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

Both XXXX and Equifax decreased my credit score within the last week downward by 12 & 13 points. The reasons reported by these agencies was that my credit utilization rate had increased from 9 % to 20 % WHICH IS SIMPLY NOT TRUE.

I have three credit cards ; two with XXXX XXXX ; one with XXXX XXXX XXXX. My credit usage percentage is 9 % as reflected by both agencies own numbers. My total credit available actually increased by over {$2000.00} during the last 30 days to a total credit line between the 3 cards which is {$500.00} + {$950.00} + {$4500.00} = {$5900.00} credit limit. My total debt has not exceeded {$600.00} during the last 60 days, which would put my usage at about 9 %. I KNOW this because I Monitor my accounts daily and I herein challenge their numbers and DEMAND they be held accountable. 

Both agencies reported my credit balances incorrectly. While one card went down, the other went up slightly ; yet the bureaus reported both at their higher value as if they were that amount simultaneously -- which never happened. I invite you to pull my actual daily records from XXXX XXXX and XXXX XXXX XXXX and examine my daily credit balance against my credit line daily. It is not and HAS NOT been at 20 % during the last 60 days as these two agencies would have you believe. These two agencies took the high from two different cards on two different days and reported them as if the occurred at the same time -- which they did NOT. 

Because of their misrepresentation of my credit usage, both of these credit agencies lowered my score as stated above ; which hurts my ability to get loans at a better rate. I want this CORRECTED immediately. AND ... there needs to be some ACTION against such incorrect reporting. 

This is a prime example of the insidious nature in which credit bureaus artificially and purposely lower credit scores of consumers, affecting their lives negatively and without just cause -- except to benefit the financial institutions who Pay for the credit agencies. 

Credit Scores are held artificially low because such practices benefit the financial institutions that use lower scores to charge larger finance charges. 

ALSO, the exact mechanism by which credit bureaus calculate your score is held as a tight secret. Why should this be? There 's no reason to hide this information from the consumer. After all, it is the Consumer that bears the impact of these practices. Consumers deserve to be able to acurately and without guess work understand HOW their score is calculated and to know accurately how they might Positively affect their scores. This needs to be changed and veil of secrecy that only benefits the credit agencies lifted. 

Accurate credit scores could be utilized for the benefit of the consumer and financial institutions. However, scores need to more accurately reflect the overall financial state of the consumer. 

CFPB has done a wonderful job of exposing some of the injustices of our financial institutions relative to consumers and deserves immense credit for that work. I hope that will continue. 

Thanking you in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection.

I can prove to you that the debt buyer LVNV Funding LLC has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.
Product: Bank account or service

I filed a complaint regarding wells fargos mishandling of my HSA account and their response to it was a judgment from 2015 for the same issue that was already resolved. I have now missed 3 days worth of work to try to get this resolved and due to Wells Fargos lack of attention to detail, nothing has been resolved. Their response is a horrible example of how they treat their customers and handle their accounts. I have included my pay stub reflecting 2 days of missed work that I am now in further financial hardship because of this and also the ridiculous response from 2015 's judgment that has already been resolved. I have to now go to court on the XXXX of XXXX to resolve this issue that should not have even happened had wells fargo paid attention and handled my account with the fiduciary responsibility they are supposed to
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX and XXXX  in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently reviewed my credit report with Equifax and to my surprise. I found unauthorized and unknown credit inquiries on my credit reporting account with Equifax. I didn't authorize nor give consent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There's actually 11 more unauthorized inquiries, but they are duplicates. For a total of 19 unauthorized inquiries.
Product: Debt collection

In 2018, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

Selene letter acknowledged my mortgage assistance application XXXX and stated it was complete. It also said I was entitled to foreclosure protection since they received my application. My house is suppose to foreclose on XXXX XXXX XXXX They have not canceled the foreclosure. I have requested it be cancel several times. I read on Consumer protection website the foreclosure sale is to be cancel while my mortgage assistance request is being processed.
Product: Debt collection

I believe Hiday & Ricke , P.A . are trying to, once again, fraudulently collect on an old debt from over 20 years ago. Apparently there was an arbitration in XXXX that I knew nothing about and was not present at any of these apparent proceeding. In my attempts to trace any possible old debt, all I could find was a possible old XXXXXXXX XXXX XXXX that my wife had used that had less than {$1000.00} limit on. I am unfamiliar with any of the names or companies listed. I've never done any business with XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX  XXXX. AS SUCCESSOR IN INTEREST TO XXXX XXXX XXXX XXXX. Apparently they won a judgement against me for {$22000.00} and the nightmare began. Almost 15 years ago they use the courts to take money from my bank account and then contacted my school ( XXXX XXXX XXXX  ) attempted to garnish my wages. My embarrassment and my ignorance of the law found me trapped in a meeting agreeing to a payment plan for I debt I had never heard of or that exceeded any possible old debt they may have purchased. I paid them over the next several years over {$10000.00}. I missed a payment one month and they sent me a letter stating that I owed them {$41000.00}. That's when I knew that this can not be legal. How is that possible? They continued to place exorbitant fines and interest that continued to double the debt. I tried to fight them in count representing myself and was predictably overwhelmed and swamped with legalese. They put a lien on my wifes car and disappeared for 6 years. I received a Subpoena Duces Tecum Without Deposition two weeks ago. I wrote them to again contest and again asked for the source of the original debt and to appeal for some resolution. No response. Today I received a letter from my bank that they had received a subpoena for my band records from Hiday & Ricke and I have till the XXXX of XXXX to have my attorney respond. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This law firm is set on destroying everything I have without a second thought and milking me for as much as they can get. How can I end this nightmare? I am not the only victim of this Company. There are multiple stories of this firms abusive and heartless tactics all across the state.
Product: Checking or savings account

On XX/XX/XXXX, several fraudulent transactions were made through a company called XXXX, an online event ticketing company, totaling {$6200.00}. I believe there were XXXX or XXXX separate transactions of different amounts. I noticed the transactions and immediately alerted Chase, our bank. We spoke to a Chase representative on the phone and they canceled the card that was used. We asserted that we did not make any of the purchases from XXXX. All were fraudulent. Chase refunded our account and erased all the transactions from our statement, with the exception of one. Chase refunded {$4400.00} completely and gave us a temporary credit for the remaining {$1700.00}. On XX/XX/XXXX, however, Chase reversed the temporary credit and took {$1700.00} from our checking account because they claim that that one transaction was authorized by us. It was not. We did not authorize any of the transactions to XXXX because we did not make any of those purchases. We have asked Chase to refund our account, but they consider the matter closed. We asked why they think we authorized the transaction, but we got several different answers from them over the phone. They claimed we authorized via email. We received a fraud alert email ( see attached document for a {$720.00} fraudulent transaction ), but we did not authorize ANY of the XXXX transactions. Then they claimed we received an " alert '' and authorized in the app. We did not receive an alert nor did we authorize any of these transactions. They asked me if I had lost my phone, because they wanted to record me saying something that would, apparently, strengthen their case. The fact remains that we did not authorize any of the transactions totaling {$6200.00}. Chase recognized the fraud for all the other XXXX transactions, to the tune of {$4400.00}, for which we are thankful, but they refuse to make us whole by refunding the remaining {$1700.00}.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines SYNCB AMAZON ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation. XXXX/XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXXXXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ XXXX to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XXXX and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account number XXXX ) 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and was approved last year for Total and Permanent Discharge of my student loans. XXXX  has removed the loans from my credit report, but after disputing two times with TransUnion they state the loans are correct and due and will stay on the report. 

I have several student loans on my report this is the results of one of the disputes XXXX Reported on XX/XX/2010 {$5800.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Sold home on XX/XX/2022, and title company sent payment to Amerisave mortgage company. In late XXXX called and verified escrow was being paid out. America we had incorrect mailing address. I checked with title company and they had forwarded new mailing address with pay off amount. In early XXXX I received a letter detailing escrow account with statement stating XXXX payment and it stated check was sent out separately. I called and requested new they did not provide status of check. After XXXX weeks of waiting I call at the the end of XXXX and requested a new check be sent, and that I would have this prior to the end of XXXX. In early XXXX after 90 days, I still have not received a escrow refund check of over {$3700.00}, or a lien release / mortgage off statement. Considering hiring lawyer if not resolved within next XXXX weeks.
Product: Credit reporting or other personal consumer reports

Last month I had written TransUnion asking for written verification regarding items on my credit report. According to the fair credit act 609. 
Previously my checking account had been compromised and had to change our debit cards twice. I explained all of this in my letter. 

I received an updated credit report this week stating all was accurate. However no written evidence was provided which was requested. I have tried multiple times calling them, only to get shuffled in to computer limbo.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX, XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX never belonged to me. My Social Security number does NOT end in XXXX, the correct last four are XXXX. There are several numbers listed and the only correct phone number that has belonged to me is XXXX. Spouse or co-applicant should be XXXX XXXX XXXX XXXX, not XXXX. Please remove XXXX, for he is not my husband and we do not have any credit lines together. I can provide a marriage certificate and demonstrate he does not belong under spouse. I would like his name to be removed completely from my file or association.
Product: Debt collection

I received a collections agency letter for a medical debt in a name of someone in TX that has the same last name as me. I do not know this person and I live in Iowa. This is either identity theft to some extent or skip tracing that went wrong. Ive never heard or this company called XXXX XXXX XXXX XXXX XXXX. The amount that is owed by this individual is {$1900.00}. I received this letter today, XX/XX/2022. Please help as I have a perfect credit score and this is unbelievable that a company can falsely charge the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

DP OF EDUC XXXX CHILD SUPPORT ENFORCEM XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I didnt apply or open up a capital one card ending in XXXX in my name and it hurting my credit report in my name it has a balaance of XXXX from a quicksliver in my name i need have this fraud case reopen and im willing to send in a police report if needed but capitol one isnt giving me the fax number and kept putting me on hold too long and would not open up a fraud case and i never use this card at all dont know who apply for this card in my name this is identiy theft
Product: Credit card or prepaid card

Fifth Third Bank refuses to comply with the Fair Credit Billing Act. 

On XX/XX/XXXX, I mailed my dispute letter ( Exhibit A ) because of billing error. I asked for written proof of purchase and clarification of the {$180.00} in dispute. I was not provided with either one. More than two billing cycles have expired. 

My dispute was denied ( Exhibit B ), XX/XX/XXXX. No documents were provided. 

My reply letter ( Exhibit C ) notified them of their legal obligation under the FCBA. I  attached the dispute settlement procedures ( Exhibit D ). 

On XX/XX/XXXX, I talked to Resolution Dept. Supervisor, XXXX. She told me that the merchant did not send them any records. This meant that they had no obligation to provide me with proof of purchase or clarification.