23daVinci/CFPB_Complaints huggingface dataset:
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 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. Code 1681 a ( 4 ) 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. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

I went to school back in XX/XX/2001, supposedly had taken out a loan for an amount that is unknown. Needless to say, now that loan amount is over {$150000.00}. I have tried since graduating to get setup on a feasible payment plan that I could afford and not once have been successful. I 've been summoned to court appearances on XXXX different occasions in regards to this obscene loan amount, which I had to hire a lawyer each time. The outcome all three occasions were in my favor, as to the judge not authorizing the " act of garnishment ''. I do n't remember all the technical terms but I know we were fighting for litigation laws, and the falsification of the loan amount and interest accrued. This has been haunting me for well over 15 years now, I never understood how/why they are still able to continuously report this on my credit and it 's been over-ruled by a judge. They constantly still harass me with phone calls and obscene requests of payment terms. Over the 15 years sometimes I 've been fortunate enough to catch a break from some nice employee that will place the loans in an outstanding forebearance term but once that 's over it goes right back to the ridiculous interest fees. I attended XXXX I used to ask them how much can I pay as far as payments and would also end up with this insane amount and then they would say, " that 's the lowest you can pay ''. So how am I supposed to live?! The amount they were asking for you 'd think I had a house note, car payment and my mothers monthly expenses all in XXXX. So basically unaffordable!! Please someone if you could take a look at my account and be a witness to this entirety that I 'm dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX OHIO XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX Ohio XXXX and also XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX XXXX BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX OHIO XXXX IS BEING REPORTED WHICH IS INACCURATE
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other upcoming deposits. Capital One has sites technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raising concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

In XX/XX/year>, I closed my XXXX account. I owed {$0.00} and all my phones were paid off. Therefore, I closed everything concerning XXXX and had a {$0.00}. XXXX withdrew for two months ( XXXX and XXXX ) a XXXX  payment. I had an automatic withdraw-which never was stopped. After several phone calls trying to rectify that I owe them {$0.00} because I closed the account at a XXXX balance. XXXX then stated a " free '' line that was on the account wasn't closed. The whole account was closed with a XXXX balance. I couldn't even look up my account online after I closed my account w/XXXX in XXXX because it didn't exist. Now, XXXX sent it on XX/XX/XXXX to Amesure Collections Agency for {$440.00}. Contacting XXXX and all the time has gotten no where.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Credit Inquiry Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Dear XXXX, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. The inquiry from XXXX XXXX on XX/XX/XXXX is not authorized by me, and I am requesting its removal. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. I believe this inquiry was made in error or without my consent. 

Please investigate this matter with XXXX XXXX and remove this inquiry from my credit report if it can not be verified as authorized. If this inquiry is the result of identity theft, I am prepared to provide additional information, such as a police report or identity theft affidavit. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this unauthorized inquiry. Please contact me at [ your phone number ] or [ your email address ] if further details are required. 

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

Multiple letters have been sent to XXXX XXXX XXXX to provide proof of ownership but no documents have been presented where I signed an agreement with their company. I've asked them to remove the accounts from my credit report since I do not owe them anything but it has yet to be done. They are reporting that I owe {$750.00} for a XXXX XXXX charge and {$980.00} for a XXXX XXXX XXXX charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX / XXXX XXXX Date opened XX/XX/2021 Balance $ XXXX Late Dates XXXX
Product: Credit card

On a recent trip, I responded to an offer from XXXX XXXX for their card which is apparently offered by something called fnbo ( yeah that's all it says ). I was surprised to be rejected ( it's been decades ) and then started getting credit card and loan offers from XXXX and I assume there will be others. While I don't want the card, I want to record this in case there is a pattern of bad behavior with this outfit. I'm hoping I haven't stepped in a data trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However XXXX and TransUnion still show accounts, XXXX XXXX XXXX  showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.
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. Receivable Mgmt Svcs LLCXXXX : # XXXX, has violated my rights. 

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

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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

XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$22000.00} XXXXXXXX XXXX XXXX XXXX - {$26000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX  Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX  TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Employers : USPS XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove items from credit report that don't belong and their customer service is not accessible by phone or internet. Phones are not answered and login navigation is impossible on the website. They should not be in business or have any involvement in credit reporting.
Product: Debt collection

I received a collection on all XXXX credit bureau for a company name USCB representing XXXX XXXX however I've never attended that school. Last I spoke with a representative and explained i needed proof of this debt instead they sent it to collection for {$520.00}. I would like for this to removed off all XXXX of my credit it is not my debt and USCB have yet sent me any debt verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already requested the original contract for validation, but still, no letters nor original contract have been sent to me. These accounts are still on my report and my request is still being ignored. I sent already a validation letter and an FTC report as the bureau requested. I am being ignored which shouldn't be the case as the law states that I am able to request a contract that they have on me with this company I listed.
Product: Credit card or prepaid card

XX/XX/2018 Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Credit Card Limit Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, Synchrony Bank did the same damage to my score to have my credit score drop many more points.

My XXXX credit card had a credit limit of {$1600.00}, to which I only had a balance of {$800.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When Synchrony made the decision to lower my credit limit from {$1600.00} to {$850.00}, Synchrony created the exact negative impact on my credit report that Synchrony claim to be against. Before Synchronys action against my excellent payment history with XXXX, I was at 50 % usage to my credit limit. Now that Synchrony Bank has lowered my credit limit, Im at a usage of over 90 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. Synchrony Bank actions have falsified my credit report to say that I am using over 90 % of his available credit when in fact I was only using 50 % of his available credit limit. 

With the facts being stated above, I am asking Synchrony Bank to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the Synchrony Bank is in the business to intentionally damage the credit scores of the XXXX credit card holders or any individual that make payments to them for their clients. 

Thank you,
Product: Debt collection

Recently recieved an email from a collection company Pinnacle credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They are asking me to pay {$740.00} for services at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. I have lived in XXXX since birth XXXX year ago. 
XXXX. I haven't had a landlines since 2008. 
XXXX. My cell service has been with XXXX since 2008. 
XXXX. I don't owe this debt. 

I am very concern and disturb that a debt collector reach me on my private email. This has caused me great concern that these agencies can reach me on my private email and falsely claim that I owe money at an address and for services that I don't have. This is causing great anxiety that companies can do this and practice disrupting people 's calm life by falsely stating they owe a debt and is trying to collect on it. 

If I was a person of XXXX or XXXX XXXX  this could be severely overwhelming and could cause the person to pay a debt they don't owe or be even more catastrophic.
Product: Checking or savings account

Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, my online ID IS locked and I literally just set it up on the XX/XX/XXXX. There is only {$25.00} in the account from my initial deposit, not sure whats going on with my account but I cant use it. 

Thank you - XXXX XXXX
Product: Credit card or prepaid card

XXXX changed credit card company XXXX Bank XXXX XXXX to Comenity Bank. 
I have a life insurance policy from XXXX and I did not want another card so I tried to decline and they are trying to bill me before the new card even got charged with Life insurance premium with late fees and interest. after I had already paid XXXX Bank XXXX XXXX and my pre existing XXXX bank card.
Product: Student loan

I've recieved 2 voicemails from a women identifying as XXXX XXXX 's regarding " repayment options '' to my federal student loans.The number left to call XXXX but she called from XXXX. She left a reference # of XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been falsely verified as accurate by Transunion, XXXX and XXXX XXXX after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).
Product: Checking or savings account

On XX/XX/XXXX this letter was sent by E-Mail to a Vice President of Northern Trust XXXX with whom there has been abundant E-Mail communications. 

There has been no response. 

Response to this request would be time critical, as Northern Trust would be in the process of preparing paperwork to be signed to close this estate. 

Upon my receipt of the paperwork to close the estate, there would be by law thirty days to agree or disagree to closure. 

I can not agree to closure until the requested documents mentioned in my XX/XX/XXXX E-mail have been provided for my review. 

For reference there have been three, now four, CFPB complaints regarding request for documentation of charges to the estate. The latest was XXXX-XXXX. 

Letter : XX/XX/XXXX Due to water damage in XXXX to my dwelling I still do not have access to all the documents pertaining to my fathers estate which are still packed away in boxes. 

Today there was review of the monthly account statements for the past several months. 

There are two documents which must be received and reviewed before I will sign the pending estate closure agreement.

1. On the XX/XX/XXXX monthly account statement there would be a charge to the estate of {$6200.00} to XXXX XXXX XXXX, XXXX. 
Please forward all correspondence and documentation regarding this charge. 

2. On the XX/XX/XXXX monthly account statement there would be payment to the estate lawyer, which would be contradictory to a statement in a letter from a Senior Vice President that Norther Trust would have no further involvement with this estate lawyer.

This brings into question the statement from this Senior Vice President by letter that if I agree to close the estate uncontested, the estate would not be charged?
Product: Credit reporting or other personal consumer reports

In regards to XXXX XXXX XXXX XXXX Account # : XXXX As to the credit reporting agencies XXXX XXXX Equifax , and XXXX Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed immediately