23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my XXXX credit report and identified an account reported by Will Rush ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with account number ending in XXXX. This account is listed as a collection account with a balance of {$7300.00} and a high credit limit of {$3700.00}. 

I do not recognize this account, and upon further review, I identified several inconsistencies and errors that raise concerns about the accuracy and validity of this reporting. 

Key Issues Identified : Balance Discrepancy The reported balance ( {$7300.00} ) exceeds the high credit limit ( {$3700.00} ), which suggests errors, unverified fees, or penalties that have not been properly documented or disclosed. 

Missing Payment History The account lacks payment history details and date of last payment, preventing verification of whether the debt is valid or time-barred based on the statute of limitations. 

Ownership and Chain of Custody It is unclear whether this debt is still owned by XXXX XXXX XXXX XXXX XXXX or if it has been sold to a third-party debt buyer ( Will Rush ). The company has not provided proof of ownership or documentation validating the debt. 

No Loan Terms Listed The report does not disclose any loan terms, repayment schedules, or interest rates, which further raises questions about whether this debt has been modified, settled, or inaccurately reported. 

Actions Taken : On XXXX XXXX XXXX, I submitted a formal dispute letter to XXXX  and

Will Rush requesting : Validation of the debt, including copies of the original loan agreement, payment history, and proof of ownership.

Correction or removal of the account if the information can not be verified as accurate.

I have yet to receive a response or acknowledgment from either party.

Resolution Requested : I request that the Consumer Financial Protection Bureau ( CFPB ) review this case and require the company to provide proof that : The account is valid and accurate. 
The balance and fees are legally justified. 
They have the legal authority to collect on this account. 
If the company can not validate the debt or correct the errors, I request that the account be deleted from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

cause you guys are the reason why I have Identity death and fraud in my credit, I have wrong Eviction information on my credit report, for years I been suffering with wrong Information you guys put on my report, I can't buy a house, I can't rent no place, homeless all cause of wrong report, I can't even buy a car, from XXXX to XXXX 4 years off suffering thank you.
Product: Credit reporting or other personal consumer reports

Dear Experian I have noticed inaccurate information on my credit report, Experian is supposed to ensure MAXIMUM ACCURACY. This account violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete this Account this account shows different last dates of activity attached for XXXX XX/XX/XXXX and Experian XX/XX/XXXX violates FCRA. 
XXXX XXXX XXXX XXXX XXXX Asking for full verification on this account following guidelines set forth by FCRA. Remove this account immediatley. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I signed up for credit karma it stated I could get approved for credit cards but all along I didnt get approved and it went on my report
Product: Payday loan, title loan, or personal loan

Higher interest rates than any loan, paid {$1100.00} in interest for a {$300.00} loan. Took {$88.00} from my account every other week from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00}, XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments on student loan accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on Student Loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My credit history is missing lots of accounts therefore therefore my credit report keeps saying my file is very thin and I like prior credit history So I'm asking 5th/3rd bank to report all documents regarding account number XXXX so I can reclaim my account history to all three credit bureaus XXXX XXXX and XXXX
Product: Payday loan, title loan, or personal loan

Please refer to complaint number XXXX. On XX/XX/23 I sent Regional finance another letter requesting proof of the alleged debt. I have not received any proof. I have received information from the corporation through the CFPB in which they provided a copy of a contract that proves I participated in a consumer credit transaction that somehow turned into a loan. The corporation stated that they can not provide me with any account history but yet the law says otherwise. Federal Law. The corporation continues to furnish my financial information without my permission and it still has not provided any proof that I gave them my permission to do so. Attached are several documents showing proof. Regional finance is in violation of the TILA, FDCPA, FCRA, and GLBA.
Product: Debt collection

I was contacted on XX/XX/2018 By a company that said they were collecting on behalf of XXXX XXXX. I once had an account with XXXX and it had been paid off. Come to find out after looking at XXXX XXXX I owe them {$81.00}. 

This woman XXXX from Critical Resolutions Mediation or XXXX XXXX XXXX as per my bank statement ... she started rattling off my personal information. All the address I have ever lived at, my social security number, my date of birth, my drivers license number. They said they were in the process of suspending my license with the DMV and going to press felony charges against me and also garnish my wages by XXXX XXXX  because of this debt I owed to XXXX. I supposedly owed them {$1600.00} but they would settle for {$800.00} to keep me out of jail. I never had a call like this and believed them because they new all my personal info. Said if I wanted to see my kids again, that I would settle this up before I hung up the phone or they would process all this paperwork. 

After falling for this SCAM, I googled the company XXXX XXXX XXXX out of XXXX GA, and also Critical Resolution Mediation in XXXX NC, and both companies came up as a scam. I didn't know that debt collectors couldn't threaten you, I have never had a debt. I didn't even know this was on my credit until I checked this morning. 
When I checked my credit report XXXX did show up with {$81.00} and the debit collector was XXXX XXXX XXXX out of XXXX KS. Not these con artists ... 

Anyways they took my credit card info and said I had to make 3 payments to pay off the {$800.00}. They took the first payment already and I tried to get my bank to stop it and they can't. 
Please don't fall for this scam as I did. Now I'm out {$270.00} and I hope they find the horrible people that rip people off. 
These are the names, email address, and phone numbers that harassed me. They even called my children on their cell phones at school and told them I was going to go to jail if I didn't call them. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX is who initially called me XXXX The lawyer that threatened me and my kids XXXX XXXX XXXX ext XXXX The name listed on the receipt of my payment- XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Long story making sure I Filed a fraud dispute on my synchrony bank XXXX credit card There was XXXX they were from XXXX eats first of all I wasnt even notified by my credit card company that my account was being charged most credit cards give you a heads up of some type of transaction history visa XXXX  credit card synchrony bank Fail to let me know that there was transactions on my card.. but I found my dispute I received a letter from synchrony bank telling me that my claim was refunded and I should receive the refund within 5 to 10 days I also received an email from XXXX eats letting me know that they were going to refund me the money as well XXXX Visa did refund me but then they took the money back And I have never received a refund from XXXX eats like they told me but they have my old card on file which is now canceled I have screenshots and emails from both parties agree to give me the money back and they never did
Product: Debt collection

In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX  XXXX/XXXX. Each yr. when visiting he office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to another collection agency in XX/XX/XXXX I contacted XXXX, explained the situation, and completed a complaint form. I advised XXXX that XXXX XXXX ' office never stated that they did not participate in XXXX as indicated on my ID card. XXXX XXXX ' office has submitted my information to 2 different collection agencies for 2 different amounts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit card

I have the BestBuy credit card managed by Citi. I have had the card for almost 10 years now. I have never not paid the full amount every month. I used to pay it off every week, but they changed their stance several years ago so that 4 payments in a month was considered fraud and kept locking my account. Now I am being told that paying off the credit card every month for what I owe $ XXXX+ is also considered fraud and they have locked my account to prevent further fraud. I 'm told that I will not be allowed access to use my card for 8 days to protect me from the fraud I committed by paying my balance in full every month from the same account every month with realatively the same amount every month. In this instance I made a payment on XX/XX/XXXX, according to my bank Citigroup received payment on XX/XX/XXXX. I have called on XX/XX/XXXX & XXXX and they confirm that they do have the payment, but because I paid the full amount that I owed, from the same bank account I 've used for years, they have locked my account for 8 days as fraud precaution. I was out of town on a trip during this time frame and being locked out of my card without reason is extremely inconvenient. I 'm told that I should be happy that I am receiving this protection because somehow it protects me. I believe Citi is purposely restricting me because they only make money off my transactions and not from interest charges to me, which I believe is unfair.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans. I requested this information to be corrected XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

on XXXX I called XXXX about them posting a XXXX day late payment on my consumer report. They hung up on me. Later that month I wrote them to investigate my claim per 15 USC1666b timing of payments for proof in writing of late payment. they did not provide that. As per 15USC1681sec604 ( A ) I did not give them permission to report a late payment. I request that you the CFPB contact XXXX financial to remove the negative remark from my consumer report. 

Please & thank you XXXX XXXX XXXX. the late payment that XXXX refuses to remove is on XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports with Transunion, XXXX, and XXXX and found erroneous and inaccurate information on my credit report after previously informing these credit reporting agencies of the erroneous and inaccurate information. There are multiple names on my credit reports and I have only XXXX. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be XXXX address on my credit reports, which is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ; all other addresses are erroneous. There is an account listed on my XXXX report as XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, which is erroneous and must be deleted immediately. There is an account listed on Transunion as XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, which is erroneous and must be deleted immediately. There is an account listed on XXXX as XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX, which is erroneous and must be deleted immediately. There is an account listed on Transunion, XXXX, and XXXX as XXXX XXXX XXXX # XXXX, which is listed as a charge-off, The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. Delete this account immediately. There is an Inquiry from XXXX XXXX XX/XX/year> that appears on XXXX that I did not authorize. There was no permissible purpose and this inquiry must be deleted immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

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

I've recently received a copy of my credit report and noticed several discrepancies and unauthorized accounts/information reporting to my credit report. These remarks has been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I try to get my free credit report on XXXX XXXX XXXX I have no problem with XXXX  and XXXX, but Experian says there is some error preventing them from letting me see my report. This has happened to me before. It is only Experian that I have this problem with. If it is federal law to provide me with a credit report from that website, then Experian is VIOLATING FEDERAL LAW by giving some random excuse as to why I can not get access to my own information. 

It seems that the company wants people to go directly to their website and sign an agreement to view my credit report that might be shady in nature. Why can't I simply get my own information from the proper channel? Why do they try to get me to use their website and sign an agreement with legal terms that I shouldn't have to even consider, just to see my information? It seems that Experian uses tactics that mimic the frauds that are ruining peoples credit and pushing them to a website to 'give away ' their information.
Product: Credit card or prepaid card

Citi Bank 's Sears credit card has breached contract. 
I accepted an promotional offer from Sears Card which offers 10 times ThankYou points for spending on grocery, restaurant and gas station for each month over {$1500.00}. Sears also offers 5 times ThankYou points for online shopping. 

I could have used other credit cards which offer rewards/rebate from 3 % to 5 % cash for spending in various categories such restaurant, gas, grocery and online shopping. 

I started to use Sears Credit card instead of other credit cards for food, restaurant, gas and online shopping. 

When Sears Card made the promotional offer which I accepted, my credit limit with Sears Credit card was {$3000.00}. The promotion offer covers spending on its card from XX/XX/XXXX, to XX/XX/2020. So, I have used Sears Card in last several months and I have earned ThankYou points. I made full payment every month, in particular, during the month of XX/XX/2020, I paid twice the amount of statement balance since I forgot the payment was scheduled, so I paid twice. 

Several days ago, while, my Sears credit balance was negative due to double payment, Sears Card/ Citi bank unilaterally reduced my credit limit from {$3000.00} to {$250.00} which limits my spending on this credit card. The reason given of the sudden change of my credit limit is due to an untrue delinquency report on my credit report. 

The consequence of not be able to use Sears card is that I can't earn XXXX  thankyou points. I have spent over {$1000.00} on Sears credit but would be short of {$1500.00}, I won't be able to earn XXXX  points which equates {$150.00}. I could have used other credit cards to pay for these spending and I could earn over {$100.00} cash rewards with other credit cards. 

Citi bank breached contract with me, as simple as that. 

Citi has two options to cure the breach of contract. First, restore my credit limit so that I can use Sears card to fulfill my spending commitment, then to earn my points ; or Citi awards me XXXX  points, I don't need to use Sears credit card. The only reason I use it is that it offers Thankyou points. 

I would lose reward ThankYou points worth of {$150.00} since Sears breached contract to reduce my credit limit. I could have earned cash reward with other credit card if I hadn't used Sears Credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am making a dispute against XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX  to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.