23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been trying to contact eppicard services for 2 weeks for a card. I am expecting a unemployment card, I already have a child support card but was told those benefits are separate and will go onto a new card. There is no way to get ahold to anyone on their phone line. I've been on hold for over 38 hrs total. The website is not functioning correctly. I want them to contact me or open their lines of communication properly. People are starting to go back to work so covid should not be a problem anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed, is a NOTICE and DEMAND for SETTLEMENT to Equifax Information Services LLC for willful inaccurate credit reporting to my Equifax credit file. Detailed in my Notice and Demand for Settlement is a list of all violations committed by Equifax as well as an invoice for {$88000.00} pursuant to [ 15 U.S.C 1681n ]. Also enclosed are ( 8 ) highlighted Equifax credit files detailing ( 11 ) violations on each report.
Product: Credit reporting, credit repair services, or other personal consumer reports

background information ftc violations mysmartmove and smartmove transunion
Product: Credit reporting or other personal consumer reports

Please remove ll names addresses and phone numbers that are not mine
Product: Debt collection

XXXX lease reported XX/XX/2022 of which I have no knowledge ... ..personal information has been compromised in the past,,, recurrent/ongoing ID theft previously reported to FTC & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-TransUnion-XXXX XXXXXXXX XXXX XXXXXXXX XXXX-TransUnionXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion, XXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX TransUnion XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I lived in an apartment complex that used Procollect as their collection company. Theyre claiming that I owe them double the amount originally owed. Ive wrote them and asked them to verify how I owe Procollect, and they wont furnish a contract that states that I owe them specifically. They keep sending information from the closed down apartment complex. Please watch out for Procollect because they are fraudulent collectors and will make your life a living XXXX.
Product: Student loan

Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. 

Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). 
After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letters, which were submitted on XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ) Section 605, you are required to investigate and respond to disputes regarding inaccurate information in my credit report within XXXX days. 

As of today, I have not received a response to my disputes. I kindly request that you address these inaccuracies immediately and provide me with the results of your investigation. If the disputed information can not be verified, please ensure that it is promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX FL Value XXXX I contact the company, Citi Card, via chat around XX/XX/XXXX to report the fraudulent transaction and to get a new card issued. I was told that credit would be applied in three days. Since then, I have contacted Citi three separate times, where they say 2-3 business days for the credit to apply. 2-3 business days have long passed, without the credit. 

They keep kicking this credit down the road, and I can not reach a resolution.
Product: Credit card

I am filing a complaint regarding my Bank of America credit card account. Despite managing my account responsibly by maintaining a low or XXXX balance and never missing a payment, Bank of America suddenly reduced my credit limit from {$5000.00} to {$1500.00} without prior notice or valid explanation. Subsequently, they closed my account without consulting me, citing inactivity as the reason when I contacted customer service. This action was taken without warning or an opportunity for me to address the inactivity. The unexpected reduction in credit limit and account closure has severely impacted my credit score by reducing my overall available credit and increasing my credit utilization ratio. I contacted Bank of America on [ Insert Date ], but their response did not address my concerns adequately. I am seeking assistance from the CFPB to have my credit limit reinstated to {$5000.00}, my account reopened, and to receive a clear explanation of Bank of America 's policies on account inactivity to prevent future occurrences of this nature. This incident has caused significant stress and financial difficulty, and I request the CFPB 's help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acctXXXX ...., XXXX XXXX  XX/XX/XXXX XXXX ...., XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

Subject : Formal Dispute Request for Immediate and Permanent Deletion of Fraudulent XXXX XXXX & XXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing the fraudulent collection account reported by XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report. I recently spoke with a representative from XXXX XXXX XXXX XXXX XXXX, who once again confirmed that this collection account is fraudulent and resulted from identity theft, wherein someone unlawfully used my personal information to obtain an apartment without my knowledge or consent. Despite this confirmation, TransUnion continues to report this fraudulent account, which is both unlawful and unacceptable. 

This account has already been permanently deleted from my XXXX and XXXX credit reports, confirming that it does not belong to me. Additionally, per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, since I am submitting an Identity Theft Police Report and a Federal Trade Commission ( FTC ) Identity Theft Affidavit, TransUnion is legally obligated to immediately block and permanently delete this fraudulent collection account from my credit file.

Pursuant to FCRA 15 U.S.C. 1681i ( a ), I formally request that TransUnion : Immediately and permanently delete the fraudulent XXXX XXXX & XXXX XXXX collection account from my credit report. 

Block any future reinsertion of this account, as mandated by FCRA 15 U.S.C. 1681c-2 ( a ).

Provide written confirmation of the permanent deletion within the legally required timeframe.

Cease any further reporting of this fraudulent account, as it is a direct violation of my rights under federal law.

Failure to comply with this request will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for further investigation and enforcement action.

I expect TransUnion to adhere to federal consumer protection laws and immediately correct this issue. I look forward to receiving confirmation of the permanent deletion of this fraudulent account. 

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

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Accounts : XXXX - XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my car with BMW Financial Services. I always paid on time. On XX/XX/23 I sold the car to XXXX XXXX XXXX in XXXX and they paid off the loan on the car. I have received confirmation from BMW that the loan was paid in full. However, they refuse to update my credit report to show that the loan is paid in full and that there is a XXXX balance. This is seriously harming my credit because it shows a very large balance due when it has been paid off and they even sent me confirmation that it is paid off.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Product: Checking or savings account

I recently complained to the CFPB about tactics my financial institution was doing in order to restrict my access to my money. As expected the bank denies discrimination and does not give a reason for their actions. Hiding behind an agreement that legally covers their actions. Well as retaliation for my complaint to the CFPB, Chase Bank is holding money from a payment I took on Friday. This payment was taken via credit card and this morning I was informed Chase has received the funds from the other financial institution but is not giving me access to it because it needs to be reviewed. They state they dont have to tell me what is being reviewed or why the review is necessary only saying they can hold my money for up to XXXX business days without explanation. XXXX sorry but this is retaliation and XXXX  there is no reason that holding my money is necessary. In fact doing so is causing financial harm as I believe overdraft fees have begun to accumulate and employees are left unpaid
Product: Credit reporting or other personal consumer reports

Auto dealerships ran my credit score several different times without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian Information Solutions , Inc. regarding the inaccurate reporting of a hard credit inquiry on my credit report. Despite multiple attempts to resolve this issue directly with Experian, the erroneous information remains uncorrected, adversely affecting my creditworthiness. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my Experian credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score.

I contacted Experian on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, Experian failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX po box XXXX XXXX XXXX, CA XXXX Public Record XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX collection : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance XXXX XXXX {$2400.00} XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$920.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX # XXXX, MI XXXX Public Record : XXXX  XXXX Bankruptcy Case Number : XXXX Inquiries : XXXX XX/XX/XXXX Collection : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX Owed : {$3100.00}