23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid {$20000.00} to Costco Anywhere Visa Business Card by Citi-XXXX.

I had a credit limit of {$21000.00} On XX/XX/XXXX, I received a notice they lowered my credit limit to {$1500.00} This is wrong. The below is what they wrote in their letter to me. 
I sent them a letter stating that they are using fradulent data to degrade by credit limit. Recently on XX/XX/XXXX I filed a police report with XXXX XXXX Police Department Incident number XXXX regarding fraud on my credit report. I have submitted this to all the bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct the late open accounts listed on my credit file. Despite multiple communications and assurances from your company, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

The presence of late open accounts on my credit report is highly detrimental, as it inaccurately portrays my financial history and poses significant obstacles to accessing credit and financial opportunities. Despite my diligent efforts to rectify these inaccuracies, the problem persists, causing undue stress and frustration. 

I have made numerous attempts to contact your company to address this issue, providing all necessary documentation and information to support the correction of these inaccuracies. However, the lack of progress in resolving this matter is deeply concerning and reflects poorly on your company 's commitment to customer satisfaction and integrity. 

I demand immediate action to correct the late open accounts on my credit file and ensure that my credit report accurately reflects my financial history. Additionally, I request compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. 

I expect a prompt response detailing the steps you will take to rectify this matter, along with a timeline for resolution. Furthermore, I request regular updates on the progress made towards correcting these inaccuracies and restoring my credit file to its accurate state. 

Failure to address this issue promptly will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to resolve it expeditiously. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX Balance : {$5600.00}.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX XXXX  illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. XXXX of Illinois executive order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX XXXX  of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX XXXX  unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter to XXXX XXXX, My husband made a call to the XXXX XXXX  office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 
CFPB recently filed a lawsuit, XX/XX/XXXX, against XXXX, an auto loan company, for illegally activating devices that prevented borrowers from starting their cars. XXXX XXXX did the same exact thing to us 2 times during XXXX. We weren't XXXX hours late even. Yet they went against the XXXX 's order and shut our car off leaving us no way to seek medical attention during the pandemic! 

We disputed this improper debt collection and requested validation, which XXXX XXXX  failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX XXXX willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX XXXX for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized dispute via certified mail to Equifax about an account that is reporting as a result of IDENTITY THEFT and Equifax has failed to delete it within the 5 day period. Equifax is in violation of my consumer rights! XXXX XXXX XXXX illegally shared my personal information with XXXX. I have no contract with mercantile nor have I ever had any contact with XXXX  whatsoever. XXXX then initiated a inquiry on my consumer report that I did not consent to. No consent is IDENTITY THEFT. I would also like to state that I never gave Equifax my written consent to report this information. Equifax is in violation of 15 usc 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report this information. No consent is identity theft. If Equifax does not delete this account immediately I intend to file a identity theft affidavit against Equifax. If Equifax wishes to continue to do business with me they should delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided.

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/2017 by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation.

An XXXX supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX reports FICO at XXXX, and Transunion the same.

The error was for an emergency room visit In XX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4. XX/XX/17 XXXX. ( 60 days ) 5. XX/XX/17 XXXX ( 30 days ) Total : -180 This is a simple fix to a database program.
Product: Debt collection

Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XX/XX/XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. 

However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. 

Worse, when I disputed the information to XXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. 

As of XX/XX/XXXX - almost a year after payment - the account remains.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of 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

Hello, I have disputed, called and wrote /mailed all 3 credit companies XXXX XXXX Equifax XXXX XXXX XXXX the personal information that listed I have sent in proof of my identity & actually address to all 3 but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!
Product: Debt collection

Our information shows : Your Account is now owned by XXXX XXXX from ACE CASH EXPRESS with account number : XXXX This debt is past XXXX  years debt collection law in state of XXXX. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment
Product: Debt collection

This case was previously presented to CFPB in which the debt collector agreed to remove it from all credit reports. The case number is XXXX. Upon monitoring and contacting all 3 bureaus the debt collector is refusing to remove this account from my credit. Attached are all documents that were previously presented to prove that this debt is not mine. Also attached is the statement provided by the debt collector to CFPB.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax and XXXX about the unverified info being reported from XXXX XXXX XXXX XXXX, Account number XXXX and XXXX XXXX XXXX  Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Debt collection

This debt occurred from a XXXX XXXX XX/XX/XXXX. I tried working with XXXX XXXX XXXX as I am on XXXX XXXX XXXX They suggested XXXX XXXX that I did not qualify for. I explained I would try to send in payments when I could, however being on fixed income and all incoming medical bills the payments were not as quickly as they wanted. They then sent debt over to XXXX XXXX. I contacted them on XX/XX/XXXX to explain situation and ask for financial assistance and did not receive anything. Then this went to XXXX XXXX XXXX XXXX XX/XX/XXXX. We again contacted them and tried to send in {$5.00} payments when I had the available money. XXXX then sends to : Murphy Law Office in XXXX, Ohio phone number : ( XXXX ) XXXX. 

I contacted this law office, spoke with one of the attorneys, who very rudely told me I was n't paying enough. I again explained situation and told them I understand the debt am trying to pay it but do not have the funds to pay this debt in full and will have to send payments in. Murphy Law Office has  continued to call my cell phone, if calls are missed they refuse to leave msgs and when I call the office back I 'm getting a voice mail. I have left SEVERAL messages on the office voice mail to again try to work out payment arrangements. This last time I left a msg was XX/XX/XXXX because we sent a {$10.00} payment to the office. We have no form to submit with the payment. Have asked repeatedly how this should be and how applied and they refuse to contact me or have not cashed this check. The attorney or employee I spoke with was extremely rude and arrogant and threatening. There is no reason to act that way or threaten me. 

At this time I think we need a mediator as I do not have a job, have a XXXX at home and trying to provide a roof over her head. This harrassment and threatening action is uncalled for as well as unlawful collection. I would like the company and situation reviewed please.
Product: Payday loan, title loan, or personal loan

On XX/XX/2014 someone went online & received a payday loan in my name. Not sure of the amount of the loan, but I am responsible for {$380.00} on my credit report. I am in the process of purchasing a home and this shows up. I have not gotten a loan from Speedy Cash and dont think I should be held responsible. I need it remove off of my credit because it was not me. Please!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Debt collection

called Great Lakes Servicer to ask if the loan was government or private but was told that the account was handed over to XXXX which is a collection agency and explained to Great Lakes that this is no longer a government loan but a private loan and was explained to me that they are working for Great Lakes Services to collect the debt. but according to my credit report will show that the account is up to date and paid on time. XXXX  back in XX/XX/XXXX and did a back ground check on the School which is XXXX College had shut its doors due to accreditation making students pay for loans knowing that the process that they used is waste fraud and abuse knowing that the classes that were taken could not be transferred to a regular college or university. Since this school has closed its doors no student should have to pay back this loan and therefor should be permanently discharged whether the student graduated back in XX/XX/XXXX or XX/XX/XXXX. This loan should not have been handed over to a collection agency knowing good and well the account was being paid up to date as noted on the consumer credit report which will be mailed to the Consumer Protection Financial Bureau as evidence. The consumer asks that the loan be completely discharged and reported to all three Credit Reporting Agencies as such due to school disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX   6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
Product: Debt collection

I reached out to the company to dispute this collection account there was no document provided to show I own this account. Also this collection agency has not replied to any of my certified letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. 

- I did not give any written instructions to furnish an account to any consumer reporting agency.

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX XXXX # XXXX 2 ) Bank XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXXXXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) XXXX XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXXXXXX Account # XXXX 8 ) XXXX XXXX XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXXXXXX XXXX Account XXXX XXXX 11 ) XXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX  Account # XXXX 13 ) XXXX XXXXXXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX 15 ) XXXX Account # XXXX 16 ) XXXX XXXX XXXX Account # XXXX 17 ) XXXXXXXX XXXX XXXX XXXX Account # XXXX 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.