lost in XXXX account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling XXXX and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from equifax and fraud. It also caused me to not have a credit report score and I was denied a cc. Thanks
Product: Credit reporting or other personal consumer reports

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. Experian is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since XXXX, XXXX and Experian credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting my credit score. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX XXXX, XXXX Experian. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card for Best Buy Citibank. I 've probably used it a few times this year. I have been making payments online and never bother to look at the statements ( since I have n't used it much ). Today I happened to look and noticed a fee for {$7.00} and DEBT PROT XXXX next to it. I have no idea what this is. I 'm assuming it is for Debt protection, but this is something I never signed up for and I do n't understand why I am being charged for it. I looked up my statements for the previous months and I saw that I have been charged for this " Debt Protection '' every month for over a year! I ca n't see my statements for past XXXX 2015, so I ca n't see how long they have been charging me. The fee is always different ... sometimes {$7.00}, sometimes {$8.00}, and sometimes {$9.00}. Is there anything that can be done about this? How can they charge me when I never signed up for this?
Product: Debt collection

I rented an apartment and went I ended my lease XX/XX/2021, I paid everything that was owed. The company XXXX XXXX then reported my account as Paid. Paid as agreed and Closed in XX/XX/2021. A month later a collection agency reported that I did not pay and refuses to remove from my credit. I spoke with XXXX XXXX and they stated that they did report to the credit bureau that I paid everything and my account was closed in good standing and do not know why it is now in their collection department. The collection department has refused to remove and is demanding that I pay this amount again, actually more than what I already paid until they can figure out what happened and who's account this actually belongs to. They are destroying my credit and I need them to remove it immediately. Collection company is XXXX Innovative Recovery Inc.
Product: Debt collection

Credence was sent a debt validation request and all they sent back was that the debt was verified. I was never sent any proof from the company that the debt is mine ( no statement, billing information nor anything with my signature ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Account Balance : {$32000.00}
Product: Credit card or prepaid card

On XXXX XX/XX/2021 I received an email from Apple Card. It offered 3 % back on all Apple Card purchases. I used my card on XX/XX/2021 for a {$190.00} eyeglasses purchase. I got a XXXX award a couple days later - 1 %. I called Apple Card. They explained I didn't do it right. I still don't understand, but it is something about using my phone. I asked them to stop sending me misleading offers. I returned the glasses and repurchased them with another card. Today, i got a reminder email from Apple Card. " Don't miss out on 3 % Daily Cash this month every time you use Apple Card ... ''. I don't think this type of deceptive advertising should be allowed. Can you help?
Product: Vehicle loan or lease

They was charging me all these fees once my car was totaled the insurance company paid the car off in the said I still owed them
Product: Credit card or prepaid card

I am trying to reach a settlement amount on a credit card that I have had for about 4 years. During covid I lost my job and got behind on payments. I then called in XX/XX/2022 to get a settlement amount for my {$10000.00} balance. They were willing to settle at that time at {$5000.00} but I only had {$3500.00} available. They then enrolled me in a 0.99 % program where they would reduce my interest rate and set me up on a payment plan. I have been making my payments regularly so I am now down to a {$7500.00} balance. I have called discover multiple times in an attempt to settle on my account due to unforeseen circumstances. I recently got pregnant and need a home to live in and grow my family. Part of that has been an effort to clear all debt off of my credit report. After multiple attempts, discover stated that since I am enrolled in their " permanent program '' I am not eligible for a settlement amount. I was never told this before I enrolled in the program. I never signed anything to enroll in the program. It was a verbal agreement which I would not have made if all terms and conditions were disclosed to me including the fact that I would not be eligible to come to a settlement while enrolled. I have left multiple complaints with phone representatives and it has gone no where. I even had a representative say to me " I can submit a complain for you but they're probably not even going to answer it or do anything for you ''. I would like to come to a reasonable settlement amount with discover financial to remove this debt off my credit report as soon as possible.
Product: Mortgage

SPS has unrealistic value on short sale property. Our property is distressed and underwater and we have been trying to work with SPS. We had THREE offers. Two dropped out because of length of time it took for SPS to get back to buyer on response of acceptance. They were soooo slow buyers would not wait any further. Each offer was between 1.2 and 1.3 million. Our home has been on the market 450 days. We FINALLY got another offer at XXXX and the buyer said they would hang in there while SPS did their review. Now SPS is stating they won't review because offer is too low, however, it's the same value as the prior offers of XXXX. The appraisal done by SPS was inaccurate and flawed and used properties outside of our town. I'm submitting support information.
Product: Payday loan, title loan, or personal loan

Here is a brief summary of what has been going on. Ten years ago, my wife and I applied and got a Home Equity Line of Credit against a Mortgage Free Property. Without any pre-warning or notice of any nature, it ballooned. We continued to receive statements and paid on them for 1 1/2 years. We went to re-finance on another piece of property, only to find out the Equity had ballooned. We have now been trying to get a Loan Modification for 1 1/2 years, either trying to get it rolled into a Conventional Mortgage or some type of Modification. Bank of America keeps on declining our application with the same reason that they can not verify our employment, even though we have supplied them with whatever they have asked for. In the meantime, they have stopped sending us statements, refuse to take money against the loan and are sending our credit rating into the mud! There is a lot more to this. The phone calls, the meetings at the Bank, the many people we have talked to. The amount we are talking about to refinance is {$75000.00} Thank You
Product: Debt collection

{$490.00} from Best Buy in XX/XX/XXXX still be reported and dropping score {$230.00} from XXXX in XX/XX/XXXX still being reported and sending letters and dropping score
Product: Credit reporting or other personal consumer reports

Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX XXXXXXXX XXXX and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/31 I applied for a credit card with US Bank. The allowed balance was way less than applied for and the card was immediately sent to me. They are now trying to do two hard inquiries to increase the balance to a reasonable amount. The terms and conditions did NOT make it clear how the process works, and that automatic underwriting would be wildly different than a manual underwrite. I spoke to XXXX, the branch XXXX at the XXXX XXXX XXXX and she didnt care and gave me an attitude as soon as she realized I didnt apply in person.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent items from my credit report. Despite my previous efforts to resolve this matter, these items remain on my report, causing significant harm to my credit and financial well-being. I have repeatedly provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. This documentation clearly shows that these accounts were opened without my authorization and are not my responsibility. I have also been in continuous communication with your agency, yet these fraudulent items remain unaddressed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the 3 credit bureaus 's legal obligation to remove any information that is found to be inaccurate or fraudulent. I demand the immediate removal of these fraudulent accounts and any related inquiries from my credit report. The fraudulent items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. FLAGSHIP CRD