23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I settled XXXX accounts with the Central Finl Control in XXXX, I was told that the accounts would be removed from my credit report by XXXX different people. Not only did they not credit XXXX of my accounts they are now stating they will not remove from my credit report. In the mean time they have again reported to the credit bureaus and my credit score dropped because they are stated the accounts were not paid when they were paid. They also state if I have an issue I have to fax it in writing to just a phone number no name or anything. They would not let me speak to anyone other than a floor supervisor. You should be able to speak with someone in the dispute department to make sure you know where your information is going. When I told them I was going to file a complaint she said " you do what you have to do ''. This is a poor way to run a business, they took my money and did not follow through on what they were suppose to do. They falsely reported back to the Experian that there was a balance when it had already been paid.
Product: Credit card

A bunch of charges showed up on my account. PNC even reached out letting me know ahead of time. I dispute it and was denied without any information. I need my {$600.00} back
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrongful Miscellaneous Incidents reported on my background check it is reported on the day I got  filled for my new license online from XXXX so how did could there already be accident reported on it because I didnt even get my license in the mail another week so this is wrongfully reported accident on my records OTHER XXXX  XXXX # XXXX XX/XX/2020 XX/XX/2020
Product: Debt collection

I have disputed thru credit agency and the company. This debt states for an apartment in Minnesota at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MNXXXX I lived in another apartment not XXXX XXXX This belongs to someone else.. 
Please remove this debt off of me and my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires CAPITAL ONE BANK USA XXXX XX/XX/XXXX CAPITAL ONE BANK USA - XXXX CAPITAL ONE BANK USA XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I'm not sure why capital one keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX XXXX creditor : XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Debt collection

I got a XXXX credit card in XXXX of XXXX, my first purchase was never received and I was told the charges would be dropped off my account. I then tried to purchase an item in XXXX of XXXX, the item was not what I expected and was damaged, I reached out and was told to send back the item. I dropped off the item at the local post office and XXXX claimed to have never gotten the item back. They then sent back a legal affidavit for me to fill out and send back and I did that. After that I was no longer contacted and both, my closed and new account were sent over to LVNV Funding LLC, trying to collect {$440.00} on each account. I fought to dispute the accounts and they took them off my credit report, then in XXXX and XXXX of XXXX, they were put back onto my credit report. I have asked for both the purchase agreement and if they had on file the legal affidavits I was told to fill out and they refuse to provide those to me. Even after explaining to the collection agency that these claims were incorrect, I was told if I did not pay them, my credit score would be affected horribly. Which was correct, I had a credit score I was working on at XXXX to it dropping majorly to XXXX.
Product: Money transfer, virtual currency, or money service

I have a money wallet on circle.com, I tried to deposit my money and they're saying that my money is being held. I tried contacting them and they replied with the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/2023 Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Once again, I will keep sending complaints, I have no knowledge of this account according from my credit bureau history I have a fraud alert placed on my account for the pass 7 years and still has been on it expires in 2025. I am not paying for anything that I did not authorize nor used by this account. And after a certain amount of years these things should be taken off my history. This debt does not belong and I will not pay for anything that is considered fraudulent or not mines.
Product: Debt collection

This guy calls from this company/phone number threatening to sue if this unverified, invalid debt isnt paid by noon. There was no letter mailed from this company which would give 30 days to dispute. This number calls repeatedly 10-15 times back to back on a number that does not belong to the person they are trying to contact about the debt. I have a recorded voice message giving details about this debt on a number that is not even associated with the debt. The calls come in these repetitive blocks multiple times a day. I have them logged in a caller ID bank. The calls began on XX/XX/XXXX and have continued today, XX/XX/XXXX after the person was told not to call the number again and only contact via US mail. This is a disruption to my work. They claim the debt is for {$740.00} from XXXX The debt is NOT valid as the product they claim to have sent was not received, and the services billed were not utilized. Letter of cancellation was sent to XXXX in XXXX of 2018 and was not honored. The caller is belligerent and rude and demanding.
Product: Credit card or prepaid card

i try to transfer my amex reward point to airline program at XXXX. i get the following information. 
This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 
i call the customer service and they say that my account is under review and they did not know when they could unlock this. I can do nothing with my amex account now
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX XXXX  Name : XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$9800.00} XXXXXXXX XXXX XXXX {$270.00}
Product: Checking or savings account

On XX/XX/2022 I checked my mail and received to seperate envelopes from a company named CHIME. In the first envelope was a debit card, second envelope was a credit card. I did not open this account. I contaced the number in the back of the card and they wanted me to give them an email and the last four digits of my social security. I told them I would not do that and to make a notation that I did not open neither accounts.
Product: Credit card or prepaid card

I took out a cash advance in the amount of {$1500.00} with Capital One on XX/XX/XXXX. I was told at that time i will be charge an Cash Advance interest Fee until the {$1500.00} is paid back. I have paid the amount back in XX/XX/XXXX but, Capital One is still charging me The Cash Advance interest fee. When i contacted them i was told they will continue to charge me the Cash Advance interest charge until the full balance on the card is paid off. Which was not the agreement initially. Now Im being charged interest twice on the card because there is a balance & in addition to a Cash Advance Interest which i should not be charged for because i paid back the {$1500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and unauthorized accounts and inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, Experian, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' Experian : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification.

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit card or prepaid card

I was approve for a XXXX XXXX credit card through synchrony bank with a limit of {$300.00} dollars. Now I only have a credit limit of {$100.00} dollars. Why is that? I never use the card. The card has always been in good standers. At this point this is completely bullying. Why approve someone for a credit limit and then take it back. Is this my punishment for not using my credit? and if so this is totally unfair.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that the account listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure this account is removed from my credit report immediately to mitigate the impact of this breach. 
Account to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/year> - {$1900.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit was run in order to be approved to refinance my house, I was told that I had a 30 days late reported by Macy 's XXXX XXXX card, ( XXXX ). The charge in dispute is a {$23.00} made in XX/XX/XXXX. I did not made this purchase, I called Macy 's customer service, an operator by the name of XXXX answer the phone and promised me the following, order a new Macy XXXX XXXX XXXX Card, refund the {$23.00} back to my account and start an investigation that would result in removing the 30 days late from the bureaus. The first two promises were kept but the investigation, according to XXXX on a subsequent call made today, was not started. She mention that I hadn't file a complaint with their " Fraud Department '' myself. I was told by her that she was going to start all 3 process she promised. Finally I spoke to XXXX at the " Fraud Department '', who mentioned that there was an investigation on the way but not finished, I could take up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they take to resolve it. I am requesting your help on getting an answer from Macy 's. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my credit score by 40 points when I bought a home. They have now lowered it another point because it says that XXXX XXXX lowered my credit limit to {$1000.00}. 

That is in accurate. My XXXX spending limit is {$30000.00}, which is easily checked and I was unable to get an explanation of the major drop in score. It is NOT based on outstanding credit or late payments. 

Could I please have someone investigate?
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Experian, XXXX, XXXX will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TransUnion Last active- XX/XX/XXXX XXXX Last active- XX/XX/XXXX XXXX Last active- XX/XX/XXXX Date of Last payment TransUnion- XX/XX/XXXX XXXX XXXX TransUnion- XXXX 120 late XXXX- XXXX XXXX late XXXX- XXXX 120 late It is also my understanding that Under the FCRA 15 USC 1681i, every single one even each any or all of the unproven, no compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

Multiple letters sent starting in XX/XX/XXXX thru XX/XX/XXXX. With no response or letters back Calls made with being on hold for hours Dispute online unable to upload documents as asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


1. XXXX XXXX acct. # XXXX bal. $ {$3300.00}
Product: Credit reporting or other personal consumer reports

Discover Personal Loans XXXX  past due. Account # ending in XXXX- keeps reporting an account well past the minimum statutes. I believe they re-aged the account. I disputed date of last payment as they claim XXXX. But last payment was late XXXX. Its been 8 years, Ive disputed the account but no action. 

Same thing with XXXX XXXX XXXX {$1100.00}. Should be dropped its past 7 years.
Product: Credit card or prepaid card

XX/XX/XXXX Placed a order for XXXX shoes on line from XXXX  but the transaction was suspicious after not being able to contact the seller and then the payment was made to XXXX to a XXXX XXXX not a business. 
XX/XX/XXXX Email from XXXX showing package shipped to my address XX/XX/XXXX XXXX XXXX with apple card support and advised. 
XX/XX/XXXX email from XXXX saying the package was delivered to XXXX XXXX. I went to the XXXX  XXXX post office and was given a signed copy of the shipping instructions that shows a different address than my address and the correct address the seller verified. I have given the Apple card associates this information many times and each time it keeps getting put back on dispute without the charge on my card until today. 
XX/XX/XXXX Requested a supervisor to have the charge taken off because I sent in documentation a package was sent to a different address. The Apple XXXX at XXXX XXXX said the charge was going back on my card even though I sent in the above showing the package was sent to another address and I had to pay it on the due date or be delinquent. I advised didn't seem right to pay for something I didn't receive.
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  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

I have no idea who this company or who they are. I have never heard from them before in written format. I asked this company to stop sending me emails and they kept sending them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has put a Collections on my account from XXXX XXXX XXXXwhich has already been disputed and deleted before. This is clearly a reinserted account. It has been deleted for months already. They also refuse to remove any of my inquiries from my file. This has been disputed many times with FTC reports. Im still unable to take out the late charge from XXXX XXXX when it was never late and was confirmed with XXXX XXXX directly over the phone with a rep from XXXX. The three reports should be matching.