23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 c purpose.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Southwest Credit offered a settlement option which was fulfilled but never informed XXXX XXXX XXXX that the account was settled in full. I spoke with SW XXXX and they offered me a settlement of XXXX which was spilt into XXXX payments of XXXX. First payment was taken out of my account on XXXX and the other was taken XXXX XXXX. The supervisor I spoke with advised that I would get a paid in full letter after the second payment. An agent called me a couple days after the second and final payment and stated that I still owed a balance of XXXX. I then explained to that agent that I had already settled in full. He said the account was n't closed correctly and he would close the account correctly and that I would get a paid in full letter. I never got a paid in full letter, but I id see that it was credit reported as XXXX and zero balance. Then on October, XXXX I got a call from a different collection agency saying I owe a balance of XXXX and I never settled in full. I called Southwest Credit back and they said for the third time that they are sending a paid in full statement. I also called XXXX XXXX XXXX and they stated that Southwest Credit NEVER reported the payments nor did they report that the account was settled. It was still showed as an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XX/XX/2022.
Product: Checking or savings account

XX/XX/XXXX : XX/XX/XXXX I am on a fix income and get paid once a month. Two times one in XX/XX/XXXX amount of {$53.00} dollars was deducted from my account from a closed account I closed a month earlier, second time {$48.00} was deducted from my account XX/XX/XXXX by a business I did not even know are agreed to.I had only ten dollars are less, but the bank, ( US BANK ), still  deducted the fees and charged me a {$73.00} dollar overdraft, ( THAT I DID NOT ASK FOR ) .They should of called me are not even allowed this without my approving.I called them at the fraud hot line to report I error, they said the second charge, ( {$48.00} ) would be taken off, ( I CALLED US BANK ON XX/XX/XXXX ) and still the charge went through.I have no overdraft agreement so nothing should have been done.
Product: Credit card or prepaid card

Since XX/XX/2022 they have been trying to take an automatic payment from a closed account. I have tried several times to stop. They keep attempting this and it is closed and keep charging me returned fee of {$41.00} each month. They're only policy states that after the first time it is suppose to be removed but they have charged me XXXX {$41.00} fees for repeated attempts I was not able to stop for an auto payment from a closed account.
Product: Credit reporting or other personal consumer reports

I notified all 3 Credit Reporting agencies XXXX XXXX, XXXX, and XXXX- as well as Capital Ones CreditWise subsidiary- that I was no longer an authorized user of my estranged spouses XXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a car from a car dealer shop called XXXX. XXXX XXXX XXXX. The car dealer spoke to XXXX XXXX XXXX XXXX twice without my consent on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX received the VIN number of the car XXXX XXXX XXXX. They did not check the VIN report or check the accurate price of the car value for XXXX dollars. XXXX XXXX XXXX XXXX released XXXX dollars in to the car dealers account XXXX XXXX that was not a legit company. I did not receive the car or get a refund. XXXX XXXX XXXX XXXX XXXX department is aware the car was sold to another car dealership that is registered to the XXXX report called XXXX XXXX XXXX XXXX XXXX XXXX  confirm the car was sold with the title. XXXX XXXX XXXX XXXX was denying my disputes of the auto loan for XXXX months. XXXX XXXX XXXX XXXX is taking unauthorized fees from my credit card to pay the auto loan. I have XXXX police reports and FBI report. XXXX XXXX XXXX XXXX refused to call me back for a resolution.
Product: Checking or savings account

Citibank Business is offering a bonus of up to {$2000.00} when you open a new business checking account. The bonus you receive depends on how much you deposit, balance must be maintained for 60 calendar days after deposit. 
Receive a {$200.00} bonus with a {$5000.00} deposit Receive a {$500.00} bonus with a {$15000.00} deposit Receive a {$700.00} bonus with a {$25000.00} deposit Receive a {$1000.00} bonus with a {$50000.00} deposit Receive a {$1500.00} bonus with a {$100000.00} deposit Receive a {$2000.00} bonus with a {$200000.00} deposit -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I deposited {$100000.00} into my business checkin acct for the 60 calendar days and was supposed to receive the {$1500.00} bonus, but Citibank has not complied with offer terms
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the account below XXXX XXXX XXXX, Account # XXXX which Experian stated has been verified and updated. 

I am writing to request a detailed description of the investigative process followed by your agency regarding the disputed account on my credit report. Pursuant to the FCRA 15 USC 1681 ( 7 ). 
Under section 15 USC 1681 ( 7 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute.
Product: Debt collection

I have a credit collection agency that popped up for a {$52.00} debt from XXXX XXXX XXXX Im unsure why, as I havent had progressive for YEARS and I was never once contacted by anybody about any possible past debt nor was I EVER contacted by the collection agency. I was never given a wrote to dispute or an explanation of why or what for. If I didnt have an app to watch my credit I NEVER would have even known they were dragging my credit down.
Product: Debt collection

The last time I went to  this dr my b ill was paid in full. They also charged me too much money and gave me the remaining balance back. They also charged me for xrays that were not given. This matter I thought was dealt with. I want all bills and payments showing this is owed. I also had insurance. They messed up every time I went in there. I do n't owe anything to  this dr . I am paid in full every time I seen this dr ( co   payment ). You have to pay any amount due otherwise they wont see you. I do n't owe anything. I want this removed from my credit file right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans that are current are showing up twice, once as current and as late. Both have the same account numbers, the credit reporting company continues to report 11 loans as late monthly even when they are current. I have tried many times to contact them and they tell me they will fix it and they never do. This has been going on for over 6 months. I have also contacted the department of education and they say this should not be happening to contact Transunion, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX XXXX XXXX that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

BLUF : A loan was taken out in my name and a lien on my house to do work that was never done, nor authorized to be done. I rejected the solar panel plan and did not want anything done to my house. No work on the house was done, but a loan was still originated without my consent. 

Around XX/XX/XXXX : A solar panel installation company called XXXX XXXX XXXX ( XXXX ; XXXX ) did an unsolicited quote for solar panel installation on my new property at XXXX XXXX XXXX XXXX, XXXX XXXX SC, XXXX. 
I listened to the pitch and I gave them my info and I told them that I would think about their proposal. 
I called the sales agent after a few days and told him I was no longer interested in installing solar panels in my house. I checked the XXXX XXXX login portal and my status said the project was suspended. 

The date is now XX/XX/XXXX. 
I am in the process of buying a new house, and my credit report shows a lien on my house from Solar Mosaic LLC ( XXXX; XXXX ). The loan amount is {$26000.00}. ( Mosaic Loan Number XXXX ) I was never notified by phone or mail that this loan was being taken out in my name. 
XXXX XXXX uses Solar Mosaic to finance their projects. 

I have contacted both companies and requested that this lien be removed because I did not request solar panel installation. No installation was done nor planned, but the lien was placed anyway. 

It has been over three months since I originally contacted both companies. I recently called XXXX XXXX and got a new support ticket. 

XX/XX/XXXX XXXX XXXX support ticket # XXXX ( email and phone call ) XX/XX/XXXX XXXX XXXX support ticket # XXXX ( phone call only ) I have also called and emailed Solar Mosaic about the loan cancellation. They need approval from XXXX XXXX before they can cancel the loan. Mosaic has emailed me several times indicating that XXXX XXXX is not responding to their requests for cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrusctions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. 


XX/XX/2022 - {$620.00} XXXX XXXX- {$300.00} XX/XX/2022 - {$6200.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX
Product: Credit card

I have had my Macy 's store card for several years now. Overall I have made payments on time. I may have been late 3-4 times but to cut my limit down without notice when I had to order a new card without warming is unprofessional. They did not reach out nor send notice. I went to make my monthly payment and noticed on this card the limit was cut. This is the second time this has happened. I notice that my counterparts have been late making payments in their accounts and have similar credit issues but their limits were not cut or reduced. When the limit is cut upon making payments this effects the interest rate as well as the utilization score for my overall credit. I don't appreciate the way my account has been handled and feel discrimated against as well as my civil rights violated. Treatment within credit cards should be the same across the board. Not based on where I live or other financial demographics when I am making timely payments not past a 30 day late period or even a past a 7 day period. 

I will provide card statements via email upon further communication should the company refuse to do so. Due to the secure nature I'd have log out to download the statements and upload. I am unable to do that as I submit this complaint currently. 

I've had issues with CitiBank before. When my Citi XXXX preferred secured card account expired the company gave me a {$200.00} credit card limit. I paid on time but when the card when up for expiration the company said I requested my account to be closed and I did not. When I spoke with an agent the company said I did not meet the criteria to renew my account. I never received notice prior to my account closing nor an email. I'll follow-up with another report.
Product: Credit card or prepaid card

XXXX XXXX, 2017 received notice from Chase **WARNING** Chase is UNFAIR to long term customers!!?! ** I 've been a Chase Ink Business Credit Card holder for nearly 20 years and have never missed a payment. Though I have been late never more than a day. During a recent hospital stay a relative made my payment late ( a day ) and to my disappointment Chase raised my interest rate to a draconian 27+ %. I called and an account manager named XXXX ( nice woman ) who told me that unfortunately there was nothing to be done. Over the years I have had a mortgage, line of credit and several credit cards, personal and business with Chase. Paid them all in good faith and this is how they reward loyalty. <P/>STAY AWAY FROM CHASE.
Product: Credit reporting

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all three when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. They also include a Credit Card opened at XXXXXXXX XXXX XXXX XXXX  under the account number XXXX. Additionally, there are two Student Loans opened at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX  I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX XXXX Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW XXXX. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX XXXX. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Debt collection

Company name : National Credit System Account numberXXXX Apartment name : The fuse at park row I would like this collection to be removed from my credit report. This apartment didnt issue back my deposit of {$500.00} and they trying to let me pay for a damage that a crew of the maintenance guy did
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is legit what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing. 

XXXX
Product: Mortgage

I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help.
Product: Debt collection

I filed for bankruptcy in XX/XX/XXXX. All my accounts were handed over to a law firm. I checked my credit report in XX/XX/XXXX and  noticed that all my accounts have been closed and discharged except one from XXXX XXXX for {$1600.00} ( originally from XXXX ). I look up their phone number and call ( XXXX ) XXXX to get an account number so I could dispute since I have recieved nothing in writing prior. I speak to rep that transfers me after I provided my social. The second rep proceeds to verify my identity and then tells me that they will not provide me with even an account number.