23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my Chase bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The Chase bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through XXXX in Chase, I failed to get it back. The Chase bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Transunion about removing XXXX XXXX account since it was reporting a XXXX balance. Their investigation did not resolve the issue. They are now adding a balance to a closed account.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Telerecovery is trying to collect a debt that I do not owe. I have asked them to provide me with proof that this account belong to me and that I am obligated to pay them anything. Telerecovery has not provide me with any documents stating that I am obligated to pay this debt. Telerecovery is in violation because they are reporting a debt on my credit file that I do not owe and not to mention ( they have not provided me proof that they own this debt that they are trying to get me to pay. ) Please help in getting this debt removed from my credit file.
Product: Credit card or prepaid card

On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report. I feel lied to. What was the point of the payment plans?! If it wasn't for Capital One offering the payment plan, I would have made the payments on time. Seems engineered to get more fees from customers.
Product: Credit card or prepaid card

I have a XXXX XXXX store card issued by XXXX Bank. This bank doesn't provide auto payment feature on purpose and rips people off on late fee even if they are late by one day. I have requested that they provide this feature as this is a minimum standard every credit card company provides and it is extremely difficult for people to remember that they have to make this one credit card payment manually every month.

The company just keeps on ignoring the complaints and continues to rip off people on late fee by NOT PROVIDING THIS FEATURE on purpose. 

I strongly feel that they business model is to make money out of late fees. 

I request that CFPB looks into their business practices.
Product: Credit reporting or other personal consumer reports

The inclusion of this account on my credit report, as I perceive it, constitutes a blatant violation of 15 USC 1681a, the Fair Credit Reporting Act, specifically as stipulated in [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Allow me to elucidate my stance. In accordance with the Truth in Lending Act, 15 USC 1602 ( l ), a " credit card '' is precisely defined as follows : " The term 'credit card ' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

By this unequivocal definition, it becomes patently evident that both my social security card and drivers license, which have been or are utilized for the extension of credit, categorically fall under the purview of " credit cards. '' Given these legal considerations, I emphatically demand the immediate expungement of this account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the charge off was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX Date Opened:XX/XX/XXXXBalance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian and XXXX neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX illegally repossessed my XXXX XXXX XXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX  has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX  has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account withTRANSUNION 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.

TRANSUNION 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: Vehicle loan or lease

I had a double payment taken out of my checking account after I went into Bank of America 's website and changed my payment schedule to skip a couple of months as it seemed like I was 4-5 months ahead on my payments. Instead of skipping a payment they double charged me. They charged me on XX/XX/23 for {$1000.00} and again on XX/XX/23 for {$1000.00}. After I called and was told that they would credit the {$2000.00} amount ( Confirmation # XXXX ) they never credited my account and my XXXX statement doesn't show the two charges. So I called customer service again, and this time I was told that they have to mail me a check, and that typically takes at least 14 days. Well, it's been over that and I still don't have that to replenish my account the double payment they took out!
Product: Debt collection

I am aware of my rights under the Health Insurance Portability and Accountability Act of 1966 ( HIPPA ) to safeguard my medical information from third-party disclosures. Regrettably, I do not recall granting permission to XXXX XXXX XXXX XXXX or any other part to release my medical information. 

I request all documentation as indicated in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Esperian via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in prison since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need help.
Product: Debt collection

I have a solar system leasing from XXXX XXXX, XXXXThis solar system was not working before XX/XX/year>. I have called them and they came and checked it, and said should replace the failed Inverter by a new one. But, after I called them many time to fixed. They can not fix the problem. 
So I call the billing department and told them I will stop pay the bill until they fix the problem in XX/XX/year>. 
After XX/XX/year>, nobody come for repairing the system. 
XXXX went bankrupt in XX/XX/year>. 
After XX/XX/year>, nobody take care my solar system problem. 

Until now, the system is still not working. 

Now, XXXX XXXX XXXX, XXXX. asked SIMM Assoc. to collect the debt from me. SIMM ASSoc. is debt collector. 
I did not sign any agreement with XXXX XXXX XXXX, XXXX. It maybe take over XXXX business. 

Based on solar industry common sense, if the system was failed, the supply company should fix the problem as soon as possible. And if the system was no function for a long time, the supply company should pay the compensation to the customer. 

I hope XXXX XXXX can fix the solar system problem as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation Under the fair credit reporting act to conduct a reasonable investigation for disputed on my credit report leaving an inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently. Filed a lawsuit against XXXX. Alleging systemic issues. Such as failing to forward, consumer provided evidence to furnishers, excepting unreliable responses and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed these items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate action to either remove or amend the disputed accounts, as XXXX inactions violates federal laws and my rights as a consumer.
Product: Mortgage

they allowed me to apply for modification 2 times to come back to say invester does not partisipate. Cause me 6 month further behind
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer has notified previously of dispute and TRANSUNION is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX, XXXX, XXXX, and all other accounts XXXX may or may not have alleging debt owed using consumer private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has been reporting erroneously on my credit file for a while now. I have paid off this accounts MONTHS ago and it is still reporting a balance. I just recently received a letter from them confirming the account has been paid. I'm am very irritated because this account has been paid for a while now and it still continues to affect my credit score an my ability to obtain financing. I need this account removed/fixed on my credit file ASAP.
Product: Credit card

I am writing to formally lodge a complaint against Chase Bank concerning the abrupt termination of XXXX of my personal credit card account ( XXXX ) without any prior notification or justification as well as their obstruction of lawful credit use and theft of funds. 

On XXXX XXXX, 2025, I received knowledge that XXXX of my personal credit card accounts at Chase Bank was unilaterally terminated without any prior notice or explanation after making transfers to my accounts. Despite multiple attempts to obtain clarification from the bank, I have not received an adequate or satisfactory response. This has caused significant distress and uncertainty regarding my financial standing and stability at Chase Bank. 

Additionally, I recently attempted to transfer funds from XXXX of my other accounts to XXXX of my personal credit card accounts at Chase Bank that werent closed, and they basically stole my funds and then closed my account. However, I have faced active obstruction from Chase Bank, which seems to be preventing clients from conducting any transactions other than those that benefit Chase Bank, such as extending credit to them or dealing with their approved banks. I believed My accounts was personal as they advertised, but now I am unsure about the nature at Chase Bank. This confusion has raised serious concerns about the management and security of my funds. 

Furthermore, I am increasingly concerned that Chase Bank XXXX be unable to meet its obligations to depositors or creditors. The value of an account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions, and any investments linked to the accounts or profit-generating schemes such as fractional banking. This adds to my apprehension regarding the security and management of my funds. 

Previously, Chase Bank has used my service agreement to restrict certain actions or limit my ability to transact on my personal accounts. However, since I signed this agreement on my own without any negotiation, it is neither appropriate nor legally valid for Chase Bank to enforce it. This behavior is misleading and deceptive.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 an account without written instructions.
Product: Debt collection

I was served papers by a debt collection agency as their first point of contact for a debt that isn't mine. They also attempted to charge interest on the debt, which is illegal. When I tried to contact them to resolve the issue, they refused to answer or call me back, which is also a violation of the law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide me with certain information, such as the amount of the debt, the name of the original creditor, and my rights to dispute the debt. It's clear that the agency did not follow these requirements by serving me papers as their first point of contact without any prior notification or discussion with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX made a credit inquire on my report on XXXX and XXXX XXXX made an inquiry on my account on XX/XX/year>. I would like these inquires removed from my credit report as they were not made by me. In addition, I have disputed a paid XXXX  account with Experian and XXXX account that isn't mine however they are still reporting. I paid the accounts to actively clean up my credit report however there has been no benefit to me doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : 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

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. 


I told XXXX and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account Number XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.