23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Our XXXX statement on our Comenity AAA Visa was {$780.00}. We always pay our credit card bills promptly to avoid charges. On our XXXX statement we noticed we had {$13.00} in interest charges. They cashed my check for {$780.00}. I have written in my register that I made it for the {$780.00}, but they do not make copies or send copies of the check they cashed back to the bank like most others do so I cant say one way or the other. We called to contest the charges, after all it was excessive for XXXX cents an we always pay in full. They credited us the XXXX on XX/XX/year>, but then on our XXXX statement they charged us interest again of {$46.00}. We called in to contest again. They had after all credited us and we assumed it was taken care of, but after calling back they again charged XXXX interest on everything purchased during the month that they say the XXXX cents was outstanding coming to XXXX. They refuse to give us a copy of the check which could be used to show the proper amount submitted. They also refuse to give us a copy of the phone calls we made that we are notified upon calling that everything is being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Debt collection

I was offered a settlement with XXXX who uses GLOBAL CREDIT COLLECTION CORP. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax report XXXX XXXX XXXX hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/XXXX  and Ive been trying to fix this problem for 4 months now and its hindering my credit score.
Product: Debt collection

Never received any information from XXXXXXXX XXXX last XXXX of account XXXX. Began receiving notices from XXXX XXXX. Refused to provide information from original creditor XXXXXXXX XXXX XXXX. Began receiving letters from London & London XXXX. Numerous phone calls. Repeated requests for information from original creditor XXXXXXXX XXXX Repeated requests to stop calling. Explained that I am XXXX. Told me that my credit would be damaged, they would contact my employer ( I have no employer ) told me they would sue me and garnish my Social Security XXXX and contact my landlord and inform them of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$310.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX XXXX XXXX. I CALLED THE COMPANY IN XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$310.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$310.00} FROM MY DEBIT CARD.THE PAYMENT WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO DELETE FROM MY CREDIT REPORT AS AGREED ON RECORDING FOR THE SETTLEMENT AMOUNT. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE THREE MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, BECAUSE THE AGREEMENT WAS AS LONG AS I PAID THE SETTLEMENT AMOUNT THE COMPANY WOULD REMOVE IT FROM MY CREDIT REPORT. I WAS TOLD THEY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ONXX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ONXX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING IN XX/XX/XXXX MAKING THE FULL SETTLEMENT AMOUNT AS AGREEED. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CAN NOT GET A FEDERAL JOB TO SUPPORT MY FAMILY AND TO PURCHASE A HOME. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY WOULD REMOVE THE PAID ACCOUNT. I HAVE ASKED FOR A COPY OF THIS LETTER THEY RECEIVED FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED WITH IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE REACHED OUT TO ME AFTER TAKING MY PAYMENT AND AGREEING TO REMOVE THE ACCOUNT AFTER THE PAYMENT CLEARED AFTER REIVING A LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, XXXX XXXX, with D.O.B XXXX XXXX, : 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. This fraudulent, inaccurate, and false information consists of a personal credit cards and accounts opened 1 ) XXXX XXXX on XX/XX/year> under the account number ( XXXX ) which this was an account that was bought from XXXX in which I DID NOT apply for. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( 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.
Product: Payday loan, title loan, personal loan, or advance loan

I am not a victim of this offer. I only write to CFPB because I don't want Seniors or others to fall victim to these types of Offers. Lendmark Financial Services sends checks to vulnerable people in hopes they will take the bait. The document does not describe rates, interest or what can happen if you accept their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( XXXX Creditor : XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.
Product: Debt collection

Southwest Credit Systems continued to harass me on the phone about fraudulent debt. They said they were debt collecting on behalf of XXXX, my cable/Internet provider in the amount of {$880.00}. The date placed for collection was XX/XX/2019. 
I contacted XXXX, who confirmed my account was and has always been up-to-date and paid in full. They have zero documentation of sending any past due amount to a collection agency. My cable/Internet has also never been cancelled due to non-payment. 
I sent a dispute of this claim to XXXX, which was fully processed on XX/XX/2019. They indicated that it was " Verified as Accurate '' and suggested I contact you to further investigate this fraudulent claim. 
It should be noted that this debt collector, Southwest Credit Systems, was relentless, calling me from several different numbers. I asked them for proof of the debt from the original payee, which they could not provide. They also demanded I give them my personal information before they told me what the claim/phone call was about, which to me seemed very suspect. I've also looked online, and have seen many others have had the exact same issue of fraudulent claims from Southwest Credit Systems collecting " on behalf of XXXX. '' I believe they are a scam but somehow operating as if they are legitimate debt collectors. Finally, it should be noted that my credit is excellent, and I have no reports of any accounts going into collection, or of any late payments.
Product: Credit card

Citybank decreased my credit limit on all my credit cards, which seems like abuse to me, a bank has never lowered my credit limit, I have never been late on payments, I have never overdrawn, I don't understand why. They change my credit limit on my three cards.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXXXXXX first progress card, Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXXXXXX XXXX XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXXXXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( XXXX ) it states that this ( XXXX ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 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. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i XXXX XXXX ) ( A ) ( i ) & ( ii ), and 15 USC 1681e 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

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis has cause me great XXXX  stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are loans from XXXX XXXX XXXX servicing center, and XXXX XXXX on experian, XXXX and XXXX. These loan are not mine and i have reach out to them. XXXX XXXX does not have much information on the loan and are unable to tell me much about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report. I dont owe XXXX XXXX XXXX . Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care