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

I dont recognize how these accounts are reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
This does not follow FCRA under 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) ,15 U.S.C.1681,15 U.S.C 1681A, 15 U.S.C 1681b, 15 U.S.C.1681i, 15 U.S.C. 1681n.

1.Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Collection 2XXXX XXXX Account number XXXX Account type Debt Buyer This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
3.XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
4.XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 U.S.C.1681 my rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Product: Mortgage

On XX/XX/2020 US bank contacted my home owners insurance company and assigned a fraudulent mortgagee claim to my property costing me a fee to remove. The loan XXXX did not close due to false information provide by USBank on my loan application, incorrect appraisal and requirements.
Product: Debt collection

The debt was sold to collection agencies. The debt was paid to XXXX and XXXX XXXX XXXX. 

The debt is still reflecting negatively as XXXX  and XXXX on my credit reports.

It is still being reflected in my collections section on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been receiving repeated calls either daily or weekly from various numbers claiming to be Central Portfolio Control. I attempted to reach out once through email, but I was not told anything further about why they are calling me. Sometimes they leave messages and sometimes they do not, but they have never identified themselves as a debt collection agency in any message they have left. Once I received a text message from a different number claiming to be them. I have received no written notification of any kind about why they would be contacting me. I do not have any debts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late XXXX time and the closed report is stating that I was late XXXX times this is not correct and hurting my credit score.i want this fixed I've reached out to them numerous times about this even when the account was open and they did nothing account # XXXX caliber home loans
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a debt from XXXX XXXX XXXX opened XX/XX/XXXX for {$20000.00} regarding a timeshare that was not authorized by me and is reporting inaccurately. I have been trying to dispute this inaccuracy for over XXXX years and have attached my letter from XX/XX/XXXX. this unathorized and inaccurate account is not reporting on my XXXX and XXXX report. It is only reporting on Equifax which is a violation of 15 USC 1681eb which states accounts are responsible for reporting maximum possible accuracy at all times. XXXX also engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report it is showing a hard inquiry from XXXX card services on XX/XX/2021 and I have no recollection of applying for a credit card through XXXX XXXX XXXX I am also disputing the fact that I also applied for another credit card through XXXX XXXX XXXX on XX/XX/2021. Both applications are false and I am submiting a copy of an identity theft report that I submitted.
Product: Credit card

I was enrolled in a credit protection program through my Macys credit card. I opened up my Macys account several years ago and last month I got a letter saying I would be enrolled in a credit protection program. If I did n't opt out, my account would be charged a percentage every year as part of the program. I called Macys customer service and asked how I was enrolled in this service. The woman first said that I signed up for credit protection when I got my Macys card. I told her that I 've had my Macys card for several years and only received notice last month that I was enrolled in credit protection. She then said that this service was added to all accounts, letters were sent out informing customers and if they did n't opt out then they would be enrolled in the program. That if someone did n't receive the letter or it was lost, they would have no way of knowing they were enrolled until charges started showing up. I told that I think this is illegal and would be reporting it to this Bureau.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I spoke with a Bank of America manager who was handling a credit card late fee escalation on my account. I had previously been told that a {$38.00} late fee on my Bank of America credit card would be waived. After multiple escalations, the manager told me it in fact was not going to be waived and I needed to pay. On that same call I decided to go ahead and pay the {$38.00}, funded by my Bank of America checking account. The manager read me the disclosure and asked me to confirm I was authorizing the {$38.00} payment from my checking account. I agreed. The next morning ( Friday, XX/XX/XXXX ) I logged into my account and found that my account was not charged {$38000.00} instead of {$38.00}. My checking account was overdraft by over {$35000.00}, leaving me with no access to any of my money. Out of all days for this to happen, it was a day I had taken off from work to take my daughter on a tour of a sleep away camp. The camp was offering an early discount if paid that day, however my daughter wanted to see and experience the camp first-hand prior to submitting the deposit. Since I had no money for fuel, I could not make the trip, devastating my daughter. In addition, I had no money available that Friday to go to a supermarket for food or formula for my XXXX month old XXXX son. Bank of America told me it would take 3 days to process the refund ( the following Monday ) which was unacceptable. After over 3 hours of  phone escalations, Bank of America informed me I would receive the credit by XXXX Friday ( same day ). In the early afternoon I was then informed the credit wouldn't be issued until XXXX. I then received a call that I would need to wait till midnight to have access to my money again. To add insult to injury, the credit was issued by Bank of America by placing a stop payment on the check that was issued to the credit card. A stop payment fee was then placed on my account ( additional {$30.00} ) which I needed to call and have refunded today ( Monday, XX/XX/XXXX ). I am ready to move my business elsewhere after having been a loyal Bank of America customer since 1995 ( 23 years! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act .... 
The US District Court Case # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX  Account # XXXX Has violated my rights.

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

15 U.S.C. 1681 Section 604a Section 2 States : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern, I hope this message finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( see attached Confirmation of Authorization ). This letter is to inform you that the XXXX XXXX XXXX has verified and determined XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX, as defined under 22 U.S.C. 7102 ( 12 ) in accordance with the qualifications for blocking adverse credit information according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXX XXXX is an organization dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX, including debt bondage. Our mission involves supporting and advocating for victims of XXXX XXXX, a severe violation of human rights and a modern-day form of XXXX. We aim to provide assistance to these individuals and work with various stakeholders to raise awareness and address this critical issue. In our work, we have come across a case where an individual 's credit report shows an outstanding debt, which we strongly believe is linked to debt bondage. The nature of this debt raises significant ethical and legal concerns, as it may involve coercive or fraudulent practices, resulting in an unfair financial burden on the individual. 

We request your assistance in blocking and deleting any accounts negatively impacting her credit profile. Thank you for your consideration. We look forward to collaborating with you on this important matter. Please feel free to contact me at any time. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I initially in writing to Chase Bank in late XXXX about a charge that was unauthorized on XXXX from XXXX in the amount of {$790.00} after many letters and complaints they still did not do anything yet in XXXX they closed my original account and reissued a new account and sent me a letter indicating they moved this charge to fraud and it would be immediately credited however they have failed to do that and almost 8 months later it is still on my statement and I'm getting charged interest. Even after this I still use my card and PAY for my charges and have never been late however I will not pay for a charge I didn't make and refuse and Chase refuses to do anything even after many attempts and letters they write stating so. I feel this is last step before I begin a case in XXXX XXXX XXXX XXXX against them
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in regards to the recent Equifax security breach and the way they are handling it by pushing those affected to sign up for their paid service TrustedID Premier. Their official response has been extremely disgraceful and crooked. 

I refer to two articles that highlight some of the corruption behind their response : XXXX XXXX article - " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Link : XXXX : XXXX Article 2 : XXXX - `` XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Link : XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My account with total Visa as of today XX/XX/XXXX is current. However, on my XXXX credit report it shows that I am delinquent and that I owe an amount of {$550.00}. This was an amount owed and reported back in XX/XX/2025. I paid this balance down at the end of XXXX. XXXX balance was reported current and in XXXX I owed {$330.00}. The credit bureau states from XX/XX/XXXX to XX/XX/XXXX, My balance increased {$230.00} from XXXX to XXXX the credit bureau and or total visa reported XXXX balance instead of XXXX balance. I have repeatedly called both companies and total visa is requiring me to put my dispute in writing even though they see that my current balance is {$130.00}. XXXX states that they are only reporting what is given to them from the credit card company. Neither company is taking responsibility for this error of reporting backwards. Meanwhile, my XXXX XXXX has dropped XXXX points due to the error. My account is showing delinquent and went from current to XXXX days late due to this error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report from your bureau. Specifically, I am disputing the details regarding XXXX XXXX XXXXXXXX XXXX XXXX listed as a charge-off on my credit report. 

Inaccuracies and FCRA Violations : 1. Inconsistent Date of Last Activity : The date of last activity for this account is inconsistently reported across sections of the credit report. One section lists the last activity as XX/XX/year>, while another lists it as XX/XX/year>. This violates the FCRAs requirement for accuracy in credit reporting. 
2. Unreported or Incomplete Payment History : My report indicates No data available for payment history on this account, which is inaccurate. This account had prior payments before it was charged off, and those should be reflected in the payment history. Reporting incomplete information violates my rights under the FCRA to have accurate and complete information.

3. Discrepancies in High Balance : The high balance of the account is reported inconsistently. In some sections of the report, the high balance is shown as {$10000.00}, while in others, it is either not specified or appears incorrectly. This inconsistency again violates the FCRAs standards for accurate reporting.

4. Outdated Dispute Remark : There is a notation of Consumer Disputes Reinvestigation in Progress. If the reinvestigation is complete, this remark should be removed. Leaving it on the report unnecessarily could unfairly impact my credit standing.

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Please conduct a thorough investigation of this matter. I request the following : The removal or correction of the date of last activity to ensure consistency across all sections.

An update to reflect the correct payment history prior to the charge-off.

The correction of the high balance amount to consistently show {$10000.00} or the accurate amount across all reports.

Removal of the outdated dispute remark if the reinvestigation is complete.

Please conduct this investigation and provide me with a written confirmation of your findings and any updates made to my credit report. Should this account not be verifiable or if these inaccuracies are not corrected, I request the removal of XXXX XXXX XXXX charge-off from my credit report as required by law. 

I have enclosed a copy of my credit report, highlighting the relevant information, along with any supporting documents for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the FCRA.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 at approximately XXXX I contacted oportun in order to bring my past due loan current. A divorce that slid into larger financial issues with the commencement of a national pandemic emergency caused me to financially lose my footing. The first representative I spoke to informed me that my loan was charged off 4 days prior. For context my last payment was about 90 days prior at the end of XXXX. The concerning part was that this representative refused to tell me information such as the balance at charge off or how much I fell behind. He violated my financial rights by refusing to provide information crucial to the process to pay this debt. He misrepresented material facts about the collections process. At one point he claimed I missed 13 payments which would have meant I havent paid in a year. I asked if oportun could work with me, but he told me that they dont do that. I asked again since I know the XXXX has asked lenders to work with customers in this extraordinary time. I escalated my concern to XXXX a supervisor for oportun at about XXXX. The supervisor was unable to provide any assistance. I think oportun should act in good faith and work with consumers like regulators within the industry have asked and not act in a predatory manner. I just want to bring my loan current, but can not pay off the note. I can make a payment anytime they can work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being Dovenmuehle Mortgage. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. Dovenmuehle is now continuing to report this information as current, XXXX  continues to suppress and block this correct information.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section

1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a
consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

trying to get inaccurate inquiries off credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my Experian report but XXXX failed to perform an investigation and delete the disputed information. I never had a contract with this debt collector for any debt. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. I have reason to believe that the aforementioned collection account may be erroneous or incorrectly reported. I have no recollection or knowledge of any outstanding debt owed to the mentioned creditor. Therefore, I kindly request that you provide me with the following information to validate the debt : XXXX. Full documentation and details of the alleged debt, including the original creditor, the amount owed, and a complete account history. XXXX. Proof of the creditor 's legal authority to collect the debt, such as a copy of the signed agreement or contract. XXXX. Verification of the accuracy and completeness of the account information, including the dates of delinquency and the last activity on the account. I understand that under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt claimed by a collection agency. Until such validation is provided, I request that you place the collection account in dispute and refrain from reporting it on my credit file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section XXXX ( b ) of XXXX XXXX. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Sincerely, XXXX XXXX