23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a secured credit card with Discover last year with limit of {$200.00} dollars. Last month ( XX/XX/XXXX ) the credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score. I 've being using XXXX card after I had my Discover and they gave my high limit and already increase without I 'm asking. I called the XXXX XXXX asking limit increase because even one student does n't have a lower credit limit like I am. The attendant was very nice but said my request was denied. 
I would like to have a fair credit limit and better relationship with Discover. I would like to point out I 'm very glad the checking on my score was soft instead hard pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank accounts were compromised, part of the money from both accounts was stolen, it was applied for more than 15 debit cards from different banks and it was applied for a personal loan in XXXX that is reported in my credit report and I can not contact this company
Product: Debt collection

My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously
Product: Mortgage

I fell victim to negligent practices described by the CFPB regarding my mortgage account and have not received a refund check for same from Well Fargo Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 reporting or other personal consumer reports

I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!!

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Account Name : BANK XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  XXXX Account Number:XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Product: Student loan

On XX/XX/year> Mohela received a payment of {$400.00} and is currently reporting my loans as past due on XX/XX/year>. In addition, Mohela is withholding {$2100.00} ( {$130.00}, {$540.00}, and {$1500.00} ) of overpayment funds for loans XXXX, XXXX and XXXX ( loans forgiven ) and they are refusing to refund my overpayments. 

XXXX
Product: Credit reporting or other personal consumer reports

After requesting and receiveing a report from TransUnion I noticed several errors. On XX/XX/XXXX I sent TransUnion a Certified letter listing all violations and fraudulent reporting on my report. On XX/XX/XXXX I received a revised report with very few corrections made, after pointing out and verifying the correct spelling of my name, the investigated report still is reporting unidentifying names. XXXX XXXX  XXXX # XXXX. transferred my loan to XXXX XXXX XXXX Acct. # XXXX and the report shows both XXXX  and XXXX XXXX is reported over lap dates ; Date Open/Last Payment Made. For this to have been re investigated I still have inaccurate reports and incomplete entries. Dates over lap one another/double reporting. Inaccurate reporting for this to have been INVESTIGATED. I need a written letter stating the companies name that verified this information. These are two of many errors that came back incomplete or inaccurate, in my request for TansUnion to Investigate my report. As per USC 1682, in conducting a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. The response from TansUnion was over 30 days and inaccurate and unjustified reporting was still on my report. Please Help ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with XXXX, Equifax, and XXXX consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' XXXX services provided on XX/XX/2018, as alleged and reported by XXXX and XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX. 

XXXX. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX XXXX provided on XX/XX/2018 as alleged by XXXX and XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX balance. As there is no balance due XXXX there is no debt due XXXX/ XXXX. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with XXXX, Equifax, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

IV. 

The foregoing considered ; I respectfully request : 1. Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to Equifax, XXXX, and XXXX consumer agencies by Harris and Harris. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX XXXX 2021, an account was deleted from my XXXX file ; on XX/XX/2021, the same account reappeared the amount was XXXX and the company was Gm Financial
Product: Checking or savings account

I had 2 bank accounts with Bank of America. I had my single account for more than 20 yrs. The 2nd one was opened jointly with and for my son in XX/XX/XXXX. In XX/XX/XXXX, my son 's bank card was lost and someone deposited checks into his account in a different state. I am now in XXXX/XXXX  for fraud. However, I did nothing fraudulent and never have with my bank account.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. Experian reports that I am 180 days late. XXXX reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/15 I made several attempts online to freeze my credit with Experian. I only received a generic message saying we can not freeze your credit with no explanation. But I was encouraged to file for a fraud alert instead I then called ( XXXX ). and got the same spiel about I should request a fraud alert vs a freeze this was a robot message that said I cant help you call another day and hung up. Considering that I was able to add a freeze to the other two reporting agencies I think it is suspect and cruel that Experian can dupe people into thinking they can freeze their account only so they can sell them other services or perhaps it to beat the other two reporting agencies by being able to sell the info frozen on their sites. Experian are thieves and need to be stopped
Product: Debt collection

I have a collection by the name of spring oaks cap for {$790.00} dollars the account number is XXXX by 15 us code1692c if a consumer notifies a debt collector to cease further communication with the consumer The debt collector shall communicate further with the consumer with respect to such dept
Product: Credit card or prepaid card

I contacted Synchrony XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi switch monthly billing to emails which my email block them as spam it took over a year to get billing switched back to paper billing, I should not be penalized as i was not receiving billing information
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party company that buys debt " profile recovery associates '' puts the wrong date on credit reports. After they buy a debt they bring a new claim to the credit bureaus which appears on your credit report twice. Once under the orginal debt and then again with a new date with their company name " profile recovery associates ''. Their tactic extends the time the debt remains on credit reports. I had the delicates removed but now two bureaus XX/XX/XXXX and XX/XX/XXXX have failed to remove it after an investigation. Only XX/XX/XXXX removed it properly.
Product: Debt collection

In an effort to clear up info related to complaint : XXXX, I wish to be clear that out issue is with subprime lender XXXX XXXX  and not XXXX XXXX - which is whom sought the loan for us. To recap, my wife XXXX XXXX XXXX XXXX XXXX and I are being sued for approximately {$50.00} on a predatory loan from the summer of XXXX. We are both of working class means and a judgement on their behalf would be financially devastating and would likely end with bankruptcy. 

Another point to consider is that we were offered and accepted, a XXXX for XXXX program in late XXXX - early XXXX, which we completed under the agreement that we would vacate the residence with the understanding that we would not longer be responsible for any related forthcoming debt ( on the property / mortgage ). 

Furthermore, the name of the bank and the amount keeps changing XXXX from XXXX XXXX XXXX  XXXX was one of the major drivers of the collateralized debt obligation ( CDO ) market during the housing credit bubble from XXXX to XXXX, creating about {$32.00} XXXX worth. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report on XXXX XXXX and the Financial Crisis analyzed XXXX XXXX  as a case study of investment banking involvement in the mortgage bubble, CDO market, credit crunch, and recession. It concluded that even as the market was collapsing in XXXX, and its top global CDO trader was deriding the CDO market and betting against some of the mortgage bonds in its CDOs, XXXX XXXX  continued to churn out bad CDO products to investors. 

Any assistance and/or advice would be greatly appreciated. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report again on XX/XX/XXXX. I Saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]