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

I was notified through various reporting systems that someone attempted to open several credit cards under my information last night. They each appeared on the Experian reporting. I went to review this on their site, but the individual accessed my Experian account and changed my log-in as well as the e-mail address in my profile used to request a new password. So ... I can not log-in to the Experian site to submit a fraud report. I called into their company and spoke with 3 different people on the topic. I made it VERY clear as to what the problem was. 1. Someone has accessed my personal information and is attempting to open accounts under my name 2. The same person has accessed my Experian account and has modified my log-in so I can no longer recover it. NONE of the people were able to help me. One even told me that my account was locked for XXXX hours and I couldn't do anything until that expired. So that means the CRIMINAL could still access my account but I couldn't!?!?!!? The woman then told me that my profile would be " deleted '' and I would be able to create a new account. Well that did not happen either. It shows that my social security number is tied to a XXXX account... .which is NOT my e-mail. Zero help... very sad process and they do NOT care about your persona information as they say. Also as I was told there was a " freeze '' on my account ... .I just received another notification that someone just did another hard inquiry on my credit!?!?!?! I feel extremely vulnerable and angry that this is the level of assistance I was provided!!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know the legality of what capital one did, but I've repeatedly contacted capoital one over the last 24 months as to why they would not adjust my credit limit to meet my purchasing needs. I explained that they're sending me increase denial letters to do not correspond to information regarding my individual account. My credit score is XXXX with over XXXX annual income. There was no justification on their part as to not providing an increase. I am in the middle of purchasing a home, and I just find out from the underwriter that capital one decreased my credit limit from {$7000.00} to {$1500.00} on XX/XX/2020. I submitted documentation for all of my 17 creditors on XXXX to the lenders underwriting team. I was just told on the phone that I essential fraudulently claimed my credit line of one of my accounts. This is insane. I called capital one and they told me they did a rolling account review and lowered hundreds of thousands of accounts. She said i was provided a notice after the fact, later on in the same day which they lowered the limit. I do not understand how that is legal. It looks like i liked on my mortgage app, and my entire credit portfolio has taken a hit. I would have been better served just closing the account if I had known that would happen. How are they allowed to do that with no warning or without giving you the option to just close your account. I was in the middle of using a VA loan, and now I can't purchase the home due to shady business practices of Capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

COMPLETE FRAUD AND DECEPTION. I NEVER MADE A PAYMENT OF {$50.00} XX/XX/2019 THAT IS A XXXX LIE. WHO IS XXXX? THAT IS NOT EVEN A PERSON THEY TOOK LONGER THAN 30 DAYS PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's XXXX XXXX to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMERCIAL ACCEPTANCE COMPANY and Collection Agency XXXX XXXX XXXX are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.
Product: Credit card or prepaid card

My balance was paid in full on the due date, XXXX, but I was charged what they called as " residual interest '' on XX/XX/XXXX for {$6.00}. I requested they remove the interest since the balance was paid in full, they declined stating they couldn't find a reason to remove it. The fact that my balance was paid in full should have been the reason. I spoke with XXXX and XXXX. XXXX stated she was a Sr. rep but there was no one above her that I could speak with. I asked if I would need to end my XXXX relationship with the company over something as simple as their so-called " residual interest ''. XXXX stating I could do want I wanted to do. She was unprofessional and highly dismissive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am filing this complaint against Experian and XXXX for inaccurate reporting of the account. Please see attached for more information.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed one of my accounts reporting some inaccuracies. This account is reporting a late payment for XX/XX/XXXX. This account is also reporting closed for XXXX, but paid for XXXX, and Equifax. This account was also never late. This account is also reporting different dates for date opened XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX and Equifax. On XXXX this account is reporting 30 days late, but on XXXX and Equifax this account is current. Date last reported is also showing 3 different dates XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and Equifax XX/XX/XXXX. Date of last payment is showing two different dates XX/XX/XXXX Equifax, and XX/XX/XXXX XXXX. According to 15 U.S. Code 1666b, this unauthorized late payment must be removed and updated. This late payment and these inaccuracies violates my consumer rights. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Negative ) <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$XXXX} was transferred from my account to my son 's account. However, my son can not access his cash app account. Cash app confirms that the funds were transferred from my account to my son 's account and that my son 's account is, in fact, his which they base on various security questions they asked of him and his accurate answers. We have spoken with cash app no fewer than XXXX times, some support staff told us they did not know how to fix it, others cut us off, etc. We told we could speak with a XXXX but were never allowed to because the support staff said none were available. This happened no fewer than XXXX times. I did finally hear from a XXXX who confirmed the transfer and the accuracy of the transfer to my son 's account. Now they say the action is closed and they will help no more. Their case number is XXXX
Product: Credit reporting or other personal consumer reports

On different occasions I have disputed a collection account that appears erroneously on my Experian and XXXX credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by Experian and XXXX that they did not carry out an efficient investigation to determine that those accounts that appear on my credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these incorrect accounts that appear in EXPERIAN and XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the incorrect information shown on Experian AND XXXX. XXXX XXXX XXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX : Please remove it from my credit.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Address Information Dear XXXX, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the final attempt and opportunity to cure a default. AMSHER COLLECTIONS SERVICES is in violation of Federal and State Laws, Regulations, Codes, Public and Private Acts and Constitutionally Protected Rights, as well as Aggravated Identity Theft. AMSHER COLLECTION SERVICES has been issued a bill for redress which has been delivered via the same method of communication AMSHER COLLECTION SERVICES utilized to contact me. 

Balance Due : {$390000.00} XXXX XXXX XXXX XXXX XXXX Dollars XXXX Cents.
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account Name : # XXXX, Account name : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I received a promotional APR of XXXX percent for transfers. However, I also used the card for a purchase to get points reward. the amount of the purchase was {$1100.00}. I paid {$1000.00} payment so as to not incur interest. I was told when I called them that Anything paid over the minimum would be applied to higher interest rate portion of the balance which is why I used it. I could have paid cash but wanted the rewards. 

When I paid the {$1000.00} they only applied it to {$300.00} of the {$1000.00} and now they are charging the interest. misleading practice. I spoke to the rep on the phone and they confirmed that is the case. they are supposed to apply the payment to the higher interest balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX, I was notified by Experian that my FICO score had dropped 8pts. I have made every single payment on time and have no recent activity that shouldve caused my score to drop. Experian was not able to provide any reason for my score drop. In XXXX of XXXX, I submitted a previous complaint about how credit reporting agencies had reported a 24pt drop in my FICO score that was caused from paying off the balance on a high interest loan. I have patiently waited for my score to slowly climb back up. I need to know why my score has again dropped for no apparent reason. 

Thank you, XXXX XXXX
Product: Debt collection

Myself and XXXX children were evictednfrom our home during covid due to nonpayment. I was advised by XXXX XXXX to complete the XXXX  application and turn it into my landlord. I filled out the paperwork XXXX times and every time, the landlord told me I did not qualify for the program. At the time, I was unaware of the exact requirements and was very ignorant of the process, due to never having experienced such a situation before. XXXX months later I was approached by the landlord with a XXXX hour eviction notice, stating that I failed to cooperate with assistance. Due to the unethical practices of the landlord, I know have an eviction and collection on my credit which is hindering me from obtaining adaquate for myself and children. So far, this matters has fell on deaf ears and I do not know where to turn. There is a current investigation open on the XXXX XXXX in regards to that high number of evictions they had during the pandemic. I really hope justice prevails because I know that my family is not the only family that has endured extra suffering due to the practices of the XXXX XXXX and it's employees.
Product: Debt collection

In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.