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

On XX/XX/XXXX I received a notification that my credit score went down by two points. Upon my investigation I noticed a reason for the decline in score was because a balance on one of my installment loans increased by three dollars. I proceeded to contact the finance company to inquire what was the reason for the increase. The finance company had no knowledge of a three dollar increase and stated the balance the credit bureau was reporting was not accurate. 
I filed a dispute with Trans Union credit bureau. The reason for dispute was in accurate balance. I gave a brief description as to why I was disputing the balance. 
On XX/XX/XXXX I received another notification stating that this dispute had been satisfied after reviewing the results I noticed that my credit score was now lowered by three points. 
When I seen what was the factor for lowering my credit score it was because they deleted and removed the disputed account from my file. I am immediately contacted Trans Union and spoke to a customer service representative by the name of XXXX. 
XXXX informed me that the report was removed at the request of the creditor. 
I then spoke to a supervisor by the name of XXXX from Trans Union who stated that they removed the account from my file because it was being disputed. I then asked him to please inform me where on the Trans Union website is there a legal disclaimer stating that they have the authority to delete or remove a active account from a consumer file. He stated there is no such disclaimer and they removed it because I disputed it. I proceeded to inform him that my dispute was not to remove the account but it was for them to reach out to the creditor to get a accurate balance. I asked him to provide me with verification of proof that the creditor authorized him to remove my account from my file he stated there was no verification that he could provide me with. I went on to explain to him that they could not just remove a file without any authorization. I proceeded to inform Trans Union that I would be filing a complaint with the fair credit Act, And I will also be seeking an attorney. 
After my conversation with Trans Union I spoke to the creditor, XXXX XXXX XXXX. I spoke with XXXX the branch manager. I informed him of the situation and what occurred with my report and Trans Union. 
Per XXXX they can not reinstate my account with Trans Union. He directed me to file another dispute with Trans Union informing them that my XXXX XXXX XXXX account was not being reported with their bureau. 

After I completed my conversation with the finance company I proceeded to contact the fair credit act too log an official complaint. 
I would like to add an addition to this, Trans Union has consistently provided inaccurate balances on my accounts that are being reported with their bureau. 

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

I am writing to dispute several incorrect account information that Experian Credit Reporting has on my credit report that is causing negative impacts to my credit. I have sent them a letter requesting that they correct the information and they have not responded, neither have they made the correction. 
All XXXX accounts listed on my credit report have a {$0.00} balance and they continue to list them with {$270.00}, {$180.00} and {$78.00}. 
XXXX Account also has a {$0.00} balance, and they list it as a {$130.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC Identity Theft Report on XX/XX/XXXX stating that there is a bankruptcy on my file that I do not recognize and am not sure it is mine. The FTC Report number is XXXX. I faxed a copy of this report to XXXX, XXXX, and EquiFax. I invoked FCRA 605B ( 15 U.S.C. 1681c-2 ) with XXXX, XXXX, and Equifax Both XXXX and XXXX removed the bankruptcy from my credit report with the time required by this statue.

I contacted Equifax on XX/XX/XXXX to find out the status of my dispute. The female representative when on to say, Even though its an identity theft claim, a 30 day re-investigation process is required. '' I requested to speak to a Supervisor, and I asked him about the status of my dispute. Supervisor XXXX repeated the same statement the female representative told me. I mentioned FCRA 605B ( 15 U.S.C. 1681c-2 ) and informed Supervisor XXXX  they had 4 days to remove this from my credit file. Again, he stated they have 30 days to verify the claim. I informed supervisor XXXX   that FCRA 605B ( 15 U.S.C. 1681c-2 ) superceds the 30 day dispute timeframe.

As of the writing of this letter on XX/XX/XXXX Equifax has still not removed the bankruptcy from my credit file. Their delay is impacting my real estate business from securing a loan to run my business.

How can Equifax violate US Federal law and do what they want when the statue is very clear as to what they must do to comply with the law.

I also sent Equifax an Intent to sue letter for failure to comply with FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is a fraudulent company first of all. They closed my account after I was late a couple of days and would not allow access to my credit limit, when I called and spoke to a XXXX  XXXX rep, however they continued to charge late fees month after month when the account was closed. XXXX XXXX sold the account to XXXX XXXX, whom i settled with and paid the account off. XXXX account was removed, but XXXX XXXX is still on my report with all the fraudulent late payments. This company preys on people that are rebuilding their credit. They never tried to reach out or help me. They just simply closed my account after I was late a couple of days and continue to charge late fees and negative payments even when the representative continued to say my account was closed.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with National Credit Adjusters. They did not provide me with the original contract as I requested therefore violating my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I suggest that Synchrony Bank absolutely knows what they are doing and should be reprimanded and fined. I had 2 cards, one with XXXX and another with XXXX through Synchrony. In both cases I was signed up for e-billing. The balances were low and the month they were due I researched my files and I had never received an e-bill. Both accounts were then charged large fees and interest. 

I went back to my last XXXX bill and found that Synchrony had applied a fee of {$14.00} on a bill of {$13.00}. The same situation occurred where no e-bill was sent. I paid the bill without recognizing the fee. The most recent bills are as follows ... .... 

1 ) XXXX {$330.00} purchased + Fees {$25.00} + interest {$7.00} no bill received the first month it was due, only the second month with the fees and interest added. 

2 ) XXXX {$71.00} purchased + Fees {$29.00} no bill received the first month it was due, only the second month with the fee added. 

Now XXXX has just issued new cards through XXXX. Do they know something? Has this been reported before? I believe this is a practice for profits from Synchrony Bank. 

I have been issued credit for both 1 & 2 above. There were no questions and they immediately resolved the issue ( 2 different phone numbers ) when I told them this was a scam. 
Maybe they have trained their personnel about the process?
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 items of information, other than record 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 have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a XXXX # therefore, I can not get it online. All three bureau continue saying it will take 7 business days for credit report to arrive in the mail. It's been a few months and nothing has come in from TranUnion and XXXX. I did get credit report from XXXX. I submitted copy of XXXX # along with XXXX XXXX XXXX and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. TransUnion stated over the phone that my credit report comes up on their system under a social security # and the number that TransUnion has is not my XXXX # ( I do not have a social ) and that I need to send in documents proving that information transUnion is reporting is inaccurate. COPY of XXXX # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/ I would like to get an updated report from XXXX too.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that's now a collection account. These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

The XXXX Ultimate Rewards card is a scam. I keep receiving fees on a credit card that I have already paid off. I have to login into the comenity website to find my statements and by the time I do that, my bill is late, the interest rate is straight up robbery. They don't even email you your bill in time, you have to go look for it if you signed up for " paperless statements ''. When the associate at XXXX told me about their card, I was promised monthly gifts every time I used the CC. The last few months I went in to XXXX to pick up something small, I asked XXXX of their associates about it and the girl behind the counter was like, " sorry, we don't have anything ''. You don't get any gifts or rewards they promise. This company needs to be under investigation. EVER EVER EVER sign up for this horrible credit card.
Product: Credit reporting

Transunion continues to report 1 inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Transunion to small claims court for unspecified damages because they are inaccurately reporting on my credit report.
Product: Debt collection

I contacted them on XX/XX/2020. 
About a debt on my credit report. First they read me my rights but never varied my information beyond my name. And started providing my personal information to me. My personal information. Its great to know that anyone who has my name came gain access to my person information with the company. That was one the first. Then the lady I spoke with. Mocked me. Raised her voice to me. And hung up on me when I told her I'd be filing a complaint.
Product: Checking or savings account

I open a citzens bank account in XXXX with a sign up bonus. Deposit direct deposit adding up to {$500.00} dollars in 60 days and {$100.00} bonus in debit card transaction which I did. My bonus suppose to hit XXXX. XXXX nothing. I called and they check everything out and said you met the requirements and give it until the end of day for my bonus if not call tomorrow. So nothing I called asked for supervisor and he tells me it suppose to be single deposit of {$500.00} I said no it said totaling, maybe your new offer said single deposit. I told him you guys are misleading people, and I'm gon na file a complaint and will be closing my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services, has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collection company ( Cavalry SPV I LLC ), sent unidentified individuals to my address on XX/XX/2022 and told my landlord about my debt and that they are going to arrest me on this date. My private debt matter has become public knowledge. 

When I requested any information to prove any account with Calvalry SPV I LLC the company sent to me documents in a unmarked envelope that did not prove any debt or account with them. Cavalry SPV I LLC, has been by my home several times over the course of a year, which lead me to believe their agents are watching me. The landlord had her XXXX  in the front of the house playing, while these unidentified men come looking around for me, the child is XXXX years old she now believes that I may be a bad person, because these men are looking for me. 

The agents told my landlord that they are going to sue me and that XXXX be taken to jail, over a debt they have no proof I owe to them at all. Its causing my landlady to be under the impression that I have committed serious crimes that I may be involved in a more serious matter aside from debt. 

These agents have come to the house many times, unidentified and threatening to put me in jail and to sue me. My landlord is not feeling safe to go and come as she pleases, which causes my living situation to be fragile, because theres no trust any longer. The landlord now knows about my private debt, because of the conduct of these vicious agents who keep coming by my house and telling her. They try to coax her into feeling unsafe, and she does. These men, who continue to show up and threaten to take me to jail and sue me makes my landlord uncomfortable. My debt has become public knowledge because of their conduct.
Product: Credit reporting or other personal consumer reports

XX/XX/year> My personal information was exposed in a data breach ( NPD ). 

15 USC 1681 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ).
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a Form 1099-C ( Cancellation of Debt ) as required by federal tax law.

According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form 1099-C to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section 6050P of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form 1099-C issued by the Creditor for the debt in question.

2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form 1099-C.

3. Confirm whether the issuance of the Form 1099-C was executed in accordance with the IRS regulations , as required by law.

I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt.

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form 1099-C was not compliant with the IRS regulations.

Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws.

I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ).

Sincerely,
Product: Credit card or prepaid card

I had credit card with CITIBANK NA which was the original creditor. The account was closed/charge off and now XXXX XXXX A. has purchased the account, this company now is claiming the account, they harassing me when they call. The worst part is I have CITIBANK and XXXX XXXX both in my credit report. This is a tremendous abuse to the people.