23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows :
Product: Credit reporting or other personal consumer reports

These late payments are false XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as I have consistently paid these accounts on time. The reporting of these inaccuracies violates the following legal provisions : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to maintain maximum accuracy in their reports, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting informational and 15 U.S.C. 1666b ( a ) prohibits creditors from treating timely payments as late. Reporting my information without written consent violates my right on permissible purpose 15 U.S.C. 1681b ( 2 ) according to FCRA. Fix these late errors as soon as possible or I will seek {$1000.00} per violation for willful noncompliance with the FCRA and additional damages for the harm caused. I demand an immediate correction to avoid further legal action.
Product: Debt collection

There is a dental bill on my credit report and my children and myself have never been there. It was my husband 's daughter, my step daughter. I never signed agreeing I would be responsible for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? NO, I did not. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Also, you have violated 15 USC 1681s-2 ( A ) ( 1 ) A person shall NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.
Product: Credit card or prepaid card

I was charged a fee for credit protection from Synchrony bank although I never applied or sign for this option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 ITEMS. 


XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX   XXXX XXXX {$930.00}
Product: Credit card or prepaid card

In XX/XX/2019 I sold my business. I had a lot of recurring charges on my credit cards so I tried to contact as many as possible to cancel, but I found out a lot of businesses do not make it easy to cancel. So I had Capital One change my credit card number and I went over all the recurring charges with Capital One and told them I did not want those charges on my account anymore. I thought I was done, but I later found out my credit card number was being given to these merchants even after I requested that my card no longer be charged by these merchants. In my view this is consumer fraud by the credit card companies. Merchants are making it very difficult to cancel and the credit card companies are helping in this scam. Why are the credit card companies giving out my number after they were told by me, not to. If a merchant wants my number they should call me and I could then decide if I want them to have my number or not. They are giving out my number after I told them not to have these merchants charge my card. When I contact Capital One and explain the problem, they have a process that is designed to scam their customers. They sound very concerned, but they are part of the scam and want me to jump through more hoops.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent letters to Experian, XXXX, and XXXX because they violated multiple provisions of the Fair Credit Reporting Act ( FCRA ). I wish to opt out of their reporting services unless prior notice is provided to me. Despite my charged-off accounts being settled, these accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should be treated as income rather than an " owed debt. '' Under 15 USC 1681 section 602 ( a ), consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for consumer privacy, yet these agencies have failed to uphold this obligation. My right to ensure that my personal information is not shared without my consent is protected by 15 USC 6801, which mandates that financial institutions respect customer privacy. The creditors listed on my credit report, as furnishers of information, must adhere to these legal obligations. Additionally, under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only authorized to furnish reports in accordance with the written instructions of the consumer. However, I did not grant consent to XXXX, Experian, or XXXX to furnish my information, and I have revoked any prior consent, whether verbal, non-verbal, written, or implied, effective immediately. Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to opt-out, a right I was never informed of. It is also illegal to report transaction history, and I request that all my accountspast, present, and futurebe reported as " paid as agreed '' on my credit report. I am seeking compensation for the erroneous reports sent by these agencies, with {$100.00} for each inaccurate report that led to companies reaching inaccurate conclusions. To date, Experian has sent approximately XXXX inaccurate reports, XXXX has sent approximately XXXX, and XXXX has sent XXXX. Additionally, I am entitled to {$1000.00} per violation of my rights. I am opting out of all reporting services that disclose information to nonaffiliated third parties without my consent, and I expect a privacy notice before any additional information is furnished on my consumer report. Lastly, I request confirmation of the corrections made regarding any inaccuracies from their records, including all charged-off accounts being tagged as " paid as agreed. '' Under 15 USC 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable for actual damages or damages of not less than {$100.00} and not more than {$1000.00}. If I can prove that these agencies willfully violated the act, I am entitled to at least {$1000.00} per violation plus any other damages sustained as a result of their failure to follow the law. Since this isn't the first time I am complaining, willful noncompliance can easily be demonstrated as they were fully aware of the violations after being informed.
Product: Credit card

I sent certified funds via certified mail to Synchrony Bank/Sam 's Club to pay off this account in XXXX, 2015. It was signed for on XXXX XXXX, 2015 and can be verified at usps.gov. I have the tracking number. I have copies of the returned certified mail receipt that was signed by their representative. They lost the check and have added another months interest as well as a late charge. I have contacted them four times and get a run-around and an attitude that I 'm a deadbeat or am simply ignored. They are n't even offering the courtesy of a phone call, email or any form of update as to what, if anything, they are trying to do to remedy my issue.
Product: Credit reporting or other personal consumer reports

I appreciate the attention given to removing some fraudulent items from my file purportedly stemming from fraudulent activity. However, there are still outstanding items requiring removal. As a victim of fraudulent activity, I reiterate my request for the removal of these items from my credit file, as mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), not later than four business days after XX/XX/XXXX. I have previously addressed this matter in both the FTC report and letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, some of the information provided on certain items is unfamiliar to me and has been expunged from other bureaus, casting doubt on its accuracy. This correspondence serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action should there be willful noncompliance. Please find below the listed items per bureaus that require removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$23000.00} - FTC XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$490.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$23000.00} - FTC XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX. Please note that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND TRANSUNION. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Credit reporting or other personal consumer reports

This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 ITEMS. 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Loan company sent check to my bank and withdrew money when acct was paid bank day they paid but I didnt have money in acct at time I went negative on acct bank charge me nsf fees I ask loan company to put money back they said yes but I am still neg with bank after 2weeks I cant pay loan company again l am already 2payments over loan and bank keeps going up on negative acct lm XXXX on fix income what can I do XXXX is the bank involved
Product: Debt collection

Ive been contacted several times via phone and email about a debt that Im unaware about from this company. I asked the company to verify the debt that I owed to them they stated that they were a third party debt collector and couldnt verify that I owed there company anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX  - {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both the creditor and credit bureaus multiple times and I get no response from neither one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 : XXXX XXXX XXXX  XXXX XX/XX/20 : Suntrust DBA Lightstream XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Product: Credit card or prepaid card

In a nutshell, Barclays is incorrectly reporting a 30-day delinquency. Minimum monthly payments had been set up since the card was opened in XXXX, but this fell off without my authorization or knowledge and caused the late payment, which is straight-up fraud. 

Below is what I sent Barclays. They responded by saying they were declining to remove the incorrect information, which is just so wrong. 

I paid off and closed my XXXX XXXX XXXX XXXX XXXX ending in XXXX in XX/XX/XXXX. I cut up the card and didnt keep any statements, so I do not have the full account number available. I am writing as the incorrect 30-day delinquent payment from XX/XX/XXXX is still appearing on my credit reports even though it was an error caused by Barclays. This issue was settled as soon as I saw it and I was told it would be removed from the reports, but it hasn't been. 

Ive always had this card set up for automatic monthly payments and it fell off without notice and I had no idea the payment hadn't been made. When I contacted Barclays about the delayed payment issue, they refunded the amount and I promptly paid the outstanding balance and closed my account. The late fee was refunded and I was told the negative mark would be removed from all credit reports. This was a lie as not only has it not been removed, they are now refusing to remove it even though none of this is my fault. 

To add another element of absurdity - as a consequence of this single delayed payment over 13 years - Barclays also reduced my credit line from {$10000.00} down to {$500.00} without any notice whatsoever. 

As if this hasnt been traumatic enough, I had a horrible experience with Barclays ' fraud department that went over an excruciating 7 months from XX/XX/XXXX until XX/XX/XXXX. They offered zero protection when they absolutely should have. I am not happy at all that there are now more issues and Im having to chase them down AGAIN to rightfully clear my name. I will never do business with Barclays again. Period. Buyer beware!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote an letter to JPMCB ( XXXX XXXX ) and XXXX total amount XXXX to state that the original creditor had died and I sent copy of proof of death certificate. I never received any response back and XXXX  just states that the account has been verified. Thats when I reached out to the creditor and never heard anything back. I never received an answer back and its been over 30 days. 

Same issue with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate about my case, and delete the negative items that I already paid and its still on my report like a negative accounts. I have inquiries I didnt authorized and I dont want it in my credit report, delete it please.
Product: Debt collection

In XX/XX/XXXX I terminated my XXXX XXXX, cause of faulty issues in there equipment. When I terminated my account. I was told I would not be charged or any payment would be needed. I was told multiple times. The people their said as long as I return the equipment that was theirs. No charges would be pressed, I have retuned there properly. 
I dont know why Im being charged or something I wasnt supposed to be charged and didnt know
Product: Credit card or prepaid card

Yesterday, Sunday, XX/XX/2021, I tried to use my card at a retailer who accepts American Express, for a total charge of {$11.00}, and my card was declined twice. I knew I had enough to cover that purchase. When I called the customer care number, the automated system told me my balance was {$39.00}. When I finally got through to an agent, after waiting on hold and having my call dropped, I was told there is nothing wrong with my account, and she didnt see any declined transactions. She stated the retailer didnt run my card correctly but didnt explain how to fix it. So I went to a XXXX ATM and withdrew {$20.00} so I could complete my purchase. Later that evening I added one of my debit cards so I could combine my money. My account was verified, as I was able to identify the two temporary charge amounts of {$1.00} and {$1.00}, used to confirm my ownership of this account. 
This morning, Monday, XX/XX/2021, I attempted to transfer {$18.00} from my debit card to this account. I got a dialog box Oops, this is embarrassing, we seem to be having technical difficulties, please try again later. I tried to login to try the transaction again, and it kept saying my password and login do not match. This was concerning because I KNOW I didnt change my password. When I tried to use the forgot password link, and entered my card information, I got the same error as described above. After waiting a few minutes, again, I tried a couple more times to reset my password, continuing to receive the same error. I called the customer care line, entered my card information, and was told my account access was permanently suspended and an email would be sent to the email address on file. The email stated I had violated the terms of use per section 22D, and I could write to the address in the email for more information. This is not acceptable so of course I tried to contact customer care again, 5 times. Each time my call was dropped with no further help or explanation. I could not locate this section of the terms of use online, and after a quick search on consumer complaints, I found a number of people experienced this same issue. I have had nothing but issues with this company, but this has taken it too far.