23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error with a account that was accidentally disputed in error. Home Depot Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the Home Depot Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the Home Depot customer service center on XXXX, 2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company Home Depot, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted Home Depot Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted Home Depot, verified the account with the authorized user to customer service representative and authorized Home Depot to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.
Product: Credit card

Within 24 hours of CFPB complaint XXXX being closed, Synchrony bank lowered another credit limit. This is retaliatory, targeted, systemic and XXXX behavior on the part of Synchrony Bank and yet since this practice is allowed in their terms and conditions, nothing is done about it. In the complaint above, my credit limit was cut in half in part due to Synchrony Bank stating I wasn't making a large enough monthly payment even though the monthly payment amounts exceeded the minimum. Synchrony stated it wanted to lower its risk because I wouldnt pay them in the future based upon their intuition, not my credit history showing otherwise. In this case, again within 24 hours of closing the above CFPB complaint for the same behavior, Synchrony has lowered another of my cards again making it appear as though I have maxed out my credit line.

This time i have a balance of {$1900.00} on the card so they lowered the credit limit to {$2000.00} even though the max credit line was {$2100.00}. The reasons for doing this did not include any history of late payments nor trouble paying any accounts but rather that I had too many inquiries for their liking and I didn't have a real estate account on my credit report. If this is not systemic, targeted, retaliatory or XXXX behavior... tell me what possible risk is being mitigated by lowering a {$2100.00} credit limit to {$2000.00}, 24 hours after closing the previous CFPB complaint and why is no one looking at these practices from Synchrony on a larger scale?
Product: Credit reporting or other personal consumer reports

These inquiries were made without my knowledge or consent. Please remove them, as I am not aware of the details.
Product: Mortgage

I requested a forebearance from mortgage company in XXXX of 2024. I did not receive a forebearance, but rather I received an outrageous repayment plan that is more than 3/4 of my monthly income and Im on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me of a hard inquiry on my account XX/XX/2022. As far as I know it would have been an application at that time. XXXX XXXX XXXX was the source of inquiry. When I called XXXX XXXX they said someone applied for a credit card in my name. They gave me this information to contact you. I also placed a fraud alert with credit all 3 bureaus. As far as I know this was stopped before any transactions were done, so no losses at this time.
Product: Debt collection

Midland Credit Management has been trying to collect on a credit card debt I had accrued on a XXXX.. 

The debt letters they sent me stated that my max percentage of discount I could receive would be 20 %. 

The mother of my children who 's lived with me for XXXX years also has some credit card debt with XXXX . Frankly it 's more my debt, but anyways point is, it 's ALSO in collection status and also with Midland Credit Management. 

The offer she was given was 40 %. When I contacted MCM management the supervisor acknowledged that our accounts are not being given the same discount percentages. Instead XXXX tried to negotiate with me. He was negotiating terms like a salesperson at a commisions based electronics store .... 

When I asked him to match the 40 % discount given to my wife, he said being in my shoes he would do the same, however, he was unable to provide me 40 %, only 35 % and the reason for it was because my account was in some other type of department or status, that was all he could say. 

When I told him that negotiations were not part of why I was calling, he tried to tell me to basically take it or leave it, and even told me to hang up the phone, it made no difference to him. 

I repeatedly expressed my desire to make a payment agreement of either 40 % XXXX time payment or 35 % XXXX payments before we got off the phone. The offer which was made to me prior was 30 % at XXXX payments ( 50 % each ) to pay off the balance. One supposed to be made on XXXX XXXX and one for XXXX XXXX ... 

However, XXXX XXXX felt it was better to try and negotiate percentage points with me. He would NOT accept ANY arrangement asked by me. Instead everytime I would ask him if they would accept a deal, they would instead just counter with a lower percentage, and would require it as a 1 time payment. 

Tired of this harassment, I told them to cancel ALL payment agreements until I was given the correct percentage discount off my debt that my wife was receiving for the same creditor/collection agency. 

I urge for your assistance with this matter, to prevent this company from allowing to continue doing business as it is currently. They have poor training it seems at MCM on how to deal with consumer debt as I was literally negotiating with a high level supervisor over a matter of 1-3 % at times .... 

Ultimately they failed to match the discount given to my wife, so I canceled any payment agreements until they get their act together.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX. My caregiver for the past 19 months stole my identity and made purchases that I did not authorize at all. I did a police report and yet all 3 credit bureaus are reporting this information as mines.
Product: Checking or savings account

Bank of america claims I made a claim when I did not. It does not show in my claims messages or my bank statements. This is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the presence of several fraudulent accounts on my credit report. Upon careful review, it has become apparent that these accounts are not mine and have been erroneously included in my credit history. The gravity of this situation can not be understated, as these inaccuracies have the potential to significantly impact my financial standing and credibility. I have taken proactive steps to rectify this matter by contacting the respective companies associated with these fraudulent accounts. Through these communications, I have obtained assurances that these accounts will be promptly removed from my credit report with your bureau 's assistance. Furthermore, I have diligently followed the necessary procedures and submitted the required documentation to the Federal Trade Commission ( FTC ) to support my claim of identity theft and fraudulent activity. Please take off these accounts from my file : XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX/XXXX bill. IC Systems is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with XXXX. IC Systems continues to notify XXXX   the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX has acknowledged the account is closed and settled. Even though IC Systems is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into IC Systems web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. IC Systems is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. IC Systems contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX   account is XXXX. IC Systems has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.
Product: Credit card or prepaid card

Elan Financial Services ( Secured credit card ) is holding me responsible for a {$510.00} fraudulent charge on services I didnt receive. I took my car to a body shop and my car was stolen from a mechanic XXXX XXXX at XXXX XXXX XXXX. I also provided them with a police case number and also the detective personal cell phone number to reach him and confirm the situation of the case.
Product: Money transfer, virtual currency, or money service

Trading with money over XXXX XXXX XXXX  They want from me to pay this amount, 20 % for liquidation and theres signature from XXXX XXXX XXXX from your office XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent Equifax and dispute regarding inaccurate accounts reporting on my consumer file. As of XXXX XXXX I have not received any correspondence regarding my dispute and Equifax now has violated 15 USC 1681i ( a ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i ( a ) 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX I received a call from Capital One informing me that several authorized users had been added to my account on XX/XX/XXXX. They had wanted to confirm if I had authorized these users and I had informed them that I was unaware anyone was added and that I absolutely did not add anyone. Due to the potential fraudulent situation, Capital One restricted my account so that no unauthorized charges could be made ; I thankfully have not received any fraudulent charges on my account. While Capital One was investigating the issue, they claimed that the people added to my account were in fact legitimately added despite the fact that I, the account owner, told them several times that this was not the case, I never added these ( 4 ) users, and that I did not recognize any of the names. I now have been told that they can not un-restrict my account until they receive the required documentation needed to identify the additional users ( drivers license, SS #, etc. ). To be clear, I never authorized these additional users, I do not want to add these users, they are most likely not real people, and I or the fraudulently added people, will not be sending identification information. 

According to Capital One, my account will remain locked until they get the identification information of the people who were fraudulently added to my account, which will never happen. As a result, my account will remain restricted forever. I have spoken to several people over the past week ( including going to a physical location ) and have not been able to get any farther than this. 

I would like to close my account but i have ~ {$1900.00} in rewards cash that is tied to my card that now inaccessible. I have been informed that there is no way for me to access this cash now. If now close my account, I will forfeit this cash. 

To recap, due to a lapse in Capital One 's fraud prevention, four authorized users were added to my credit card without my knowledge or consent. Capital One 's response was to close my account which will cause me to lose {$1900.00} in cash rewards. This is a lapse in their security that I am paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, AK XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX XXXX {$190.00}, XXXX XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Closed Complaint # XXXX Bank of America presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as 30-day late payment XX/XX/XXXX to 30-day late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a 30-day late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to Bank of America for the XXXX and XX/XX/XXXX were recently resubmitted to Bank of America via XXXX in XX/XX/XXXX.
Product: Debt collection

Originally had 2 charges {$1700.00} from ELEVATE RECOVERIES LLC Last reported XX/XX/XXXX {$1700.00} Open balance XXXX XXXX XXXX Original XXXX XXXX was removed because it was False, tried to contact and company wanted my social dob and a credit card to get my report to dispute. I had my XXXX  records pulled and I have not been to a XXXX  or XXXX  XXXX  since XXXX. I would like this removed asap thanks
Product: Debt collection

Eastern Account System suddenly shows up in collection on my credit report but I never heard of them and never signed a contract to do business with them but they are reporting as the original creditor on my credit report. They refuse to send me the original signed contract between Eastern Account System and myself. I never had their service because it is not available in my area.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, 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 inquiries have been identified as a result of this breach : 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

XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX I have asked all the credit bureaus to do an investigation on my account ( s ) with XXXX which they did. The results stated everything is accurate although it appears to be a few inconsistencies, are currently reporting on my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # Has violated my rights. 15 U.S.C 1681 section 602A, which states I have the right to privacy & 15 U.S.C 1681 Section 604A which also states a consumer reporting agency can not furnish a account without my written instructions. This will truly help me in my process to raising my credit score, & I thank you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with tge fair credit reporting act. This creditor XXXX XXXX has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have received an inquiry on my credit report after getting on a car lease with XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.