23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on two cases, XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ), for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL Southern District, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves an auto loan with credit acceptance corp. In XXXX the vehicle was repossessed. The creditor obtained a judgment and I satisfied that judgement in XX/XX/XXXX. The creditor incorrectly reports an amount past due and incorrectly reports the amount paid on the loan ; this reporting shows an amount past due for the month of XX/XX/XXXX of {$1600.00}.
Product: Debt collection

I had been paying XXXX XXXX XXXX for 1 1/2 years. Till I received back 2 months payments saying another collection agency had bought my account. ( ERC ) They automatically started reporting negative on all 3 credit agencies. ****WAS NOT AWARE OF MY RIGHTS****** I sent ERC a certified letter of validation. What they responded back with is NOT in anyway 1 ) validating the debt is mine 2 ) And or in any shape a validation of prove of the charges. They are charging me a one time {$600.00} fee and a total of {$5500.00} They are not even deducting all the payments I made the last 1 1/2 years!!! TOTAL RIP OFF!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX CA. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX, Equifax, XXXX RE : Formal Demand for Removal of Adverse Credit Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am submitting this formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) for the removal of adverse information from my credit report, as it pertains to my status as a recognized victim of human trafficking. Enclosed, you will find a certified transcript from the Superior Court of California, XXXX XXXX ( Case No. XXXX ), unequivocally affirming my victim status. 
The court findings confirm the following : XXXX. Recognition as a XXXX  XXXX  Victim : The Court found that I was subjected to coercion and physical and emotional abuse by my trafficker, XXXX XXXX, for over 15 years. This culminated in my forced participation in criminal acts under threat of violence against me and my daughter. These circumstances are explicitly documented in the transcript ( XXXX XXXX ). 
XXXX. Court Ruling : The Honorable Judge XXXX XXXX XXXX dismissed the charges against me, citing preponderance of evidence proving that the alleged criminal conduct was a direct result of my victimization. XXXX XXXX stated : I am going to make that finding that these drugs were possessed due to the fear of coercion as a victim of human trafficking, and XXXX going to dismiss these charges and seal her record pursuant to XXXX XXXX section XXXX ( Page XXXX ). 
XXXX. Impact on Financial Activity : My trafficker controlled all aspects of my financial life, forcing actions that have unfairly affected my credit history. As established during testimony, my choices and financial dealings during this time were made under duress ( XXXX XXXX, XXXX ). 
Despite previously submitting this certified documentation, your response indicates a failure to comply with federal law. 15 U.S.C. 1681c-2 requires credit reporting agencies to block information resulting from a consumers status as a trafficking victim upon submission of official documentation. This court-certified transcript fully satisfies the statutory requirement. 
Demands : I request : XXXX. The immediate removal or blocking of any credit report information derived from actions while under duress due to trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis was paid in full in good standing XXXX. Confirmation of compliance within 3 days as required by law. 
Enclosures : XXXX. Court-certified transcript ( XXXX XXXX. XXXX ). 
XXXX. Supporting documentation, including testimony of coercion and ruling details. 
Should you fail to comply, I will escalate this matter through legal and regulatory channels, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and initiating appropriate legal action. 
Please confirm receipt of this demand and notify me of your actions to comply within the specified timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account had been paid off and closed out years ago.
Product: Credit reporting or other personal consumer reports

I sent a certified letter addressing ; NO parking debt CFR1006.30A, cease and desist, refuse to pay.I requested a purchase agreement, HIPAA permission to release my personal medical information with my signature as validation .A copy of any and all financial records of bills and charges.I want this fraudulent collection REMOVED immediately off my consumer report.They have illegally reported a false collection .Re- aged the date, and status.The original Creditor is XXXX XXXX XXXX ( Parent ) My child is XXXX years old.theirs no way this debt is valid.
Product: Checking or savings account

I have deposited a check in the name of a third person, signed by her on XX/XX/year> for {$11000.00} and the funds have been withheld, the bank mentions that they will release the funds only if they authenticate the person by a telephone line in her name, she lives abroad, she has already come twice in person to the United States to present their documentation and release the funds, we have been trying to resolve the conflict, and the bank only indicates that the line does not go out in its name, even though it has a contract with the telephone company XXXX XXXX XXXX. 

I have called repeatedly to request the authentication they need, and they give us no other solution, only that we have 2 years to resolve the conflict, of which 4 months have already passed. 

Expenses are being incurred for air tickets, payments for telephone services and more. 

With so much technology in use today, it can not be possible that a person 's identity can not be authenticated by presenting existing government documentation and proving where the frozen funds were received from.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX ( XXXX XXXX ), Account name : # XXXX ( XXXXXXXX XXXX XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

Ive submitted several request to XXXX, XXXX  and exsperian to delete information that is hindering my fico score and credit score from rising soon as I submit a dispute i immediately get auto response that they investigated and everything is accurate. All three places have continued to repost old debts that are inaccurate they are using these tactics to keep XXXX  like myself in bad credit and debt I have been fighting since the early 2000 's to rebuild my credit
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open XXXX XXXX XXXX  Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, as consumer, without aid of credit repair organization, am writing to dispute any and all information that appears on investigation results of Consumer Report Number XXXX. 

The Experian consumer report evidence the inducement of a hardship as an unfair, deceptive and abusive practice. 

EXPERIAN is hereby directed to delete any and all personal information and highly restricted personal information as defined at 18 U.S. Code 2725 and account information in compliance to 12 CFR 1016.15 ( a ) ( 1 ) as this revocation of any and all consent and direct EXPERIAN to cease and desist, as right to opt out, unauthorized use of personal information and any and all negative information as compliance to : 1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act and 15 U.S.C. 1611.
Product: Credit card or prepaid card

Discover closed my account because I do not want to give access to my IRS tax return to XXXX. I opened a complain here and the solution they gave me is unacceptable. Under their terms and conditions there is no mention of me providing additional information to the credit bureaus. I agreed to give Discover additional information and as I told them I can release the documents to them. If they use a third party, is not on me to provide information that such 3rd party does not have. They can close my credit card for any reason but it can not be because I will not share my sensitive information with a third party. 

In addition they said they will give me until XX/XX/XXXX to contact them to keep the account open and they reported the account closed and settled to the credit bureaus on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was removed from my credit report by TransUnion and all other bureaus, and for unknown reason TransUnion added it back onto my credit report
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ( REMOVE ACCOUNT IMMEDIATELY XXXX
Product: Money transfer, virtual currency, or money service

A representative from Keyword bank said that I could withdraw my profits by way of an ATM card. 

They required a fee which was sent. However, they stated that it would be another XXXX dollars and this past XXXX, there was another XXXX dollars added. 

I asked the SEC if Keyword bank was legit and they said that it was not a registered bank.
Product: Credit card

Credit card closed, Bank of America could not say why they closed my account, they only say that it was requested by XXXX, but XXXX only controls the credit history, Bank of America for the second time, does not know why my account was closed, according to them they can not see the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old accounts on my credit report that is been pay off and close plus way to old to remain on my credit file
Product: Credit card or prepaid card

I landed in XXXX on XX/XX/2022 at the XXXX airport XXXX XXXX. I rented a car from XXXX for USD XXXX at around XXXX local time. I signed the rental car agreement and paid with my chase sapphire credit card ending in XXXX. I lost my card at the rental car station and that was the last time I remember having the card on me personally. 

A few days later I noticed a charge from XXXX XXXX. I tried calling XXXX XXXX merchant and I could not get in touch with the merchant. I checked my chase app and I noticed several credit card charges at fashion and clothing stores at a mall that was more than XXXX miles away from my temporary place of residence ( XXXX XXXX XXXX XXXX ). I called Chase and they mailed me a new card ending in XXXX ( which arrived almost 7 days later ) and reversed the charges. The card was never in my possession. during this time. 

I tried making a police report but was unable to do so as I did not have an XXXX XXXX id ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not have a method of paying for the police report ( My replacement card was yet to come ). I was not able to communicate with the merchants where the fraud occurred as I was in a XXXX XXXX. 

I returned to XXXX on XX/XX/2022. A week later I noticed a fraud charge from the rental car company XXXXXXXX XXXX on my " replacement '' card XXXX. This was after I had returned the car and was given the closed rental car agreement, proving that I did not have any outstanding charges from them. I immediately called Chase and they canceled my card, temporarily reversed the transaction, and put a block on the merchant. They mailed me a new replacement card ending in XXXX. 

I received a call from Chase fraud department on XX/XX/2022 and I asked them if I would be liable for the fraud charges. Chase could not confirm that I would not be liable for these fraud charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.
Product: Debt or credit management

Agreed to a 42 month plan with Americor to negotiate three accounts ( XXXX  XXXX XXXX {$22000.00} ), XXXX XXXXXXXX ( {$6800.00} ) and XXXX XXXX ( {$26000.00} ) ). I met the 42 month plan that started on XX/XX/XXXX and now Americor needs another 12 months due to failing to negotiate my last account with Payoff. This is consumer abuse and irresponsible on Americors part. I was told by the representative I spoke to that its common to see this on last account negotiations. Unbelievable. We are no longer able to meet this plan and the only option they gave me is to negotiate this with XXXX myself which is what I thought the plan with Americor was about. Americor is more concerned with them getting paid their {$7000.00} fee so they can be paid first versus fighting for their customers. 

I spoke to a previous agent XXXX XXXX on XX/XX/XXXX that mentioned that Americor can negotiate with at least 50 % of the debt owed which we have now so makes no sense that Americor is now pulling this.
Product: Credit reporting

I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my account.
Product: Checking or savings account

A cash deposit {$760.00} was made Friday XX/XX/2023 to Account ending XXXX XXXX  at XXXX information on the receipt is as follows Amount {$760.00}, Teller XXXX, Bank XXXX, Branch XXXX, Transaction XXXX. On Monday XX/XX/XXXX I called and relayed all information, it is now XX/XX/XXXX and still no money is in my account. 

I would like my money and additional fair compensation, the bank would have charged me a fee if I was short in my dealings with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report & I noticed after 40 days some accounts I have disputed against the creditors & credit bureaus is still reporting. I mean obviously these accounts are inaccurate & going against my rights with the law. ( section 609 fcra ). I am dissatisfied & ask that these accounts be removed ASAP.
Product: Credit reporting or other personal consumer reports

Please I want this information to be deleted from my report since it greatly affects my status. I have a lot of problems with this XXXX XXXX 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

My name is XXXX XXXX and I am a natural man / consumer and beneficiary submitting this complaint without any influence or involvement from any agency or 3rd party. All consumer reporting agencies must work together pursuant to 15 USC 1681b ( e ) ( 6 ) on a Nationwide basis to maintain a joint notification system which EXPERIAN failed to comply with under the FCRA as required by law. 

I need clarification as to why you are reporting inaccurate information on my consumer report. In accordance with the FCRA I am entitled to a fair and equitable credit report and EXPERIAN is not providing me with one. EXPERIAN is furnishing inaccurate and false information about me that is not true which is violating my right to privacy and causing undue risk of identity theft which needs to be removed. The inaccurate information includes but is not limited to ; inaccurate account open date, inaccurate amount due, varying amounts due, past due account status, late or delinquent payment history. 

This is not a request for verification or validation, but rather a demand for compliance not to be mistaken as a formal complaint or a dispute. See the provided attachments as it requires your prompt attention and response.
Product: Debt collection

i fell behind on my private student loan, but for XXXX yrs i was under an agreement to make {$260.00} a month payments. i recently completed this agreement, but was met with harassment and belittling comments from a manager at Premier Credit. Berating me because I can not afford to increase my monthly payments and was met with resistance to continue payments like i currently am. In XXXX 2013 they offered me a deal to settle my account for XXXX, but now they are telling me i 'm 16 months behind and our threatening to take more income that i do not have as i 'm a mother of XXXX and a full time student. i am more than willing to continue payments to bring my account to zero, but this company is not willing to work with someone on a limited budget and even insulted the fact that i was on a limited budget.
Product: Checking or savings account

Deposit not posted,24/7 phones not working, returned item fees charged, delayed communication from financial institute, communication received is sketchy at best