23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX i received a bill from XXXX stating i owed them a phone bill in the amount of XXXX. I asked them what the charges were, they mentioned it was for non returned equipment and for contract cancellation charges. I mentioned to them that the sales person at the XXXX NH XXXX XXXX on XXXX XXXX told me that i did not have to return the phone, i went in there due to my phone was broken and the sales person told me i was eligible for an upgrade so instead of paying the charges for the insurance i could get a free phone. I agreed to the transaction, when the transaction was completed i then asked the sales person to take the old phone he then told me that i did not have to return the phone i could keep it as a spare or throw it away. So i did not return it based on the trusting words from the salesperson. He worked there they trusted him to wait on customers and to guide them so i went with his suggestion of just keeping the phone. During that time i had given the phone to my daughter which she had lost, i then called and spoke to the Manager and he said that there was no one there that would give that advice. I was then very frustrated after receiving this large amount refusing to pay it to due the sales mans instructions. I contacted customer service and they did not comply so i told them to cancel my account and i was not paying them for cancellation fees or non returned equipment due to how i was mis-informed they then proceeded to bill me. So i have been disputing and disputing and had to luck. I then on XX/XX/XXXX sent them a letter to the collection agency XXXX XXXX XXXX located in XXXX WA asking for verification bearing my signature stating i had a financial obligation the them, they complied within the 30 days with a bill that was already in my possesion not bearing my signature of any contractural obligations regarding my signature that i have ever signed with them. I then sent them another letter on XX/XX/XXXX letting them know they failed to provide me with a copy of any viable evidence bearing my signature which they did not respond. I then contacted them via mail on XX/XX/XXXX and still no response to my request
Product: Bank account or service

Checks on my account were counterfeited and forged and the bank TD bank refusesto refund monies and the overdraft fees associated with the forgery
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection from XXXX XXXX  with a balance of {$2500.00}, another account with XXXX XXXX {$2600.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Grimm collections repeatedly called me after chapter XXXX was filed ... even as they were accepting payment from the court. Bankruptcy is complete and they are still calling me attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank is being discriminatory with my Lowe 's and Sam 's Club credit cards. 
I contacted Synchrony Bank on XX/XX/scrub>/2024 to 1 ) obtain addresses from them to set up bi-weekly payments through my bank and 2 ) make a payment on both cards. 
They never put the payments through. Feel free to ask them for the phone recording. 
By the time my bank set up bi-weekly payments on XX/XX/year>2024, Synchrony had sent me two certified letters to get money for the Lowe 's account.

This bank turned me in for 30 day late to the bureaus.

This bank then lowered my credit limit on Lowe 's, then closed the account, then upped the monthly payments to almost {$100.00} minimum per month just for that one Lowe 's card which is petty.

Today, I just got an email that they lowered my Sam 's Club credit limit too citing " most recent delinquencies '' which is the 30 day late they reported. 

This is retaliatory because I gave them a bad review on the Better Business Bureaus page. 

I have other cards through Synchrony, too, which I'm waiting for their retaliatory proceedings to go to those, too.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding this fraudulent account. Following this submission, XXXX and XXXX promptly removed this account from their records.I have also contacted the company associated with this account directly, and they have confirmed the removal of the account from their records. Thus, I am perplexed as to why this account continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this duty but also subjects me to further harm. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in XXXX   because this company does not own the loan, this loan was transferred to another lender. 

XXXX replied that I account was verified as mine they never read my dispute.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Apartments never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' These accounts have adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services.

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974, and the above federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexus Nexus, XXXX, XXXX, XXXX. about false information reported by Lexus Nexus. I contacted them all XX/XX/23 by phone and certified mail for them to remove this false information. I received a response from XXXX that the information was certified and correct. I asked for proof of this which has not been provided. I know the XXXX Court does not provide information to the reporting agencies or any 3rd party data mining companies to certify. This statement by XXXX is false. This is false information and should be removed ASAP as there was no XXXX XXXX XXXX    that I was involved in. This is putting my business in a bad financial situation and companies like this should not be able to provide false information. XXXX  for helping in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXXXXXX XXXX  Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX *THIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 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

I submitted a dispute with Experian on XX/XX/20 for the company XXXX XXXX XXXX XXXX. This company is reporting an account that does not belong to me. This account has never belonged to me. Experian returned the dispute to me with results dated XX/XX/20 with their findings. In 5 days Experian has determined the account belongs to me. Experian did not take this matter seriously and they did not verify this information in 5 days. The reason I know this to be true is the account does not belong to me. If Experian had investigated this company as requested they would determine the account does not belong to me. What are the next steps to take if Experian refuses to remove inaccurate information from my credit report. The report number that I was given from Experian is # XXXX and the report was generated on XX/XX/20. I filed the dispute on XX/XX/20 which proves Experian did nothing to resolve my issue. What are the next steps to hold Experian accountable for not removing information that does not belong to me? I would like to know the verification method that was used by Experian to determine the account belongs to me. I have requested this information on numerous occasions and Experian does not feel the need to share this information with me. If I need to start a class action lawsuit, I will as a last resort. What does the CFPB intend to do regarding this issue? How can Experian be held accountable?
Product: Student loan

MOHELA refuses to place me into another XXXX program ; I have applied to be placed on an alternative XXXX plan since being placed on the involuntary XXXX  forbearance. This is negatively impacting my ability to resume my payments towards XXXX and MOHELA refuses to help me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries
Product: Credit card or prepaid card

On XX/XX/2020 I received 2 letters from Chase Card Services saying they closed my credit card accounts. For both accounts Chase pointed out the reasons as : 1 ) TOO MANY ACCOUNTS OPENED RECENTLY 2 ) NOT ENOUGH CREDIT INFORMATION ON FILE However, 1 ) The 2 accounts with Chase is exactly the most recent accounts I opened. I have not opened any other accounts after Chase approved these 2 accounts. 
2 ) My credit report has no change compared to at the time Chase approved these 2 accounts, except new on-time payments and XXXX XXXX reporting I was added as an authorized user. 

I called the number listed on the letter and asked for a review. A representative called me back today. I believe the representative already has his/her mind set and was looking for an excuse instead of doing the review : 1 ) The representative pointed at an account I opened in prior to the 2 accounts with Chase and said that was the " recent account ''. 
2 ) The representative said they keep monitoring my credit information and there were changes in my credit report, despite the reason given to me was " no enough credit information ''. 
I feel the representative is also unprofessional and unfamiliar with their policy - I asked about redeeming my rewards points and the representative said that I can not redeem them anymore, despite the letter said I have 30 days to redeem rewards points.
Product: Credit reporting or other personal consumer reports

i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. 
IVE BEEN TRYING TO HAVE THESE PEICES XXXX INFORMAION ON MY CREDIT REPORT CORRECTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This was originally disputed XX/XX/XXXX, then again in XX/XX/XXXX. I have now reached out to Amex and XXXX once again, today XX/XX/XXXX, and they are wanting me to start the process all over again. 

XXXX refuses to update my credit report stating that the account in question is still being reported as Open. I have submitted to them, a letter from American Express, which contains the statement " The Card is no longer active and is no longer associated with the primary Card Members account. '' I would like to note that this is an authorized user account, with my wife who WAS the primary account holder - she has since more than a year ago closed the primary account so there is absolutely no way this authorized user account could be considered active. 

Neither XXXX or Amex will communicate directly with one another to resolve this issue, leaving me to go around and around with the same information from both sides, neither making any actual attempt to correct the report and resolve this issue. 

The resolution I expect is that Experian updates their reporting to state, correctly, that the account in question is closed. I expect XXXX and Amex to work together to accomplish this resolution, as I, the Customer, should not be stuck in limbo in this way with false information being provided to potential creditors.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 accounts listed below. 

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

I demand the following accounts be validated or DELETED immediately : - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Amount : {$3600.00} ) - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Amount : {$17000.00} ) - XXXX XXXX ( Account Number : XXXX, Amount : {$2800.00} ) - XXXX XXXX ( Account XXXX, Amount : {$13000.00} ) - XXXX XXXX XXXX Account Number : XXXX, Amount : {$13000.00} ) $ - XXXX XXXX XXXXXXXX ( Account Number : XXXX, Amount : {$3100.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX , Amount : {$9900.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX , Amount : {$39000.00} ) - XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$18000.00} ) - XXXX XXXXXXXX ( Account XXXX, Amount : {$810.00} ) - XXXX  XXXX ( Account Number : XXXX, Amount : {$3000.00} ) XXXX XXXX XXXX XXXX XXXX  XXXX ( Account Number : XXXX, Amount : {$27000.00} ) - XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXX, Amount : {$18000.00} ) - XXXX ( Account Number : XXXX, Amount : {$81000.00} ) In addition, DELETE all non-account holding inquiries 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, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.