23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are XXXX years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it XXXX years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX 's XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

I requested details regarding the specific activity or action that caused my credit score change because it's nowhere to be found when logged into the Equifax, XXXX, or XXXX websites when logging into my account. Credit bureaus are notorious for advising that " There are many factors that cause score changes '' but they don't provide any specifics for the consumer 's own knowledge. Consumers should not have to hunt through their credit reports to find out why their scores changed. I don't have much on my report but I don't see any recent changes that would warrant a score decrease. It's just as hard to tell why your score increased. Again consumers should be provided with specific explanations. Credit agencies should be required to be transparent with their scoring scale, categories for scores, and how specific actions affect the score. 

Credit reporting agencies should provide documentation that breaks down each score-changing scenario. Example scenario for a transparent system : Credit balance increases result in a score decrease if the increase causes the debt-to-income ratio to be more than 35 %. Your credit balance increased from {$1.00} to {$10.00}. When calculated against your entire debit portfolio that increase resulted in a debt-to-income ratio of 35 %. When your debt-to-income ratio is 35 % or higher credit scores decrease by XXXX XXXX 

The scoring system should be specific and not random. As in the example above there should never be other score values for that scenario. Consumers would know that they'd lose XXXX XXXX At no point should the bureaus be able to take XXXX XXXX one month XXXX XXXX  another month, and XXXX XXXX another month. It's really ridiculous that consumers are at the mercy of credit bureaus that can increase or decrease scores to whatever numbers they want without explaining exactly why and providing documentation on scoring formulas/scales. 

This is important to be even given the fact that the decline in my score was minimal but still matters to me.
Product: Debt collection

phoenix financial services collection agency bought a old medical account from another collection agency which that debt was removed deleted from my report long ago the are now trying to re ageing this account and put it on my my credit report as a new account originally XXXX XXXX XXXX which I have not entered any binding contracts or signed anything with any of these companies! not my debt.
Product: Checking or savings account

Citibank has recently shifted to " simplified banking '' which is not simple. They have a disclosure which is very difficult to understand and know what fees I am subject to. I asked if based upon my activity I would be subject to the new fees and their response was that there is one account which will be subject to the fee, but did not tell me which. I have asked to know which account is subject and they have failed to provide this information subjecting me to the new fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I found an unknown inquiry to XXXX for New Tradeline from CBNA with Business address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Business type : N/A Account type or status : N/A Balance : {$1700.00} I did not authorized this inquiry and want to remove it from my record. Also want to know why they made this inquiry. 
Please help me secure my information. I am totally unaware of the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting approved for a mortgage. I was informed by a mortgage broker on the XXXX of XXXX that I had a freeze on Experian that looks like it was frozen on the XXXX of XXXX. I did not place the freeze. 

I tried contacting Experian to find out why I had a freeze on the XXXX after finding out from the broker that there was a freeze. Experian 's phone service is abysmal. There is no way to talk to a human and their automated help could not answer my question. I finally emailed them, but their response did not answer the question of why I had a freeze and kept answering questions that I did not ask and dodged the question I did ask. They say I can't talk to a human either. 

I just want to know why my credit was frozen and if I should have any concern it is frozen without me requesting it. 

Note that I did unfreeze the account on the XXXX after creating an account on their website which I did not want to do, but was forced to do.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt and Request for Validation Account : XXXX Dear Midland Credit Management , I am writing to formally dispute the debt referenced in your communication dated XXXX XXXX, 2024 I do not recognize this debt, and I believe there is an error. 
It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with Midland Credit Management, or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within XXXX  days : 1. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements. 
2. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt. 
3. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 
Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 
Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 
I look forward to your prompt response
Product: Checking or savings account

Today I went to the bank XXXX & XXXX XXXX Georgia with a check to cash, Im an XXXX XXXX, I'm automatically wrong just by being a blackwoman.I was racially profiled.I sat at the bank for over 30 minutes They told me they had to verify the check, and they needed a cold to verify the check, They have to call a XXXX number, They needed a code to process the check. The simple code was the teller calling the owner from her cell letting her know my name and the amount. After that happened they cashed the check apologized as I walked out I told them I was racially profiled and it was wrong what both tellers did, I left the teller called the owner that gave me the check, The owner called me went off on me and told me I was not welcome in her store anymore because of what the bank told her. I Told her I can't believe this just because of what the bank said, but I called you and told you your employee was trying to buy my pain pills from me keep calling my phone numerous at times got my information from the office and wouldn't leave me alone. That's why I went off in your store that day, She shot me up and told me none of that mattered, The other people are Caucasian what chance would I possibly have, been a XXXX XXXX stage XXXX XXXX patient. I'm not allowed to come back in anymore. All because of what the teller called and told her, I was racially profiled bottom line, I don't know if I have to get XXXX XXXX or any other XXXX American Advocate but I could not have went off that bad after being shot, having lupus and having stage XXXX XXXX. Going through XXXX XXXX times a week. Not once did I use profanity, never got loud with my voice, only simply questied them because me and other people that was in line knew they were wrong. Other customers waited on me to come outside and tell me Did they cash it That was so wrong. Not only they violate me of my rights They called the owner all the connections are right there How do a XXXX woman stand a chance by herself. Whatever ball is thrown at me I have to eat it up.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report, they are hurting my ability to obtain credit and buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/2020 ; XXXX Date of Inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX XXXX   XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Late payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an auto loan with Toyota mtr account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information Toyota mtr is reporting to the XXXX XXXX and XXXX according to the fair credit reporting act 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.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX XXXX and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
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Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 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 recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX  Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX MN XXXX Dear XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details ofthe account are as follows : Account Number : XXXX Date of Charge-Off XXXX XXXX Amount Charged Off : {$1800.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX. 
XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXk : # 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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I paid off an XXXX XXXX XXXX Acct. with 2 payments on XX/XX/year> in the amount of {$10.00} and on XX/XX/year> in the amount of {$50.00} for a total debt payment of {$60.00}. It reflects as paid and closed on my credit builder account but does not come off of my credit report as an unpaid account now 120+days late. I've contacted both XXXX and Transunion to remove it and have submitted disputes that have gone ignored ( XXXX ) when they said they would get back with me ( and gives wrong information on that it wasn't paid - even though it reflects correctly on Credit Builder ) and denies my dispute ( TransUnion ) 6 times already ( submitted on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an active dispute ( submitted on XX/XX/year> ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all. 

I have been denied employment, credit, and housing due to this issue and have only been able to live in a hotel with no stable residence. I was subsequently homeless once COVID-19 started due to the hotel having fear. 
I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically
Product: Credit card or prepaid card

This is in reference to more a visa debit card not credit card..on XX/XX/2019 i entered suntrust bank on XXXX XXXX XXXX XXXX, XXXX, ga XXXX to get a cash advance off my visa debit card..the teller refused to issue funds to me even though i had proper i.d.drivers license and additional i.d . and funds where available..im not a customer of suntrust but just needed the funds issued to me..they told me i could use the atm and get the funds but atm only issues out a certain amount and i need more than atm allowed..there excuse was they only do advances on pre paid cards which is rediculous ... i have worked at banks before and never heard of such a practice they stated was there policy..for one its an unfair practice ..i cant receive funds from teller but i can go the atm where i will be charged fees.. next i have gone to other suntrust bank where i had no problem at all and they issued funds to me so how can one bank issue funds and another not ... this bank is not following banking guidlines or picking and choosing who they issue funds too..suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX issues funds to me in the past with no problem but suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX doesnt follow same guidlines