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

Sent letter on XX/XX/XXXX to XXXX XXXX re : account closed on XX/XX/XXXX. This was due to the last Real Estate crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have one with them only for {$840.00} which is 6.25 years. My request & removal of comments were denied. Their actions resulted in an XXXX score that is XXXX points below the other two agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is 7 years old. They continue to report both of 2 negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only one ( XXXX ) which is now 6.25 years old.

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all 3 credit agencies.
Product: Mortgage

I have been trying to get the loan information and verification from Service Finance Company , LLC, the mortgage company, on behalf of my clients for months now. I have mailed the registered agent via certified mail numerous times. I want to get the information so that we can avoid foreclosure as the only means to get Service Finance Company , LLC 's attention. 

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

I have previously disputed reference item # XXXX and in response, XXXX verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to XXXX or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

This is not an error, and I need this matter addressed immediately. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have repeatedly come across these inaccuracies, and despite my efforts to correct them, they remain unresolved. This situation is extremely concerning and has caused me ongoing XXXX and XXXX It is unacceptable that incorrect information continues to affect my credit and financial stability.
Product: Debt collection

This collection company, Holloway Credit Solutions, sent documentation for two accounts that they are reporting on my credit report with my protected health information on it, which this collection company should not have at all. This collection company having my protected health information is a HIPPA violation, which is against the law.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information currently being reported on my credit file with XXXX, Experian, and XXXX. The information listed contains discrepancies that do not accurately reflect my financial history. I have attached detailed letters outlining the specific errors. Please review the attached documentation and update my credit report accordingly to ensure that the information is accurate and reflects the correct status of my accounts.
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 furnished by XXXX, Experian, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from Equifax XXXX and XXXX and all other credit reporting agencies
Product: Consumer Loan

As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.
Product: Credit card

American Express recently announced midyear changes to the benefits provided through its Hilton Honors Surpass American Express card- namely, that the Priority XXXX XXXX XXXX XXXX will be going away, midyear. I found this particularly frustrating, given that I've already paid for the benefit for the account year through paying for the {$95.00} cardmember fee. I wrote to American Express to express my frustration and got a form letter back in the mail asking me to call a toll-free number.
Product: Credit reporting or other personal consumer reports

My credit score has dropped in the last few months from mid XXXX 's to XXXX! We are in the process of moving our investment and cash accounts to XXXX from XXXX XXXX. We are completely debt free. We pay off all credit cards in 30 days, or sooner. We have excellent cash and investment resources. All our payments are on time with no issues. Our payment score is excellent on all 3 credit agencies : XXXX, XXXX Equifax. I have worked hard my whole life to maintain a high credit rating. Please help me restore my good rating. I want them each to acknowledge my transition the very least, and restore my high rating. There should be no reason my moving banks/institutions should impact my good score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX : {$8700.00}
Product: Checking or savings account

I have been banking with Huntington Bank at XXXX XXXX XXXX, XXXX XXXX MI XXXX. On XX/XX/2023. I did a balance check because I had a direct deposit deposited. My account showed my deposit. I went to Huntington Bank on this day they told me my account was closed because someone tried to falsely create an online account. I was never informed of this which they should have called or emailed me. They refused to give me my money and told me I'm not allowed to have an account anymore. This is very unfair When I had no control over someone fraudently trying to create an online account. Huntington still has not returned my direct deposit back to who XXXX  it and will not allow me to withdraw my money
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 account # XXXX Account Name : XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my credit file back in XX/XX/2020 that is showing up on Transunion only, and Transunion has failed to removed this fraudulent account off my credit report. As I have stated to them that is account is not mines and I didn't open this account. This account was apparently open without my consent. If Transunion can not provide me with the evidence from the creditor- XXXX XXXX XXXX XXXX XXXX That I Ms. XXXX XXXX willingly and knowingly authorize to open up this account, then Transunion need to remove this from my credit file. Why will I open up an account that gave me a {$13000.00} credit line and then close it 2 days later if I had indeed legally authorized this account to be open? ....
Product: Checking or savings account

Citibank sent me a letter in approximately XX/XX/2021 saying that I had to answer a series of invasive and personal questions about my assets and liabilities that had nothing to do with my Citibank accounts, in order to follow Federal Law. They threatened to block my accounts- checking accounts I have had with them with zero issues for 20 years- if I did not comply. On XX/XX/2021 I had a long and extensive conversation with a Citibank representative answering all of their questions, even though I didn't think any of it was any of their business. There was one question I couldn't answer - they asked for the details of a specific transfer I'd received from another bank account of mine, but they didn't have the date of the transfer, only the amount, so I didn't know what it was for. They said if they still needed that information after reviewing the case they would call back with the date of the transfer so I could explain it, but if I didn't hear back to assume everything was complete. I never heard anything again. I received no further communication from them - not by mail, email, or phone- on this issue. And then on XX/XX/XXXX I discovered that my accounts had been completely blocked. WITH NO WARNING I was cut off from all of my funds. I called immediately and was forced to answer additional questions before they would remove the block two hours later. The block is now removed, and I will be closing my Citibank account, but this was a completely egregious mistake and I want this complaint filed so that if other people also experience this some action can be taken.
Product: Credit card

I have been a customer with Bank america for almost XXXX  years, and my family has been a customer for several decades. 

I opened a XXXX XXXX credit card with BofA in XXXX. It was the first credit card I opened in my name. I have spent hundreds of thousands of dollards on this card, and have a perfect payment history. I had no blemishes on my credit report, both with BofA and with my other credit lines. 

In late XXXX I had XXXX collection reported on my credit. It was the only flaw on my credit report. This collection was incorrectly reported and I was in the process of disputing it. In this process, Bank of America proceeded to close out my credit card in XX/XX/XXXX, giving the reasons of " delinquency on my credit report and inactivity ''. My last activity on the card was in XX/XX/XXXX, which is well within the XXXX year inactivity limit. 

Closing my credit card with no notice not only decreased the average age of my accounts, but also decreased my credit limit. Both these actions harmed my credit score even more. 

I have since succeeded in deleting the collection off my credit report, so I now have 100 % perfect payment history across all credit lines. Therefore, the reason of " delinquency on my credit report '' is simply false.
Product: Debt collection

This company was trying to collect on a debt that is not accurate and refuses to verify the debt with the information requested of them. So in turn they have placed this erroneous debt on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts and inquiries that dont belong to me they said they were to be removed due to fraud and they put a fraud alert on my file but these accounts are still on my file
Product: Debt collection

Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$2100.00} last reported XX/XX/2022 2022
Product: Payday loan, title loan, personal loan, or advance loan

I applied for XXXX XXXX XXXX  using The Best Egg, prior to applying there was a notice that said Credit score would not impact decision or score a soft pull would be made. I applied, was denied due to Current delinquency is being reported to the credit file. 

There website should be updated to reflect that credit does impact decision made. I would not have applied if I knew that credit was the sole factor, Its kind of deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XX/XX/XXXX, XXXX CREDIT & VERIFICATION, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXXXXXX 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
Product: Debt collection

Re : Dispute of Debt under Section 1692g of the Fair Debt Collection Practices Act To Whom it Concern I am writing to formally dispute the validity of the debt referenced in your communication dated [ Insert Date of Original Communication ] regarding the account [ Insert Account Number or Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of the debt, including the following information : The amount of the debt you claim I owe. 
The name of the original creditor. 
A copy of the original contract or agreement related to the debt. 
Documentation showing that you have the legal right to collect this debt. 
Please note that under FDCPA Section 1692g, you are required to cease collection activities until you provide the requested verification. I also request that you inform me if this debt is being reported to any credit agencies, and if so, request that the reporting is paused until the validity of the debt is confirmed. 

If you are unable to provide the requested verification or documentation within 30 days, I expect that the debt will be removed from any collection efforts, and no further communication will occur unless required by law. 

Please send your response to my address above. I look forward to resolving this matter swiftly. 

Sincerely, XXXX XXXX
Product: Debt collection

I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. 

XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX  XXXX FOR {$450.00} ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

I'm filing this complaint personally. My credit record review revealed late payments. I sent inquiries over 30 days ago but received no response or adequate validation. I'm requesting your help to resolve this issue.
Product: Debt collection

XXXX XXXX XXXX called my father about 2 weeks ago on multiple occasions and disclosed to him that they were looking for me and told him about the debt that I owe and who I owed it too. He told them the first time that he has nothing to do with my issues and to not call looking for me, and they called again. The amount of the debt is currently {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am Contact your company because the three major credit bureaus still have mycredit report all messed and and XXXX is deliberately reporting fraudulent accounts and it shows twice on my credit report, the fraudulent accounts are XXXX XXXX Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX I keep writing asking them to remove it as you know I included my police report because this account does not belong to me and is fraud and I want it removed from my account at once. XXXX also is saying my credit information doesn't match information I sent which is another lie it's just a way they can keep reporting fraudulent information on my credit report. This has been going on for way to long please stop this company and there fraudulent activity and retaliation against me do to me reporting there company to your agency. I am gon na include my identity that they sent a letter stating that my information doesn't match. Also all 3 credit bureaus are reporting falsely on balances because I gave paid my balances down on all credit cards but they continue to report old balances.

These cards have been paid in full and I want balances updated immediately XXXX XXXX, XXXX These accounts that I'm about to list need to be updated because accounts balances are wrong on my credit reports as well XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX please update balances on all these cards at once. 
Also there are credit inquiries on my transunion report XXXX XXXX from XX/XX/XXXX this is fraud and does not belong to me and I want this credit card inquiries removed at once. 
+ XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online This account is fraud and does not belong to me and I want it removed off my report at once I am also attaching a letter from the bank that states that they have already made the credit bureaus aware but they keep displaying it on my reports in order to lower my credit score. My credit score should be almost XXXX at all bureaus but everytime I report there fraudulent reporting they lower my score for no reason. I want to also add that I am XXXX always pay my bills on time and this whole situation with these credit companies fraudulent reporting is stopping me from even being able to do simple things like moving. Please look into my credit report and make them report correctly and force them to remove accounts that do not belong to me.
Product: Student loan

I have previously made complaints against Navient. My private student loans were obtained between XXXX and XXXX in the amount of $ XXXX. I now owe close to {$80.00} due to interest. I have been paying on these loans since that time. However, every XXXX months I have to call and beg Navient to work with me on a payment that is acceptable for myself and my family. They threaten to come after me, my job and my family. They have told me to just " get a second job '' when that is not possible. 

I have to default on the loans to make this company work with me every XXXX months. They also do not apply my payments correctly and then call and harass me and my family for {$11.00} dollars due to Navient not apply the automatic payment correctly. 

Recently, I have entered into a payment plan for XXXX out of XXXX private loans. I can not afford the fourth loan amount. XXXX XXXX with Navient has called my family members disclosing that I have a loan with Navient that is in default. Navient has been calling family members that are not on the loan and who are also not the cosigners on these loans. Navient has also called the father to my child who is not a part of my household nor is listed on any of these loans. My phone number and email are the same that have been listed on these loans since XXXX. I reach out after the threats are made and the calls recently have not been going through. 

XXXX XXXX has left voicemails on family members phones about myself and my loans that are again, not listed on any of these loans. 

Navient and XXXX XXXX recently left me a voicemail that if I do not call them back, they will " take that '' as an agreement to call my employer which I do not have XXXX listed on my account for over a year. 

Since XXXX, I have paid these loans off at least twice. They push and threaten me into payment plans that are not realistic. They call and threaten me and family and also disclosing confidential information to outside parties that are not listed on the loans. 

I want to file a complaint for harassment and abuse of power on Navient. The bully their borrowers into plans that force us going into debt trying to meet their payments plans. They have ruined my credit due to not applying the payment correctly when they automatically withdraw it out of my account monthly. They are also disclosing HIPPA to outside individuals that are not listed on the loans and have my direct information.
Product: Credit reporting or other personal consumer reports

My federal loans were discharged but added and removed from my credit twice under two different names causing my score to significantly drop twice. The same loan was listed as mohela and Missouri higher education loan authority
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

AXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.