23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Medicredit has been posting a medical collection they say I owe since XX/XX/2022. Monthly, they have been updating my credit report so, naturally I assumed with the new reporting rules that went into effect on XX/XX/2022, Medicredit would cease its reporting and remove the debt they are claiming I owe according to the new medical reporting rules that per XXXX, XXXX and XXXX states " The time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from six months to one year, giving consumers more time to address their debt before it is reported on their credit file. '' went into effect on XX/XX/2022. 

However, instead of updating my report in accordance with new reporting regulations, it appears they have simply decided to stop reporting all together with the last update being XX/XX/2022. And though they are no longer updating my report monthly, the debt remains on my report thus I am not granted the ease of hardship caused by an unexpected medical emergency that millions of Americans such as myself were expecting.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX, National Recovery Agency is not licensed to collect debt in the state of XXXX XXXX where I reside. I am not liable for this debt of {$2700.00} with National Recovery Agency Account number XXXX. I do not have a contract with National Recovery Agency, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit card or prepaid card

Good afternoon. This complaint is regarding a XXXX Visa from Comenity Bank. 

My statement balance for XX/XX/2021 was {$1900.00}. I paid off the whole statement balance ON TIME and was charged an interest fee of {$69.00} which is now reflected on my XX/XX/2021 statement. They have also charged me foregin transaction fees amounting to {$6.00} even if these were local USA transactions. 

I have called them twice today. The first time talking to an agent named XXXX who disconnected my call and just put me back on the phone queue without even telling me. The next person also was not able to help only telling me standard spiels. 

They have apparently been charging hidden fees like foreign transaction fees even if the merchants are local as I look back on my past statements. This is such a scrupulous company and would never use this card again.
Product: Credit reporting or other personal consumer reports

EXPERIAN keeps saying an account is verified when the account status has not been updated since XX/XX/year>. I have attached screen shots of my credit report before and after. The account has been re-aged and is past the statute of limitations. It should be removed immediately. If it is not removed I am filing for arbitration which EXPERIAN will have to fly their lawyers to my state and pay for all arbitration costs according to the EXPERIAN terms and agreements.
Product: Credit reporting or other personal consumer reports

Recently I investigated my credit report after being denied for an apartment, and employment. I found that all adverse information on my credit report is still being furnished to employers and landlords. 


I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX : XXXX. Account Name : XXXX XXXXXXXX | Account Number : XXXX | Balance : {$1200.00} CHARGE OFF Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX | High Balance {$520.00} | Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX |Balance : {$130.00} | XXXX. Account XXXX XXXX XXXX | Account Number XXXX | Balance : {$17000.00} | Monthly Payment {$500.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX My preferred contact methods are email : 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. 

XXXX XXXX XXXX XXXX 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 has violated my rights. Or a list of inquiries : 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: Student loan

Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found the following item to be an error. XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX OR ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$XXXX} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN XXXX XXXX OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card

I filed a dispute with my bank ( First Tech Credit Union ) regarding a charge on my credit card and they deemed the transaction as no error was made but the merchant was never received the funds. I explained to my bank that the merchant has confirmed several times that they did not receive their money. I again spoke with my bank as to what happened to the money and they will not give me an answer. They keep repeating to me that the dispute is closed.
Product: Mortgage

I am in the process of selling my home at XXXX XXXX XXXX, XXXX FL XXXX. My closing date is XX/XX/2024 and not only is my old servicer unwilling to honor its payoff statement, but my new servicer is telling me that I will be unable to payoff the loan through them until XX/XX/2024 at the earliest, resulting in a multi-day closing delay for no other reason that paper processing. The timeline of events are as follows : XXXX XX/XX/2024 - My mortgage ( # XXXX ) was held by Mr. Cooper Powered By XXXX XXXX ( Nationstar Mortgage LLC XXXX Mr. Cooper ). Servicing of this loan was transferred to Mr. Cooper ( a different Mr. Cooper ), and the old servicer did not provide me notice. 

XXXX XX/XX/2024- Mr. Cooper Powered By XXXX XXXX, my old servicer, generated a payoff statement for this loan. The payoff statement includes a XXXX XX/XX/2024 expiration date that covers my closing date. 

XXXX XX/XX/2024 - I receive a notice in the mail that my loan is being transferred effective XXXX XX/XX/2024. I immediately call the new servicer to determine how to payoff the loan because I have a XXXX XX/XX/2024 closing date. The new servicer, Mr. Cooper ( not Mr. Cooper Powered By XXXX XXXX ), tells me that they will be " onboarding '' the loan until atleast XX/XX/2024, will not generate a payoff statement for me until that time and will not allow me to payoff the loan. 

XXXX XX/XX/2024 - I call the new servicer again and they advise me, again, that they will not allow me to payoff the loan. The upshot is that, due to their unwillingness to allow me to payoff the loan, they will of course take days worth of interest from me in the meantime. The only advice they gave me was that I should speak with my old servicer. 

XXXX XX/XX/2024 - I call Mr. Cooper Powered By XXXX ( the old servicer ). They advise that the payoff statement they gave me, with a XXXX XX/XX/2024 expiration date, is not good and will not be honored. They state that they will not accept my payoff and that they will not stand by their payoff statement. They directed me back to the new servicer, Mr. Cooper ( confusing naming conventions ), which already told me that they will not allow me to pay off the mortgage. 

Based on the above, it appears that neither my old or new servicer will allow me to payoff my mortgage. The old servicer has generated a payoff statement with an expiration date that they will not honor. And the new servicer has decided that there is a minimum XXXX or XXXX  day blackout period in paying off mortgages they recently acquired, although they will happily allow me to carry the mortgage and pay them interest on it while they " onboard '' the loan.
Product: Debt collection

Select Portfolio has avoided answering my questions in QWRs and DVLs. They state that their authority comes from XXXX XXXX  as XXXX. XXXXXXXX XXXX states they have no such authority and are nominal. .SPS refers back to reports and labels used by themselves, which is not an answer to my questions. They have yet to provide evidence of, ownership or authority over the alleged debt. 
I have never received a notice signed by an officer of XXXX XXXX stating that it is the XXXX that owns any obligation owed by me to the trust. Nor have i received a notice signed by an officer of XXXX XXXX  that states that SPS is appointed servicer of my account receivable, as owned by XXXX XXXX XXXX for the trust, there is no direct assertion that either SPS or XXXXXXXX XXXX is involved. 
They have also refused to directly address accounting defects, while at the same time attempting to coerce me to accept a trial modification with threats of legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To XXXX XXXX : Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Auto Loan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job due to being XXXX XXXX XXXX resulting in my husband having to take a leave of absence from his own job to take care of our XXXX children while I was XXXX  in the XXXX XXXX XXXX XXXX  weeks. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my XXXX, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
I exchange, I am willing to sign up for auto pay so that there is less of a chance of ever being late again! 
Thank you for your consideration. Have a blessed day! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - My credit report shows on a Hard Inquiry from, Oportun/XXXX XXXX - I called to report that I began an application and did not complete nor submit the application and to please remove the Hard Inquiry. I was told they understood that I did not submit the application and was led to believe the inquiry would only take place if I had submitted the application. Tix Nbr XXXX was issued. 
XX/XX/2021 - I spoke with XXXX XXXX in the Application Department. He shared that at the beginning of the application there is a message to approve the inquiry as part of the application. - I explained that it is implied that the approval for the credit inquiry would be part of the submitted approval and no where does it state that the credit inquiry would be immediate and without submitting the actual application. - XXXX XXXX was not able to assist any further and I shared that I would reach out to the Consumer Financial Protection Bureau do to the misleading agreement in the beginning of the application. 
- I am asking that this hard inquiry be removed from my credit report and that the application wording be reviewed for being misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Account XXXX. : XXXX : SANTANDER BANK IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. SANTANDER BANK IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT. 
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM. 
SANTANDER BANK NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS. 
SANTANDER BANK NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS? 
SANTANDER BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE! 
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES. 
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM SANTANDER BANK, EVERYTHING ELSE IS ONLY HEARSAY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. 
I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. 



Capital one Bank, was provided copies of the FTC report. Capital One Bank failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. Capital One Bank failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. 

Capital One Bank did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from Capital One, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how Capital One Bank came to this conclusion. I suspect that no investigations actually took place. 


XXXX XXXX XXXX in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of Capital One bank, and also obtained default judgements for them as well.

How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You!!
Product: Credit reporting, credit repair services, or other personal consumer reports

They didnt remove incorrect information such as addressess, phone numbers, names. Which I never lived there. It should be XXXX XXXX, XXXX XXXX XXXX XXXX SC XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted several distputes to Equifax the dispute investigation prompted equifax to send me several copies of my credit report with dispute results. On XX/XX/2023 I was sent dispute results XXXX, XXXX, and XXXX. In the dispute results provided by equifax XXXX XXXX is replaced by a company named XXXX XXXX XXXX. This company shows the balance and account number of the XXXX XXXX account previously posted but I have no business dealings with this company and it should not be on my report. To my knowledge XXXX XXXX has not changed their name but they are currently in a class action lawsuit for illegal practices and procedures. When viewing my consumer file on XXXX XXXXXXXX XXXX shows but XXXX XXXX is not present. So it is unclear to me which company is attempting to report the debt. This confusion makes it unfair to me the consumer to continue to posses an account that is illegally reporting a debt under a company name that I have never had any business with. Weather XXXX XXXX incorrectly reported the account or Equifax incorrectly reported the account it is violation of my rights under the Fair Credit Reporting Act an the accounts with both XXXX XXXX and XXXX XXXX should be removed. Also, on XX/XX/2023 i submitted a claim ( claim # XXXX ) to the XXXX due to equifax refusing to provide the date of last activity for derogatory accounts on my report when their website states " closed accounts will remain on my credit report for 10 years from the date of last activity. The complaint was closed early by the XXXX without equifax providing the information I requested, however, the XXXX accounts missing the dates of last activity are XXXX ( account # XXXX ) and XXXX XXXX ( account # XXXX ). The account for XXXX should also be removed due to equifax refusing to provide the date of last activity so consumers can identify how long debts will remain on their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received and email about a new credit card. I checked my credit and noticed a brand new account and address that did not belong to me. 

I have filed a claim with the IDTheft.gov and tried to dispute with credit companies. 

I do not reside nor have I ever resided in the state of FL.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple missed payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681 c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681 c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> # XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report. Kindly eliminate them promptly.