23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove it
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : 1. The accuracy of the reported balance.

2. The date of the last payment.

3. The account status.

I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 1. XXXX XXXX  - Account No. : XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX  - Account No. : XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX - Account No. : XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2600.00}
Product: Credit card or prepaid card

XXXX was kind in outlining specific information related to my credit report that was overlooked by American Express when making a decision about my request for a credit line increase. This information proves, American Express used incorrect and invalid information about me that could be construed as prejudicial, when refusing to increase my line of credit. XXXX could find no excessive inquires ( there are none on my report ) and they report no negative marks on my credit ( AmEx said there were ). Because of this and the information provided, I am demanding American Express to do the right thing by increasing my lines of credit for both XXXX XXXX XXXX XXXX XXXX. 

Here is the actual response from XXXX : Company 's Response Thank you for submitting your complaint on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. As you state in the CFPB portal, you indicate that a creditor denied increasing the credit line for two of your accounts, they gave you the reasons for that decision, but it seems that is not the information reflected on your XXXX report. You want the creditor to have the incorrect information corrected. We would like to inform you that on the report there are not any late payments reflected. We do not grant or deny credit. Each credit grantor makes that decision based on its own guidelines. Consumer credit reporting agencies only store information from credit grantors and information contained in public records and supplies this information to other creditors. They also mentioned that a reason for being denied is because there are too many requests for credit, however, we do not have any recent applications reflected on your XXXX report. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. About the score, it is a number lenders use to help them determine your creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account first premier, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose payments are not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I WENT THROUGH MY CREDIT PROFILE AND I NOTICED AN ACCOUNT THAT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY. I HAVE NO IDEA HOW THEY WERE ABLE TO OPEN UP THESE FRAUDULENT ACCOUNTS IN MY NAME. MY IDENTITY HAS BEEN COMPROMISED, AND THIS IS A VIOLATION OF MY RIGHTS. ITS BEING REPORTED ON MY CREDIT AS IF IT BELNGS TO ME. I DONT KNOW HOW THIS COMPANY DOES THEIR LOANS, BUT THEY ARE IN VIOLATION BY LETTING SOMEONE USE MY INFO.THERE ARE ALSO A LOT OF UNAUTHORIZED INQUIRIES.DELETE THIS FRAUDULENT ACCNT IMMEDIATELY There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Product: Vehicle loan or lease

I send a written letter to Santander consumer USA opting out of reporting to credit which have the right to according to law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. XXXX was summitted on XX/XX/2023. 

thank you.
Product: Credit reporting or other personal consumer reports

I received notification from MOHELA on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. MOHELA failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

MOHELA also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

MOHELA is a financial entity acting as an extension of a government entity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, inaccurate information and no contracts with wet signature provided. 

XXXX XXXX, no wet signature of original settlement papers provided. 

XXXX XXXX, no wet signature documents, providing proof of original debt. 

XXXX XXXX, no wet signature documents proving original debt. 

XXXX XXXX no wet signatures, proving original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, what's even worst, the account is reported twice on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

On XXXX XXXX I had attempted to Rent a car from XXXX XXXX XXXX XXXX at XXXX XXXX I had reserved the car through the prepaid option on the website. I had used my Capital One credit card. When I went to rent the vehicle i was informed that i was unable to rent the car because I did not want to give the extra {$100.00} for deposit as i had reserved the car on line with the prepaid Reservation. The representative and I had words as I reminding him of the Prepaid and its terms and he was not honoring the agreement. I admittedly said choice words to the agent and left to go to another rental car company I tried to reserve another vehicle at XXXX on the website and went there unbeknownst to me that the same representative worked at the XXXX XXXX XXXX XXXX and he maliciously charged me twice in that same day making 3 separate charges on XXXX XXXX. I call Capital One the same day i requested that they do not allow the charges to be processed and they informed me that were not able to stop the charges but i know they could. I called capital One again and initiated several disputes, but they did not honor my request then they said it was past the time of resolution and i was charged {$230.00} on the initial rental {$450.00} on the second and {$230.00} without the use of a vehicle. Totaling {$910.00} alongside late fees interest and the delinquent late payments, and the derogatory late pays that occurred during the time of the several disputes. I am in need of good credit so i tried to make payments to restore my credit until I was made aware of this Bureau .In hopes that i might get help and justice
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed identity theft with the ftc and made a police report with following accounts. 
XXXX  XXXX. Acct # XXXX XXXX XXXX.Acct # XXXX XXXX XXXX XXXX XXXX I submitted both reports to all 3 credit bureaus and XXXX removed everything however XXXX didn't remove the 2 XXXX XXXX  accounts and experian didn't remove anything which is a violation of my consumer rights and the fcra.
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 - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX 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
Product: Credit reporting

I have repeatedly called & asked representatives at Equifax to remove any type of freeze or block they have without my knowledge from my credit report. I have for the last 5 months been trying to obtain a car loan only to be told that Equifax have a block on my credit report so it can not be pulled. I have called over 8 times to have this taken care of only to be told that it was off. I have even sent in the information that they required & still as of XX/XX/2017 the block is still on it.
Product: Credit card or prepaid card

Made two jewelry watch purchases online at Bloomingdale 's, one purchase was XX/XX/2020 under order XXXX and the other was on XX/XX/2020 under order XXXX. Both purchases were over {$500.00}, the threshold amount to qualify for 12 months interest free financing on the Bloomingdale 's credit card. Per my live chat with the merchant on Thursday, XX/XX/2020, under incident number XXXX, if the purchase meets the dollar threshold, it can be transferred over to be interest free.
Product: Credit card or prepaid card

While in the process of buying a home I learned that my to Capital One XXXX accounts are showing on my credit report as closed since XXXX 2022. This information is false because I was only informed of the accounts to be restricted because of a few returned payments. I have since tried to correct the mistakes made on my part so Capital One can remove the XXXX XXXX restrictions because I am currently in the process of buying my first home. I was never informed that the restricted accounts stated above would appear on my credit report as closed accounts. My credit score has decreased dramatically and my mortgage lender will no longer approve me for a home loan until this matter is taken care of. I am currently 2 weeks from closing and because of Covid this building process has dragged on longer than it should have. I take full responsibility for the accounts being restricted but not the account closures. Had I known of the account closures I would have taken action quicker and fixed the issue sooner. At this point I am out of time and potentially about to lose my first home which I have invested quite a bit of time and money in.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX CARD XX/XX/year>
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : Debt Recovery Solutions In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

i found out through a public figure on social media that Congress passed the FCRA law that protects my rights and privacy and that I can remove credit card debt, old bills charge-off accounts, and collection items. This person also stated that it's illegal for a collection agency to buy up my debt and come after me. During the pandemic, I've been unable to make payments and I am still trying to catch up on bills. This collection agency threatened to sue me. My debt is now higher than my income. XXXX XXXX XXXX sold my account to collection agency : TSI ( transworld system inc )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

I sent Equifax dispute letter last month informing them that there is a medical violation on my credit report for accounts XXXX and XXXX. The original creditor is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. I never signed any disclosures or permitted my personal information to be shared. This collection company/debt collector does not have permission to furnish this alleged debt. I have no binding contract with them, and Equifax failed to do their due diligence. I am protected under HIPAA laws. XXXX has removed these accounts from my credit report. Please see the attached dispute letter which is dated, and time stamped and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX, XXXX XXXX XXXX collection and 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 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

Refer to my complaint XXXX Jefferson Capital is still reporting on my report despite their response to you on XXXX that they would delete. As of today, they are still reporting
Product: Credit card or prepaid card

Synchrony Bank closed my account and refused to provide the reason. I don't carry a balance on this account and didn't use the card for sometime. Was it closed due to inactivity?
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I started receiving calls on my cell phone from the number XXXX XXXX a couple of weeks ago, which I ignored since I was usually at work, driving, or already in conversation. Finally one evening I received a call from this company in early evening hours when I had time to talk and find out who it was. The person was looking for someone with the first or last name, XXXX. I explained that I have no clue who this individual might be. The young man apologized and said they wouldnt call anymore. As soon as I hung up on my cell phone, he called my home phone, and again he apologized. The very next day they called again!! I repeated that I did not know this person. That young man apologized also and explained to me that they get these names from someplace online, but said I wouldnt be called again. 
I just received a call today at XXXX, XX/XX/XXXX, on my home phone from Tower Loan XXXX XXXX. 
There is another call from them on my home caller ID XX/XX/XXXX at XXXX from # XXXX XXXX and XXXX on XX/XX/XXXX from # XXXX XXXX. 
Another on my home phone caller ID XX/XX/XXXX XXXX # XXXX XXXX I have asked three individuals from this company to stop calling my numbers. I do not know this XXXX person theyre looking for and they are harassing me now. They have no intention of stopping.
Product: Debt collection

In an attempt to get a response from this company the initial letter was sent off on XXXX 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 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 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

( ) I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX