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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX XXXX 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: Debt collection

I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXX XXXX  XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car.

I have attached the credit report still showing XXXX  days late in XXXX XXXX  XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Product: Debt collection

The company name Wakefield. 

XX/XX/2019 I was bill by XXXX XXXX XXXX for XXXX XXXX from one hospital to another hospital. I call them numerous times with no result. When I got XXXX XXXX XXXX XXXX  involved. XXXX XXXX XXXX works with me and I was put on a payment plan. The bill was XXXX. XXXX XXXX XXXX agreed and settle for {$400.00}. I paid two payments of {$130.00} and one payment of {$130.00}. All payments was charged to my credit card. I just want them to stop calling me harassing me about something I already paid for.
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 XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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.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.

These inaccuracies are stopping me from getting new lines of credit to enhance my family 's financial position and well being. These inaccuracies are also preventing me from the ability to get funding for my business.
Product: Debt collection

In XX/XX/2019, USAA Federal Savings Bank erroneously repossessed my vehicle and disclosed no information in regard to the secured property as required by the of XXXX. XXXX  XXXX, When any goods have been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after said repossession he forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. In spite of numerous requests for account statements depicting my payment history for the months of XXXX through XX/XX/2019, USAA FSB continues to claim I was in default of my auto loan which resulted in a repossession. USAA FSB has not, nor did it issue any notice to me pursuant to XXXX XXXX. USAA FSB continues intentionally furnish damaging information to credit agencies which is a violation of 15 USC 1681s-2.
Product: Credit reporting or other personal consumer reports

I recently submitted information on a auto loan that I had with Chase. They repossessed the car and updated my XXXX credit reports with XXXX status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and XXXX  on XXXX AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX XXXX XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

RE : Form 1099-C Cancellation of Debt I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Product: Debt collection

I called XXXX XXXX and spoke with staff and a manager - both located in XXXX. The supervisor/manager confirmed the debt was outside statute of limitations but per FCRA they could continue to report to XXXX for 7 years. 

Multiple attempts with XXXX to no end. 

Why are there are statute of limitations if FCRA allows them to report and negatively impact customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO : AMERICAN EXPRESS XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XX/XX/XXXX To Whom It May Concern, I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately. 
You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. Your results from your first + second investigation, stated in writing that you " verified '' that these items are being reported correctly. Who verified these accounts?? 
I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reported correctly on my report, it is my right. 

Account Name : AMERICAN EXPRESS. Account NumberXXXX OPENED DATE XX/XX/XXXX Errors Found : This is not mine and SS # not match, Account opened before the SS issued I never had this card. -- Card opening date is XX/XX/XXXX, Individual Account, that is FCRA violations Because, you reported wrong and incorrect information in my profile, My social security card issues ON XXXX XXXX after that my credit profile is Established, all of tradeline are reported wrongly. Please remove it Now. 
I have now pointed out the inconsistencies again, with more detail and this is my 4th written request to delete these accounts. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after you have completed your deletions and corrections. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$390.00}.
Product: Other financial service

Beginning In XXXX of 2010, Global Client Solutions, XXXX, XXXX XXXX, collected a total of XXXX dollars from us. They were supposed to settle some our debts as we paid them XXXX dollars a month.But when we could no longer afford to pay the XXXX dollars a month, they would only refund us {$220.00}. They refused to give our money back. They are a bunch of crooks. I know this is a late complaint, nonetheless, I felt it my duty to report them.
Product: Credit card or prepaid card

On XX/XX/22, XXXX PM, received the following text from phone # XXXX : RBFCU : We Have Declined A Few Charges At XXXX  For An Amount Of {$130.00} Please Visit Us Here To Review Any Transactions Made : XXXX XXXX XXXX XXXX XXXX  I do not have an account with Randolph Brooks Federal Credit Union XXXX and 2 ) I have not purchased anything from XXXX  in over 6 months.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

I disputed an inaccurate reporting on my credit report regarding a former Amazon credit card issued by Synchrony Bank. The account was [ state issue : paid off, closed correctly, etc. ], but XXXX has refused to correct the information. I contacted Synchrony Bank directly to verify the status, but they have not corrected the reporting either. This inaccurate reporting is negatively affecting my credit. I am requesting the CFPB to investigate this matter and ensure that Synchrony Bank and XXXX report the correct
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 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 Account name : XXXX  Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX  XXXX Account # : XXXX
Product: Debt collection

To whom it may concern, I recently received my credit report from XXXX, Equifax, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law.

- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report.

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n.

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights.

Best Regards,
Product: Credit reporting or other personal consumer reports

I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX  and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Consumer Loan

I had gotten a loan from Sierra Credit in XXXX, CA i let the car go resulting in my credit getting hit. Eventaully they brought my score way down and i decided to contact them and pay them to have them show im paying the loan. XXXX said i would see a difference in XX/XX/XXXX. I payed them since XX/XX/XXXX only to see they keep updating my credit as negative. I have receipts that im paying but they keep hurting score, i have tried contacting them to speak to XXXX and the representives tell me i will get a call back. This was over a month ago. I refuse to pay more money to this company as they are hurting my credit score regardless if i pay them or not. I wonder how many individuals theyve done this too already. I have not and will not pay until i receive a call, which the neglect to do.
Product: Credit reporting or other personal consumer reports

My card with XXXX ending with XXXX was closed by XXXX in XXXX XXXX. There were no late fee nor carry over balance or ongoing subscriptions charges rolling over, when the account was closed. Then XXXX stop email statement and switched to mail only which I didn't realize to check my mail. I didn't realize until my credit score from Experian dropped by XXXX point. I try to contact XXXX but they give me the run around nor the branch manage in XXXX XXXX can help with my situation. There new charge in XX/XX/year> since but my account was closed by XXXX already. XXXX doesn't have a dept or personnel to assist with my situation as the account is closed and fraud dept can help to file a claim. I am stuck with Experian lowering my credit score after two attempt to explain my situation but come back decline. Please kindly assist to protect my credit score. Many thx
Product: Debt collection

I do not have any relationship with Unifund and do not want one.

This organization, perhaps some type of collections company has shown up in my credit history file about 2 years ago under a different name.

This debt collection was removed once before however it has appeared and it should not. I fought this hard with their reps, the three credit reporting agencies and with the CFPB.

Assistance from the CFPB to remove this debt and annoying recurrence of the illegitimate attempts of Unifund. They should not be able to show up every so often and attack the credit histories of individuals without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I received credit monitoring notification that a collection showed up on my credit report from a company by the name of Sunrise Credit Services for {$100.00}. 

I immediately pulled a credit report and Sunrise Credit Services is a collection company for XXXX. I am an existing XXXX customer for XXXX years with no late payments and in good standing. I contacted XXXX and they confirmed my account is in perfect standing and that they have NO record of reporting me to a collection agency. 

I contacted Sunrise Credit Services and they wouldnt talk to me unless I gave them my social security number over the phone. I asked to verify my identity a different way and they couldnt verify my current address for a home Ive owned and lived in for XXXX years. The same address I am a XXXX customer at. 

I have not received any written communication from Sunrise Credit Services. They are incorrectly reporting False information that does not belong to me and I confirmed with the original creditor they have filed no such collection. Sunrise Credit Services has not provided any written guidance.
Product: Credit card

Although I have displayed tremendous credit worthiness having a good XXXX, paying down my debt tremendously over the last 6-12 months, I have paid the account in full every month for years, never been let, have deposits with the bank which demostrate my income and my debt to income ratio is more then manage yet capital one refuses to increase my {$1500.00} credit line. Since this is my card of choice because of the cash back program. I have to make several payments throughout the month to use the card. My credit file is deep with zero delinquencies, several lines over XXXX however capital one refuses to increase and consistently declines my request for a higher line my to handle my monthly purchases causes more then frustration. At this point the only explanation is discrimination. It makes no sense to put a consumer who does majority of their banking and demostrates credit responsibility through this treatment.
Product: Debt collection

I had an account summary to pay the hospital of XXXX dollars. When the number disappeared I did not receive anything from debt collectors through email or anything, one thing came in the mail but I live in another state for college. Due to this, the amount rose to XXXX dollars which does not make sense or explained. On the paper it says there was zero interest, and zero fees accumulated over this time, please fix the amount so I can pay a payment.