23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX a letter was sent to equifax in regards to some incorrect information being reported inregards to collection information. Im currently in the process of buying a house and this informatin is holding up my families progress
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT I HAVE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY REPORT I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT.I HAVE ATTACHED MY FTC AFFADAVIT WITH THE FRAUDULENT INQUIRIES LISTED ON THERE.PLEASE SEE ATTACHMENT
Product: Debt collection

On XX/XX/XXXX I saw I had an account on my credit report that I was unsure of for XXXX XXXX in West Virginia. I never lived in West Virginia as an adult so I contacted them. They told me the service for utilities was provided to XXXX XXXX XXXX, XXXX, West Virginia from XXXX of XXXX through approx. XXXX of XXXX. On XX/XX/XXXX, I provided pay stubs and W-2 for that time period that showed my address in XXXX. They refused to take the debt out of my name and asked for payment. I contacted the collection agency IC Systems at XXXX and spoke with XXXX, on XX/XX/XXXX, who told me in order to classify this debt as fraud I needed a police report from my state. I contacted Northern District in XXXX XXXX XXXX, Maryland and they directed my to this website to file my report, on XX/XX/XXXX.
Product: Debt collection

I received a phone call for a collection of a medical bill form 4 years ago. I had never received any communication from the doctor or any collection agency. PCB/Rossman and Company contacted me and I agreed to pay the bill, but I wanted a letter stating that it will not be reported to credit. I also wanted the letter to include the amount and creditor, since I had never received any communication. They agreed to send a letter with the information regarding the bill.  After 2 wee ks, I contacted PCB again. I still had not received the letter. I asked for a supervisor and was put into a voicemail. I never received a call back. I called  2 mo re times requesting a supervisor and was put into  XXXX   XXXX  's voicemail each time. I called again and spoke with someone that spoke with a supervisor named  XXXX . He said he would provide a letter that stated what I requested. Six days later I received a letter that simply stated a  XXXX  % discount, but nothing about not reporting to credit. In the meantime, I have continued to receive calls from them, but never the calls back from a supervisor. One gentleman told me he could n't give me a letter because it was a HIPPAA violation. I have had my mother helping me with this issue and a lady named  XXXX  finally called her back today and said they will not provide a letter stating that it wo n't report to credit ... ..we just need to trust them. My mother works in  XXXX  and explained to her that the credit bureau will not " trust '' me to get something removed from my report. They said that they will remove it ... should something be reported. However, they will not put anything in writing stating that they will remove or not report something. Since my mother works in  XXXX , she knows that they will not just remove something based on a conversation with a collection agent. I need something in writing. We have called and called. We always tell them that we will pay the bill, but we need something in regarding reporting to credit. I am at my wit 's end. I am planning to buy a house in the n ext 6-8  months. I want to resolve this, but I need assurance that this will not hurt me later. I  hope  that you can help navigate through this situation with the collection company. I have never had such a hard time trying to give someone money.
Product: Checking or savings account

AS I WAS TRYING TO OPEN A BANK ACCOUNT I WAS ADVISED THAT I'VE ALREADY HAD A ACCOUNT I'VE PERSONALLY NEVER DEALT WITH ANY BANK SO MY INFORMATION WAS USED WITHOUT ME KNOWING.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX XXXX  account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1200.00}, which exceeds the original credit limit of {$900.00}, reflecting a utilization rate of 136 %, even though the account is listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX XXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$1200.00}, since the account was closed and charged off on XX/XX/year>. Reporting a balance as past due after a charge-off is inaccurate and should be corrected under FCRA 15 U.S.C. 1681i. The worst payment status listed as Charge-off, along with inconsistent payment history, violates FCRA 15 U.S.C. 1681c and must be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Credit card or prepaid card

The default categories are not covering the problem. Experian will not remove my credit card information from database. They claim this was agreed to in a privacy disclaimer however I know it is illegal. Consumers have a right to remove credit card data if there is no reoccuring charge in effect. The attached snapshot of my Experian account shows my information that the company claims that I can not remove.
Product: Credit card

There are XXXX credit card accounts that were compromised and stolen. The account was used to make fraudulent charges and fraudulent payments were used to pay the charges. I have reported this to the creditor with no resolution.
Product: Debt collection

Good morning, I have loan with XXXX XXXX Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship XXXX XXXX turned my case to Lawyer ZWICKER & Associates, P.C. Lawyer filed my case into District court. While court is handling case lawyer Zwicker & Associate kept bullying, lies and has been harassing me which affects my job and health. I have been having XXXX XXXX and high XXXX. Due to covid hard ship, being as a XXXX mother this is placed additional stress on me. I tried to make financial arrangements with XXXX XXXX, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
Product: Credit reporting or other personal consumer reports

Equifax is reporting the account XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX incorrectly. The account is reporting late payments and charged off. After calling XXXX they stated they did not sell this information to Equifax. Equifax also is NOT allowed to have access to my private financial records. After requesting the information they used to determine the information they are reporting is true and correct. I have never been late and this balance is reporting incorrectly because I dont owe a balance on this account. Equifax is providing false information and should be held accountable since it is causing me damages.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I attempted to file a dispute for some inaccurate information for my XXXX XXXX credit card but the online dispute system refused to accept my dispute. Listed below is the basis for my dispute. 

On XXXX XXXX, 2017 I received a notification from XXXX stating that my XXXX XXXX credit card account was 30 days past due. When I contacted XXXX XXXX they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. I then contacted customer service again and spoke with XXXX ( # XXXX ) and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX 1 in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. If XXXX XXXX would have applied the payments as instructed then the account would be current.
Product: Checking or savings account

On XX/XX/XXXX, Arvest bank headquartered in XXXX XXXX  allowed the illegal seizure of my property to a business and did not follow due process safe guards of my property. Arvest bank did not inform me with the legal documents that gave them authority to seizure my assets. There was no warrant in place from a court of proper jurisdiction that has been signed by a judge and sealed by the clerk of the courts. I asked repeatedly for the documentation and they can not provide the legal documentation. The XXXX of the department refused to communicate with me on this matter. 

THE WAGES OF EVERY EMPLOYEE IS THEIR PROPERTY PROTECTED BY THE 4TH AMENDMENT THIS IS AN UNDISPUTED FACT AND ANY LAW IN VIOLATION OF THIS FACT IS UNCONSTITUTIONAL AND WILL NEVER HOLD UP IN COURT FOR LOWER COURT DECISIONS MUST BE IN ACCORDANCE WITH THE SUPREME COURT OF THE UNITED STATES [ Coppage v. Kansas, 236 U.S. 1 ( 1915 ) ] IT IS PROHIBITED UNDER DUE PROCESS OF LAW AND EQUAL PROTECTION OF LAW UNDER THE 4TH AND 5TH AMENDMENTS FOR AN BANK TO ACCEPT INCOME OR WAGE GARNISHMENTS AS WARRANTS SENT BY A COMMERCIAL DEBT COLLECTOR CHILD SUPPORT ENFORCMENT AGENCY THAT IS NOT AUTHORIZED TO ISSUE WARRANTS.

A WARRANT MUST ORIGINATE FROM A COURT OF COMPETENT JURISDICTION WITHIN THE JUDICIARY BRANCH OF GOVERNMENT AND NOT FROM A STATE OR GOVERNMENT AGENCY WITHIN EXECUTIVE BRANCH OF GOVERNMENT WHICH IS A CLEAR VIOLATION OF THE SEPARATION OF POWERS DOCTRINE WHEREBY THE ALLEGED GARNISHMENT ORDERS ARE INCOMPLETE WRITTEN INSTRUMENTS OR FORGERIES AND CAN NOT UNDER ANY CIRCUMSTANCES DEPRIVE EMPLOYEE A MAN ; A LIVING AND BREATHING SOUL, A CREATION WITH ENDOWED RIGHTS FROM HIS CREATOR : AN AMERICAN XXXX XXXX XXXX INALIENABLE RIGHTS TO PROPERTY AS PROTECTED BY THE UNITED STATES CONSTITUTION BILL OF RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I noted a high decrease in my credit score with more than 100 points, only in Experian Bureau, so I looked at my report and I saw two accounts at XXXX XXXXXXXX XXXX, that are not mine, I tried to dispute this accounts by phone and the result was : This item was not changed as a result of our processing of your dispute Dispute was made at XX/XX/XXXX and results was released at XX/XX/XXXX. 

I went to XXXX  XXXX XXXX to check it and I checked this information with a employee, and everything was all right and on XXXX  XXXX XXXX, this information was not mine too. 

The accounts that are wrong are : XXXX  XXXX XXXX, Opened : XX/XX/XXXX, Status : Closed/Never late. 
XXXX XXXX XXXX, Opened : XX/XX/XXXX, Status : Account charged off. {$5800.00} written off. {$5700.00} past due as of XX/XX/XXXX. 

I even have been here in the US in these dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to request the removal of certain derogatory and negative information from my credit report, as it no longer accurately reflects my current financial situation. I kindly request your assistance in correcting this matter promptly.

I have recently reviewed my credit report and noticed the presence of the following items [ list all the derogatory and inaccurate information. This is a violation of 15 U.S. Code 1681/Removal of Inaccurate /invalidated credit information. Remove this immediately!!! 

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 XXXXXX/XX/XXXX. This is inaccurate remove it immediately. This is defamation of my character. 

XXXX. XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance Paid off please remove XX/XX/XXXX Please be advised that the aforementioned information is outdated and does not provide an accurate representation of my current creditworthiness. I have taken several steps to resolve and rectify the situation, including [ explain any actions taken to improve your credit situation, such as paying off outstanding debts, settling accounts, or establishing a positive payment history ]. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The FCRA requires credit bureaus to investigate and correct any information that is inaccurate, incomplete, or unverifiable within a reasonable period of time. 

I kindly request that you conduct a thorough investigation of the disputed information on my credit report and remove any entries that are inaccurate, unverifiable, or outdated. I would appreciate your immediate attention to this matter, as it is negatively impacting my ability to obtain credit and secure favorable financial opportunities. 

Enclosed with this letter are copies of relevant supporting documentation, including [ list any supporting documentation such as payment receipts, settlement agreements, or dispute letters ] for your reference and review. I trust that these documents will assist in your investigation and ensure an accurate evaluation of my creditworthiness. 

Please provide me with written confirmation once the necessary investigations have been completed and the disputed information has been removed from my credit report. Additionally, I kindly request that an updated copy of my credit report be sent to my mailing address as soon as possible. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the urgency and professionalism it requires. Should you require any further information or have any questions, please do not hesitate to contact me using the information provided above. 

I am confident that with your cooperation, we can resolve this issue and ensure the accuracy of my credit report. I appreciate your time and assistance in this matter. 

Yours sincerely,
Product: Credit card or prepaid card

There are some charges on my bank account in which I didn't make
Product: Debt collection

Since i filed the complaint on XX/XX/XXXX with CFPB # XXXX, XXXX XXXX XXXX, never respond to my complaint. 
XXXX XXXX XXXX, respond to your firm on XX/XX/XXXX, saying that will respond directly to me with informations about my account in question,,,,,, as to day i have not received any response yet, they not even respond to my lawyer. 

Under THE FEDERAL TRADE COMMISSION, LAW, if XXXX XXXX, can't supply evidence of the debt, it sure be removed from my credit profile, with : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF ED/XXXX XXXXXX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act, the following list of accounts have violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX ; has violated my rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights to Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account #XX/XX/XXXX has violated my rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. ( a ) ( 5 ) Section states no consumer reporting agency may make any 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any other 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 card or prepaid card

JPMorgan Chase Bank I have a checking account/ savings account & a couple of credit cards with Chase bank XXXX On my XXXX card XX/XX/XXXX to XX/XX/XXXX, XXXXPayment XXXX {$20.00} made on XX/XX/XXXX. I had instructed the bank to STOP this charge to XXXX XXXX & from this notice, they have NOT stopped the monthly donation charge. The full credit card # XXXX XXXX XXXX XXXX See message I sent again to Bank. 
I had notified the bank to STOP the monthly donation of {$20.00} to XXXX XXXX. " I looked @ my statement & on XX/XX/XXXX my card ending in XXXX was again charged the {$20.00} donation to XXXX ministries. YOU did NOT honor my request to STOP this monthly {$20.00} donation to XXXX ministries. I want this to cease immediately!!! I am making a report to Consumer Federal protection bureau since you did NOT honor my request to STOP this charge on my credit card!!! STOP itt IMMEDIATELY! '' PLEASE can you follow up on this as again I requested that this charge be stopped & yet the bank again charged me. I did notify the XXXX XXXX I was stopping the monthly donation. So they are aware of the stop payment!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX, 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