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

I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.
Product: Debt collection

This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was transferred again and I got a notice that with the transfer I had 60 days where I would not be penalized for late payment, or be reported to credit agency. Well I took this as an opportunity to refinance because the previous loan servicer ( XXXX ) had messed up my escrow ( they had doubled it and when called I was told I just did n't understand ) and with lower interest rates I thought the timing was good as well. I was with in 60 days when a credit agency called me and Loan Care on three way and that is when a Loan Care money collection agent ( which phone call was recorded ) reported that I was late on my payment and no payment had been made. I told her that what she did was a violation of my rights and she became rude and asks to get off of the phone. I feel that Loan Care violated laws to protect the consumer, and tried to bully me so that I would have to stay with them or refinance with them. I am tired of large mortgage companies disregarding the laws, rules, and regulations which are there to protect the common consumer and feel that something needs to be done to get Loan Care to realize that there are repercussions from breaking these rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request to verify inaccurate data and no response from company on XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES
Product: Credit card or prepaid card

The XXXX interest rate promotion is deceptive. By using the cash advance promotion, you would think the cash advance balance would be separated from your other credit card transactions. The expectation would be receiving no interest charges on the cash advance balance, and any new purchases if you pay off the purchases in time. However, in contrary to this, I still got charged a fee after I followed their FAQ by paying off my purchases balance and a little bit more for the promotional balance. My experience is worsen by the fact that the agents I talked to could not explain how the " Balance Subject to Interest Rate '' was calculated. It took me multiple tries to even get my answer.

Not to mention, the wording of the aforementioned FAQ. 

" If you make purchases while carrying a standard or promotional rate XXXX XXXX XXXX XXXX, you'll immediately incur interest on those purchases, unless you have a 0 % rate on Purchases or you pay off the entire account balance each month. '' This can be easily be interpreted as paying off the purchases balance only in this context. There is nowhere in the FAQ where it says how you can avoid such fees if you did make purchases, or how to avoid the same fee next month. This is clearly another case of a predatory bank being confusing to trick common customers and get their money.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost frustration and concern regarding the multiple attempts I have made to rectify fraudulent items on my credit file with Credit Bureaus. Despite my continuous efforts to remove these fraudulent entries, they persist, and they are severely impacting my financial standing. 

Over the past several months, I have made numerous attempts to dispute and remove these fraudulent items from my credit file. These fraudulent entries are not only inaccurate but are also damaging my credit score and my ability to secure financial opportunities. Despite providing the requisite documentation, I have received several responses from your bureau indicating that these fraudulent items remain on my credit file. 

I can not stress enough that these fraudulent items are indeed inaccurate and are not associated with my financial history. I have attached the necessary documentation supporting my claim. It is imperative that these discrepancies are resolved immediately to prevent further harm to my financial well-being. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau concerning my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit file. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$26000.00}
Product: Checking or savings account

On XX/XX/2022 I received payment for a check from my employer for {$1800.00}. On XX/XX/2022 the bank reversed payment saying the mobile deposite was deposited twice. I have contacted the bank and they told to contact the company that issued the checks bank so that they can inciate an investigation. The company that issued the check told me they dont see the check was deposited twice and that they havent submit a reversal of funds. The bank is not telling me when the check was submitted twice and to which bank. If check was submitted twice, it shouldnt be honored because it had been already paid.
Product: Debt collection

I the consumer received an illegal communication from XXXX XXXX XXXXXXXX XXXX. on behalf of CAPITAL ONE BANK ( USA ), N.A. In written form of a court complaint case # XXXX, about a consumer credit transaction in regards to an alleged credit card debt on XXXX for alleged sum of {$8200.00}, account # XXXX. In which I filed my answer to the complaint with the court on XXXX, and I also certified mailed with green return slip to XXXX XXXX XXXX XXXX, in which they received my court answer on XXXX. In which I have proof of delivery by green return slip signed. The court date was moved from XXXX to XXXX, for XXXX XXXX XXXXXXXX XXXX. claimed they did not receive my motion and vacated for later date, but I have proof they did receive my motion. I also received a communication from them on XXXX saying this alleged obligation is my responsibility after they conducted an investigation, but how can they investigate themselves if they are the ones conducting the fraud? If they conducted an investigation why cant they provide me with proof that this alleged obligation is my responsibility? That is a violation of 15 USC 1692b ( 2 ) not state that such consumer owes any debt. I responded in written communication back notifying them of a few of their multiple violations pursuant to 15 USC 1692, The FDCPA, which they received by notarized certified mail on XXXX. Which also included, request pursuant to 15 USC 1692g to validation of debt and pursuant to 15 USC 1692c ( c ) ( 2 ) as I am the consumer, and original creditor, invoked specified remedy for injuries incurred by both corporations. Which I have proof they received and signed for via green return slip. In return they did not respond or provide me with documentary evidence according to what congress defines as proof of validation, and none of the information I requested. They are actively engaging in multiple violations of my consumer rights and causing ongoing XXXX and XXXX due to their willful disregard to my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my balance in full with XXXX in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

014 XXXX XXXX XXXX Letter on Unfair or Deceptive Credit Practices. ... The FTC Act and the Dodd-Frank Act continue to prohibit unfair or deceptive acts or ... XXXX may determine a statutory violation exists, depending on the facts and ... 

ftc violations
Product: Checking or savings account

A series of fraudulent charges were made to my chase debit card in mid- XXXX  (  XXXX , I believe ). I was sent a text and followed steps to verify the fraudulent charges. A credit was given to my accoun t ( to the sum of {$310.00} ) for the two purchases ( {$65.00} and {$250.00} )  that actually went through before being marked as fraud.   Later, I received a package that had been processed through fraudulent charges to the same address as listed in my billing information carried with the card. Upon receiving this box  ( a bun ch of coffee mugs I had never ordered, but were the fraudulent purchase ) I called chase to talk to a representative and tell them they some how had the items shipped to me, but there was no return information and the website they were from seemed fake ( " buyourstyle.com and www.customtee '' ). I was told not to worry about it and throw it out or do whatever I wanted with the package since there was no return information.   Weeks later I receive notification that my claim was denied because the company the charges went through verified my address, name, and that the package had been shipped. On top of the fact that I notifie d Chase of my reception of t he package, and was told not to worry about it ; it is easily attainable information through a rudimentary google search that scammers can have items shipped to your billing address ( intentionally or n ot ). Yet, my claim w as denied because they sent me a non-returnable package.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$8800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-XXXX, Reference # XXXX ( Experian, XXXX  ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( Experian, XXXX, XXXX ), XXXX   XXXX, Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, XXXX ), XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX ).
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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 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: Mortgage

Consumer Financial Protection Bureau assisted me with complaint Transaction ID : XXXX back in 2013 due to Bank of America not cooperating with a re-finance request. 
I am now writing due to the fact that after the completion of my divorce the house was awarded to me and is current. After the divorce I had to file bankruptcy due to bills that were accumulated by my ex-wife and she was not required to pay them back due to full XXXX. My complaint with Bank of America is that they will not discuss allowing me to refinance or take advantage of any of the HARP programs because the loan is privately held. Per court order I am required to refinance and remove XXXX XXXX from the title. BofA did allow me to submit an Assumption ( Request Consent to Add/Remove Family Member from Deed/Title ( approved per BofA ). I need assistance pursuing my need to re-finance my home as this is very stressful to be stuck in a situation where I am paying my mortgage and feel vulnerable to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to purchase a home and pulled my score. notice some hard inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.

These inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts.

I urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.
Product: Credit card or prepaid card

NOTE : THERE IS NO PLACE TO ENTER A REPRESENTATIVE UNDER PRIVACY RELEASE AUTHORIZATION. ENTERED AS ADDED CARDHOLDERS AS THERE IS NO OTHER OPTION. XXXX AND XXXX ARE NOT CARDHOLDERS, ONLY REPRESENTATIVES PER PRIVACY RELEASE AUTHORIZATION. 

Fraudulent credit card charges by a local criminal and on line. 

We are responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as an amount due of {$18000.00}. The terms of the agreement are unacceptable. This matter was disputed XX/XX/XXXX. Citi did not close the card and allowed fraudulent charges many months afterward. Citi turned disputed charges over to collection during an ongoing investigation. 

Since Citi will not cooperate in providing information to an ongoing investigation, our information will be provided only upon Citi Bank cooperation in the matter. 

Attempts to assist XXXX to resolve have been unsuccessful. Citi notified XX/XX/XXXX. After many months and many phone calls, were referred to Mrs. XXXX, who understood the situation and got the communications to the correct fraud unit instead of filing charges against XXXX for fraud. Now Citi will not provide documentation to properly complete an investigation and report to authorities resulting in my many hours attempting to identify who committed fraud from other sources. However, rather than continuing to resolve, Citi continues to attempt to accuse XXXX for fraudulent transactions instead of assisting to trace the fraudulent transactions such as XXXX XXXX, XXXX, XXXX and others both locally and on line..