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

I submitted a complaint on XX/XX/2022 to experian for reporting a fraudulent account AND the data furnished XXXX. XXXX responded that they are not reporting this information. Experian responded and said that the information is being reported and will be staying. 

In complaint XXXX XXXX responded that they are not reporting In complaint XXXX Experian responded and contradicted the XXXX XXXX Made. If XXXX told CFPB they arent reporting then this being on my credit by EXPERIAN is a violation of the FCRA!! They need to remove it. Or I will take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EQUIFAX to remove negative credit reporting activities of the DEPT OF ED/NAVIENT and NAVIENT, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EQUIFAX has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by the DEPT OF ED/NAVIENT and/or NAVIENT ) subject to public access. I, the consumer, offer this affidavit to EQUIFAX for the refusal to remove negative items/accounts from my credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information provided by these entities in regards to the accounts being reported. See Attached notice by affidavit with supporting documents
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal CIC CREDIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Inquiry Date : XXXX. XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open a checking account with XXXX bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping XXXX from granting me an account. Let me also mention that XXXX is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to Experian to contact them with questions. I called Experian and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called XXXX to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a XXXX bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to Experian to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.
Product: Vehicle loan or lease

This is the 2nd complaint I have had to file against Westlake. I had an auto loan with their office that went into default. This account was included in a Chapter XXXX bankruptcy, that was discharged in XX/XX/2016. Despite that, Westlake continues to report this account as an active collection account, and stating that I still have a liability with their company for $ XXXX+. This account should be updated to show as " resolved through bankruptcy '', and the amount owed should report a {$0.00} liability. What they continue to report is a violation of federal bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companie name ERC Account Number XXXX balance {$300.00} Date opened XX/XX/2014 I do not remember opening any account the last 7 years and I am not getting any information about the collection and affecting my scour can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My XXXX XXXX XXXX XXXX are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( Experian, XXXX, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX  ), Experian XXXX ( XXXX XXXX XXXX XXXX and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Product: Debt collection

The company calls me all the time about a XXXX XXXX, whom I do n't know and never heard of him trying to collect a debt.
Product: Credit reporting, credit repair services, 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. XXXX  XXXX XXXX XXXX XXXX- Account Number : XXXX and XXXX XXXX XXXX - Account Number : XXXXhas 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt. 

Please unblock my Equifax account and send me a credit report. my drivers license and utility bill is attached
Product: Checking or savings account

In or around  XXXX    XXXX  , I opened another checking account to have my paycheck directly deposited. My employer required that I attach a voided check to the payroll request. I already have a checking account which I have been depositing to for several years, however, I needed to switch to the new account to be able to close the ol  d one.
Chase took a monthly fee out of my new account and the charge for the new checks. This caus  ed my account to go belo w 0 .  On  XXXX   XXXX , my employer attempted to deposit my paycheck, however the new account was closed. I NEVER received notice that the account was going to be closed.     A fter 20 minutes on a customer service call to India?, I was told that the new account was closed, and that my paycheck was never deposited. I called back and spoke to another customer service rep for an additional 45 minutes who told  me that the reason my new account was " rejecting '' the deposit was due to the name on the check not matching the name on the account- being my initials and not my full name. This is odd since I 've been deposit  ing my check with Chase for 17 years. They could have just looked at last month 's check, if that was the case. But it was n't.
The real problem is that they used up all of my money on fees and checks, then closed my account before my employer had a chance to switch the account numbers (  beyond my control ). Now, it will take my employer another 2 months to change account numbers and I 'm back at square one. I have checks that are no good since the account is closed, a paycheck with no account to   go into, and I 've lost about {$50.00} in fees.     I want the new account reopened, immediately. I do not want to open another new account, order new checks, and hav e the same thing happen again due to the lapse in timing between my employer and the bank. I have been with Chase for 25 years, I have multiple credit cards with Chase, and I have family members with Chase. If I find out that this also negatively affected my credit, I will never use this bank again.
Product: Credit card

Midland Funding LLC is trying to collect on a debt that does n't exist. No where on my credit is this debt.
Product: Credit card or prepaid card

Reference : The disputed item : Account for credit card from XXXX XXXX XXXX Credit card # ending in XXXX. 
XXXX/XXXX Reported on XX/XX/XXXX Dispute Reason : Ownership : I am no longer liable for this account. 

Regarding the above-mentioned account ; this was the cost of a bed that I have ordered from XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX, Ph : XXXX ) for {$600.00}. The merchandiser arranged the payment through XXXX XXXX XXXX ( affiliated to Citibank ). 
I have disputed this charge with the bank from the beginning of this account, since I received the product damaged. Although it is a general rule in all banks, to accept the dispute if the product purchased was received damaged, XXXX XXXX XXXX insisted to suspend the dispute claiming that ; I must resolve the problem with the merchandiser, but promised to freeze the charge without any interest or fees until the case is resolved. I filed a complaint against the merchandiser with the Attorney General, who made his decision in my favor for a full refund of the product according to the Massachusetts General Law Chapter 93A, for Consumers Protection. The bank was notified with the decision of the Attorney General, however, did not accept the dispute and started to add interest. I raised the case to the District Court for Small Claims that made its judgment on XX/XX/XXXX in my favor for a full refund of the cost, plus interest and court fees. Attached please find a copy of the judgment of the court.
Product: Credit card

I am writing to file a formal complaint against Synchrony Bank in relation to an unjustified action taken on my Amazon XXXX Credit Card account. On XXXX XXXX, 2025 XX/XX/year>2025, Synchrony Bank checked my XXXX XXXX without my explicit permission and subsequently made the decision to lower my credit limit. My original credit limit was approved at {$4000.00}, yet they unilaterally reduced it to {$3400.00}. This occurred despite my consistent on-time payments, including a payment of {$520.00}, while my minimum payment due was only {$240.00}. 

It is troubling that Synchrony Bank accessed my credit score without my consent and used this information to lower my credit limit, despite my ongoing good payment history. I did not request a credit limit increase, nor was I notified beforehand that a credit check would be conducted. Under the Fair Credit Reporting Act ( FCRA ), companies are permitted to access a consumer 's credit report without permission only for specific reasons, such as making a pre-approved credit offer. These types of checks are typically considered soft inquiries and do not affect a persons credit score. However, when an institution decides to adjust the terms of an agreement, such as lowering a credit limit, they are obligated to issue an adverse action notice detailing the reason behind the change. To date, I have not received any such notice or communication from Synchrony Bank explaining their decision. 

In Washington State, we are also protected by the Consumer Protection Act ( RCW 19.86 ), which ensures consumers are safeguarded against unfair business practices, including the unauthorized modification of credit offers and misleading or inadequate disclosures. Given that my credit limit was reduced without sufficient justification or notification, I believe Synchrony Bank is in violation of both federal and state regulations. This action not only negatively impacted my credit but was also conducted in an unethical manner that bypasses my rights as a consumer.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Debt collection

Alleged debt to XXXX XXXX that I do not recall
Product: Payday loan, title loan, or personal loan

XX/XX/2020,, Cont,, Issues And Mr XXXX XXXX XXXX,, CEO,, Director Of Wells Fargo Sent And Email To All Customer And Busness Owners,, About The Covid19 Benifits And Assistance,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding 30- and 60-day derogatory marks that appear on my three credit bureaus reported by XXXX XXXX XXXX and XX/XX/2020. 
I dispute these and demand a full removal of each 30- and 60-day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, Experian, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. 
Prior to the missed payments, I attempted to contact XXXX regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Product: Mortgage

BANK OF AMERICA has incorrectly reported the status of my mortgage, since XX/XX/XXXX, to the credit reporting agencies. A " DISPUTE '' dated XXXX/XXXX/XXXX was submitted to BANK OF AMERICA recently. BANK OF AMERICA letter, dated : XXXX XXXX, XXXX, with regard to my Mortgage Account No. : XXXX, stated : '' ... We 've completed a review of our records and have confirmed the information we provided to the CRA is accurate. '' Since their reply is not true, I wish to file a complaint against BANK OF AMERICA with the CFPB.
Product: Debt collection

This is a complaint against IC System. Addresses : ( 1 ) XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( 2 ) XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The company is attempting to collect on a bill issued to me by XXXX XXXX dated XX/XX/XXXX for contracted services in amount of {$2700.00}. That bill has been in dispute since XX/XX/XXXX. 
XX/XX/XXXX : I received via USPS residential delivery an account notification from IC System, dated XX/XX/XXXX. 
XX/XX/XXXX : I informed company via Certified Mail that the bill was in dispute, providing detail to back up the dispute, specifically " On XX/XX/XXXX, via USPS certified letter, and again on XX/XX/XXXX, via email, I sent to XXXX XXXX XXXX a request for further information and backup on the invoice in question such that I could evaluate the accuracy, existence and validity of the charges on the invoice. I have yet to receive a response ... '' XX/XX/XXXX : I received a " settlement offer '' from IC System. 
XX/XX/XXXX : I responded via Certified Mail, notifying that the contact is illegal and in violation of my rights under federal, state and local laws, citing XX/XX/XXXX Certified notification of dispute and demanding company reverse any and all actions taken against me in this matter. 
The company has ignored both of these notifications and continues to pursue collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I received two bills from two companies that I never did any business with. 

XX/XX/XXXX amount {$620.00} XX/XX/XXXX amount {$810.00}
Product: Credit card

On XX/XX/XXXX, my XXXX son received a pop-up to buy something on a video game. A PayPal application appeared and he entered ONLY my name, DOB, and address. He INCORRECTLY entered a SSN. Based on this easily-obtained information and an incorrect input, PayPal opened a line of credit and my son made a charge. 
When I called PayPal on XX/XX/XXXX, it told me that their policy is to allow credit based on " three out of four '' pieces of correct information. It does not matter if someone puts in incorrect information, yet that is exactly the red flag that should be the basis for denial. Further name, address and DOB can be obtained so easily, it enables identify theft. 
I paid the amount my son owed, gave the lecture, and took away electronics ; however, it is unnerving to me that anyone with such little information can open credit in my name. Further, XXXX I am disturbed by PayPal 's practice of enticing juveniles to open credit lines in the throes of impulsivity ( i.e., while gaming ). It reminds me of the Camel cigarette ads except for this time, PayPal gives them the false identification.