23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I co-signed a lease agreement for XXXX XXXX ( my son ) and XXXX XXXX XXXX friend of son ) for an apartment at XXXX on XXXX managed by XXXX XXXX XXXX. The rental lease agreement ran from XX/XX/XXXX through XX/XX/XXXX. 
On or about XX/XX/XXXX the move out paperwork was signed, keys were returned and all parties vacated the property. I have not received any form of communication from XXXX on XXXX or XXXX Communities XXXX since. 

On the evening of XX/XX/XXXX I checked my credit report on WellsFargo.com and discovered that XXXX on XXXX had reported a debt to National Credit System and that National Credit System had reported a collection to the credit reporting listing XXXX on XXXX as the original creditor. 

The next morning XX/XX/XXXX I went to XXXX on XXXX to inquire about the collection and I was told that I owe {$150.00} for carpets replaced in XX/XX/XXXX. I provided the onsite property manager XXXX XXXX with a cashiers check for {$150.00} later that day. She gave me a receipt and admitted that she did not attempt to notify me of this debt because she did not have a forwarding address. I was a co-signer. I did not ever reside at the property. However, I provided XXXX on XXXX my home address, cell phone and email in my co-signer lease application. XXXX verified that the cashiers check was cashed on XX/XX/XXXX. 

I disputed the collection with XXXX, XXXX and XXXX. XXXX deleted the collection from my credit history. XXXX and XXXX verified that National Credit System reported the collection and closed the dispute without taking any action. 

On XX/XX/XXXX at XXXX I spoke with XXXX XXXX at National Credit System . I explained that I had not been contacted by either XXXX on XXXX, First Communities or National Credit System about the debt. XXXX XXXX stated that National Credit System sends notifications by mail but they were not able to obtain my home address from XXXX on XXXX. National Credit System notified the credit reporting companies without attempting to contact me, or providing me with a validation notice. 

I informed her that the debt was paid to the original creditor on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. She stated that she would verify that the debt has been paid, and once confirmed, she would notify the credit reporting companies that the debt has been paid. I asked that she also request that the credit reporting companies delete the collection from my credit history because I was not notified of this debt. She said she was not able to do that.
Product: Credit card

I have been disputing a charge from the Credit Card company XXXX since XX/XX/XXXX with no assistance from them. I have informed them several times verbally which all calls are recorded and I have been told by several for their representatives there are ALOT of notes in may account. As of today I have not received a call back from a supervisor or manager and I have made several request for XXXX. I am disputing a charge from XXXXXXXX XXXX XXXX. I have file XXXX complaints with your agency XXXX on XX/XX/XXXX & on XX/XX/XXXX I have heard nothing back from you. Again I did not authorize the purchase and have made it extremely clear since XXXX first informed me of a suspicious charge back in XXXXXXXX XXXX XXXXXXXX. Nothing has been done, I thought this was cleared up since I have not heard from them now I am getting sued by attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX ph # XXXX Reference : XXXX and have hurt my credit score and continued to charge interest on a charge I informed them was fraudulant.
Product: Mortgage

Recently in XX/XX/2019 my mortgage was sold to LoanCare from XXXX who went into bankruptcy. LoanCare has not gotten the correct information inputted into their system and its been 7 months! My old insurance company sent LoanCare a check for premium paid to them instead of my new company around the amount of {$2600.00}. LoanCare can not find where they put that money that was supposed to be sent back to me. I have made several attempts to talk to them about all of the incorrect charges and monies lost. They are still charging me in my escrow for my old insurance premium and not my new one. They are reporting to the credit bureau that I have missed payments and not making payments at all. I have been fighting these remarks for 7 months and I am getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps lowering my credit score even though I have not had any late payments etc. The first time they lowered it by 30 points with no explanation and today I saw they loweted it by 5 more points with no new accounts etc.
Product: Credit card or prepaid card

A {$3500.00} transfer was made from XXXX XXXX  card ending XXXX to Capital One ending XXXX. But instead the transfer was made to Capitol One virtual card ending in XXXX. The transfer was completed on XXXX 's side but Capital One claims the did not receive nor " see '' the transfer. The transaction happened on XX/XX/2022 and still I see the {$3500.00} in my XXXX account and no payoff in my Capital One. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Reporting Agencies for Improper Handling of Charge-Off Disputes To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing as a deeply dissatisfied consumer to file a formal complaint regarding the mishandling of my credit report disputes by the credit reporting agencies ( CRAs ). Despite my legitimate challenges to the reporting of charge-offs on my credit file, these agencies have failed to conduct proper investigations, yet continue to report a balance due, enabling original creditors to potentially collect payments multiple times for the same debt. This behavior is not only unacceptable but potentially fraudulent. 
My disputes relate to the reporting of charge-offs, which are inaccurately reflected as balances still due. The CRAs claim to have " verified '' this information, but their so-called verification process is nothing more than an automated ID match through a computer system. This lazy and flawed approach does not constitute a proper investigation under the Fair Credit Reporting Act ( FCRA ). 
Moreover, the continued reporting of a balance after a debt is charged off is an accounting error that the CRAs are fully aware of. Such actions have significant implications for both myself and the IRS. If the original creditor has indeed charged off the debt, they are required to issue a Form 1099-C for canceled debt income. I demand a copy of this form so I can accurately report it as income on my taxes and ensure compliance with federal law. By failing to address this matter and allowing this erroneous reporting to persist, the CRAs are complicit in facilitating a potential violation of IRS regulations.

Under the FCRA, the CRAs are obligated to ensure the maximum possible accuracy of the information they report. Their failure to investigate my disputes properly and their continued reporting of inaccurate balances represent clear violations of this obligation. Furthermore, this practice exposes me to potential tax liabilities and creates unnecessary financial and emotional stress.

I am seeking the following remedies : 1. Immediate removal of all inaccuracies related to the charge-offs or collections reported on my credit file.

2. Copies of any Form 1099-C issued by the original creditor to substantiate the charged-off debt.

3. Compensation of {$1000.00} per violation, as stipulated by the FCRA, for each instance where the agencies failed to comply with their legal obligations.

4. Any additional statutory damages deemed appropriate for the harm caused by their negligent and fraudulent actions.

I urge the CFPB to hold these agencies accountable for their blatant disregard of consumer rights and their legal responsibilities. This matter has caused significant harm to my financial health and well-being, and I expect swift and decisive action. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and inform me of the steps being taken to address it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I currently have XXXX private loans owned by NCT and serviced through AES. I proudly served in the XXXX XXXX and have been since deemed XXXX XXXX and I would like to apply for a XXXX discharge of these XXXX private loans. I 've contacted AES and they could not assist, they forwarded to NCT who offered no assistance. Who do I contact?
Product: Mortgage

Rushmore Loan Management Services was assigned my loan from XXXX XXXX for my property during COVID and tried to foreclosure on my property and would not work out or approve a loan modification. I filed for Bankruptcy to stop everything and tried to do a modification through the bankruptcy court. They would not approve me. I then applied outside of bankruptcy court again and they still won't approve me. I make plenty of money, however the housing prices went sky high after COVDI in Florida and I believe they want to kick me out and sell my house for a very high price! I am a single elderly woman and I am being discriminated on. Please help!
Product: Checking or savings account

My personal checking account with sun trust has been closed for about 2 months. 
I call every week and they give me the same response, your account is under review call us back within 3-4 days and this has been happening every week I call. all my money is in the account I cant pay for rent, I can barely feed my family and they wont even at least release funds I got from the stimulus. im making this complain because I been patiently waiting but its not getting me no where.
Product: Credit reporting

Complaint number 5 - XXXX XXXX. 

There are at least 4 prior complaints regarding Equifax 's reporting of this account on my tradeline. 

All complaints have surround the " Activity Designation '' that EQ uses to define the current status of an account, be it Paid/Closed or NA when Open. 

It is apparent that when this value is not accurately set, that the PAY history - fills in wholly inaccurately, as the account has been closed for months. 

I have attached a sample report from Equifax 's own website, and on page XXXX, is an account with a " Closed Date '' and then - an Activity Designator that they display and expect to be present. 

During these XXXX previous disputes with EQ - their manual updates, have destroyed the tradeline. 

The Pay History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

The Balance History present previously and - traceable submissions to them by XXXX XXXX, is now gone. 

That is attached as well. There is also an attached document from the printed reports showing the Pay and Balance History - deleted. 
This account had perfect payment history. 
This account has perfect balance history, to support its pay history. 

Equifax - if you can not go back to the original creditor and put the account back to which it started and then stood until closure, you have left this trade line inaccurate and wholly incomplete. 



In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Product: Credit reporting or other personal consumer reports

old information about late payments and charged off should be deleted,, inaccurate balances..
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX AXXXX 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: Vehicle loan or lease

Customer of Wells Fargo between XXXX and XXXX. Was charged for Gap Insurance, would like to know if I qualify for the settlement.
Product: Checking or savings account

Unable to access my accounts online due to a system upgrade done by the bank last Friday So far its been four days without access. No forecast as to how much longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies are violating my rights : XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX, and the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XXXX - {$730.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I received a collection notice from OnLine Information Service regarding a delinquent account in the amount of {$840.00} From XXXX XXXX XXXX. I have never used this company and have lived at my current address since 1990. 

The address of the service is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The account number is XXXX. I have contacted On Line Information Services and they will remove my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX XXXX  XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to Experian, XXXX  and, XXXX  with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.
Product: Credit card

In reference to my previous complaint CFPB # XXXX, Company response is states that their Fraud department has concluded that purchases two transactions ( {$210.00} & {$34.00} ) totaling {$280.00} were not made by me. As a result a refund has been issued. 
The only refund that was issued to me was the extra amount that I had overpaid which was a. 
The amount I payed to XXXXXXXX XXXX  is {$610.00} on XX/XX/2023, which included : 1> The fraud amount {$280.00} 2> Late Fee 3> Interest charges 4> Fine Plus destruction of my credit rating - direct outcome of that is I could not get home mortgage loan, as my credit rating had plummeted. 

I assume we all can do the math on the tangible amount and if that is true then the statement shared by Synchrony Bank on the amount refunded to me is both false and misleading. 

At the bare minimum Synchrony Bank stands to refund me {$560.00} Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Accounts : XXXX FCU : # XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Upon reviewing my Experian credit report on XX/XX/year>2025, I noticed incomplete and inaccurate information. According to the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports, as stated in 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i ( 5 ), inaccurate or unverifiable information must be addressed as follows : 1.If, after a reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete the item of information from the consumers file, or modify it to reflect accurate information. 
This failure to comply with these federally mandated procedures constitutes a violation of my rights under the FCRA. I request immediate action to correct these errors and ensure compliance moving forward.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I took a loan out on XX/XX/19 for {$1500.00}. While the high interest was disclosed, there was no amortization schedule to show how the loan was to be repaid, the amount of each payment, or the total that would be paid including interest if the loan was paid as scheduled. I tried to take a lesser amount than the offered {$1500.00}, but their system automatically sent {$1500.00}, even though I had only asked for {$800.00}. The bi-weekly payments are criminally large and set up in such a way as to try to get borrowers to take another draw and end up in a cycle of borrowing/constant repayment. As of XX/XX/19, I have paid approximately {$1000.00}, and I still owe {$1500.00}. I would not have taken this loan had everything been laid out clearly, so I could easily see how long it would take to repay and what my bi-weekly payment amounts ( which are not the same every time ) would be.
Product: Credit reporting or other personal consumer reports

Please update the following accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account # XXXX because this account is only reporting on my Equifax and my XXXX credit report. It has been removed from my XXXX account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC XXXX ( b ) ( c ). Please remove this account from my Equifax and XXXX credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : XXXX validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ). 
XXXX. A copy of the original contract with verified signatures binding both parties per UCC 3-505. 
XXXX. All Payment History 4. All charges with my signature or digital signature