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

Equifax has a medical debt opened on XX/XX/2020 for a balance of {$290.00} reported as three different collections with each having their own account number. This is fraudulent, there is only one collection and I disputed it at least twice and each time I dispute the error the debt collector reports it again under a different account number adding another collection on my report for the same debt. Neither Equifax nor XXXX XXXX will take accountability for this fraud. This is willful and intentional fraud and violation of the FCRA and my rights by both Equifax and the debt collection agency known as XXXX XXXX based out of XXXX XXXX Louisiana This is hurting my credit and my lending ability and I want them both held accountable and punished I will pursue a Federal Lawsuit if this is not resolved
Product: Money transfer, virtual currency, or money service

PNC is unable to connect to the app XXXX and I am unable to add funds to my account or withdraw funds from my account.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

At the end of XXXX, I received a letter from chase, informing me that all accounts will be closed on XX/XX/XXXX. The reason given was unexpected activity. I called many departments and wrote many letters. I wanted to ask what was violated. stipulations, leading to forced cancellation of accounts. But the final answer is that there is no reason, and the final decision can not be appealed. I have been a customer of chase for 8 years, and my account status has been good and my credit is good. I guess, it may be at the end of last year, I deposited a lot of checks within a month, and then transferred them to my personal account in XXXX XXXX XXXX because I need to apply for a loan from XXXX XXXX XXXX, so they require me to put down payment Deposit in their bank to approve the loan. These east wast banks can provide proof. And all checks and cash I deposit into chase can provide proof of legal origin. I hope chase can tell me the detailed reasons and accept my legal proof. In the future, I will pay more attention to the regulations of chase, and will not violate the user guidelines.
Product: Debt collection

On XX/XX/2021 I received an alert from XXXX XXXX of a derogatory mark on my XXXX  report. It was from RCVL PER MNG or Receivables Performance Management for {$100.00}. I have never been notified of said debt. Nor received a right to dispute notice. Was never notified of the company that sent my debt to RCVL PER MNG. I have disputed via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF THE FINANCIAL PRIVACY ACT : On XXXX at approx. XXXX XXXX CST XXXX XXXX inquired with US BANK about her student account not having any money within it. It seems that US BANK pulled {$630.00} from her account and paid off my * ( XXXX XXXX XXXX ) XXXX XXXX  XXXX account ending in XXXX. 

XXXX called to ask what happened to the money and to see if they would refund it back into her account, and spoke to XXXX. She kept telling XXXX that " your mom is behind on her payments '' and " it's legal for them to remove the money from your account, since your mom is a signer on your account. 

When XXXX let her know that she wanted to close the account and expressed the huge disappointment that he account was now - {$21.00}, saying that US BANK hurt her by removing ALL of her money. XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told XXXX that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. XXXX knew that I was in a Debt Settlement program, but I want to KEEP IT CONFIDENTIAL the amount that I owed. XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK< letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. 

I asked to have the legal department get in touch with me, to settle this matter. I am going to consult with my attorney about the breach of my rights away. 

Please help me in filing a formal complaint in this matter. 

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

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, Experian and XXXX, there is a late payment listed on my account for XXXX XXXX I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law.
Product: Consumer Loan

Springleaf Financial Services is overcharging my account with interest fees.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent please remove from credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been in a XXXX XXXX since XXXX 2015, all of my creditors except one has updated my information on my credit report. Ad Astra Recovery refuses to update the information with XXXX and I have spoken to them several times. I have tried to submit proof to them of my XXXX but they refuse to let me speak to someone who will correct the information. Page 17 of the document I uploaded clearly shows Ad Astra Recovery as a creditor.
Product: Credit reporting or other personal consumer reports

I noticed other inquries such as XXXX  inquiries for their credit cards and these auto loans finance which is capital one and XXXX XXXX which happen XXXX, that I never applied for ( XXXX ) it happen on XX/XX/year> and XX/XX/year>. I contacted chase about this before and told me they couldn't do anything
Product: Debt collection

This complaint is concerning collection calls by First Horizon/First Tennessee Bank regarding a HELOC ( Home Equity Line of Credit ). We thought this was a mortgage loan ; however, we are being told that it is treated as a credit card debt. 

In a previous CFPB complaint dated XXXX/XXXX/XXXX, we explained that we have only Social Security as income as a result of layoffs. We applied for this HELOC, in good faith, XXXX XXXX, XXXX. We 'Paid as agreed ' until XXXX, XXXX, after we had been unsuccessful in finding new employment after layoff ; we notified First Horizon/First Tennessee that we would attempt to sell the property. 

We received an email from their Consumer Loan Servicing Department, with text highlighted in bright yellow, saying, " The offer must net a minimum of 40 % -60 % of our mortgages current principal balance to be considered. '' Our Realtor said that the real estate market could not meet that requirement. 

Our credit report indicates that this HELOC was 'charged off ' by First Horizon XXXX yet, they continue to call. I notified them in writing that we are seniors with only Social Security as income. It was explained that we could not afford to pay off this loan, so why keep calling? Their written response says that they have the right to continue calling in an effort to collect. 

I have a log of their phone calls from XXXX XXXX, XXXX to XXXX XXXX, XXXX which include calls on weekends and a call on XXXX XXXX, XXXX. As their letter stated, they are within their rights to attempt to collect. Nevertheless, our income has not changed and we are seniors. When we lost employment, several loans were placed in default ; however, First Horizon is the only one still calling. Is it not enough that these loans appear as defaults on our credit report? There is no justification for these calls, and it begs the question as to whether all of the Social Security seniors who are in default receive collection calls, or is it only select ones? The loan has been charged off, we have no earned income, and we request that the calls stop.
Product: Credit reporting

I have disputed a collection with all credit reporting agencies about a collection that was paid and the creditor has disputed the collection as well and has asked all credit reporting agencies to delete the collection from my credit report. All credit reporting agencies have deleted the collection except for Equifax. The collection agency has gone online multiple times and manually requested the deletion, they have submitted the repositories and they have made repeated phone calls to Equifax , I have disputed it online and called Equifax multiple times and the collection has still not been deleted from my Equifax credit report.
Product: Student loan

I called the XXXX XXXX XXXX  XXXX about Mohela and XXXX not processing my application for XXXX for over 13 months now. It is not legal. I am also supposed to be in administrative forbearance and they have not put me in this and continue to play games and send me bills for XXXX and XXXX a month. This is all illegal and I have a federally protected XXXX of XXXX. I demand that the XXXX XXXX XXXX do their job with Mohela.
Product: Checking or savings account

E TRADE has locked my funds for over 6 months! I have done everything they asked for. Sent in my ID ( front and back ) sent in a letter, sent in copy of my ssn card. I even sent in bank statements showing the withdrawals to E TRADE. This was still not enough they wanted to 3 way call my bank. I moved from XXXX  back home to XXXX  in XX/XX/2022. When I did this I transferred {$4200.00} to my E Trade checking account. I also closed my credit union I was using in XXXX. .So after the 3 way call all the bank could confirm was that my account had been closed. Every time I call E TRADE. They say they wont unlock until 3 way call was complete. It has been completed. Twice. Im outraged they can do this.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in those account to be removed.

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

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


XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to dispute these hard inquiries on phone with each credit company but they have not done anything for 30 days. it is causing my credit to decrease tremendously. i am already under bankruptcy for 7 years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of bankruptcy so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.
Product: Credit card or prepaid card

On XX/XX/2020 I requested to transfer from Bank of america prepaid account edd to my chase account business account over a mobile app authorize by bNk of america i requested to transfer XXXX but made the mistake to transfer XXXX i waited up to 10 days and keep lan eye on the account account i filed 2 different disputes n 1 escalated claim which funds were never received to my bank and bank of america have been hanging up and not attending my calls ... its been over 3 months now ... I need help.
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. Insert accounts 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 XXXX make any consumer report containing any of the following items of information An other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 




XXXX XXXX  is the company name. The amount is {$6500.00}. Account XXXX
Product: Debt collection

This incident jus recently happened this past weekend ( XX/XX/XXXX) during a purchase of a home that got shut down due to a mishap on my credit that we have been protecting for months. It was a collection agency affiliated with XXXX on a account that has been closed for a year or more now. There was no info notification or letters of any type that would have informed me so. They jus popped it on my credit and it dropped 50 points over something that doesn't exist, that's been closed with a confirmation number as well.Some action definitely needs to be taken for a fraudulent charge on myself that isn't active. If something isn't resolved there may be legal action looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. 


I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

KIKOFF LENDING LLC Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. 

Collection account from XXXX XXXX SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX {$36000.00}
Product: Debt collection

I had to get XXXX involved with a billing dispute with XXXX XXXX XXXX because of their lack of performance. When XXXX stepped in, XXXX XXXX XXXX finally adjusted my bill. The final balance was {$87.00} which I paid. BUT ... what XXXX XXXX XXXX did in retaliation was send the bill to collection even though they were told I would not pay until the bill was adjusted. So there it sits effecting my credit. I tried to dispute the account with the collection agency, Enhanced Recovery. They zeroed out the balance and moved it to " removed collection ''. I just checked my credit and they moved it back to " closed collection '' which is effecting my credit. THIS is ridiculous!!! It should have never been sent to collections in the first place!! The act was retaliation for getting XXXX involved in XXXX XXXX XXXX lack of performance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recoveries listed XXXX collection accounts on my credit report. I contacted them and we settled the accounts and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The accounts are paid in full, but 2 days after it was paid the account updated with a balance. They were not deleted, and the balances due was updated to {$240.00} & {$96.00}. Then on XXXX, the balance has been updated to {$0.00} settled for less. This is NOT what was discussed or promised when paying the accounts. They need to stand by their word and delete the accounts not update the account/ balance. I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.