23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed numerous disputes with the credit bureaus about these collection accounts that are not mine. These companies keep hopping from credit bureaus to bureaus and reporting the informations that was already disputed and removed from the previous bureaus. Its already difficult enough as a identity theft victim but to constantly have to dispute the same information over and over is very unfair and difficult.
Product: Debt collection

Today i received a derogatory mark on my credit report from a collections company called phoenix financial services for the amount of {$900.00} from XXXX XXXX XXXX. This is completely fraudulent. They said its for a hospital visit on XX/XX/2019. I never received any notification. It seems to be fraudulent.
Product: Credit reporting or other personal consumer reports

I found accounts on my consumer report that does not belong to me. I filed FTC report because the credit reporting agencies would not help me get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from XXXX XXXX as well as contacted XXXX XXXX. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX we charged 4 Round trip Tickets ( XXXX XXXX XXXX  ) on our Capitol One credit card for a trip in XXXX of XXXX to XXXX XXXX. Because of XXXX, in XX/XX/XXXX XXXX XXXX air cancelled our trip. We requested that XXXX XXXX air reimburse us for our tickets. We have been dealing with our reimbursement for approximately two years. During this time we have been asking Capitol One to assist us, they have been zero help. This morning XXXX XXXX air notified us that they reimbursed the credit card on XX/XX/XXXX for our 4 RT tickets. The amount of {$3600.00} has never been credited to our Capitol One credit card. We have continued to pay interest and the minimum payment. Today we requested Capitol One provide us a letter stating that they never received the reimbursement from XXXX XXXX XXXX They absolutely refused to assist us in any way.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not XXXX
Product: Debt collection

Received calls from this number on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. At which point after checking, confirmed it was Capital One. On XX/XX/XXXX at XXXX I asked them to please discontinue communications, also expressed to them It was Sunday they shouldn't be calling me on a Sunday. I acknowledged with them that I do have a payment to make however it's only been a few days, They state XX/XX/XXXX was the due date. I expressed to them that this is not the time to be calling people to pay when there is a pandemic and hours are being cut at work. I asked if I was in grace and asked to confirm when they report to the credit bureaus. I was told yes and that they report in 30 days, at which point I told them my priority at the moment is food and shelter and once I know what my situation with work is due world events, I can start paying again. Account is past due but not the point I should be harassed ( 7 days ). Agent was then told this is not business as usual and hope they can understand me requesting to cease communication and that I would try to pay what I can and hope it goes in as good faith payments. 

I received another call again on Monday XX/XX/20 at XXXX, I did not answer. 

CFPB should also do something about collection practices in general due to COVID-19.
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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 
I did not give permission to use my consumer credit. I never had any contract with XXXX XXXX XXXX, Nor do I recognize this account. 
My rights are being violated.
Product: Credit reporting or other personal consumer reports

This is my second 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 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

I received a copy of my credit report regarding XXXXXXXX XXXX ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise.

Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary.

Please send correspondence via mail regarding the changes.
Product: Checking or savings account

To put this in a nutshell on XX/XX/2018 I was charged two insufficient funds of {$34.00} each by Chase bank! I have three accounts that are co existent together ... .I had over {$29000.00} in one account and over {$2000.00} in another account! Why is Chase Bank so Greedy for money when in fact they are already making money and Good Money on a daily basis with the money that is sitting there in the other account ... .I made a mistake of not transferring some money over and they refuse to give me my credit for the NSF ! I feel like I have been violated and abused by this mammoth of a company that has no practical sense or do they care about there loyal customers!
Product: Debt collection

XXXX loans were taken out in my name for trips to XXXX that I didn't authorize. The trips are through XXXX and not in my name even though the loan with XXXX is in my name. 
XXXX says that the trips are non-refundable and XXXX is requiring me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Product: Debt collection

XXXX provided internet service that never worked correctly. After months of support calls due to the internet barely working or not at all, XXXX sent a technician out to review the installation and modem. 

They then replaced the modem and said they would not charge me for the months of internet service that did not work. Then after another month their internet network continued to have low quality of service or none at all. 

I was forced to move my studio since there were no other service providers available and XXXX 's lack of reliable internet service made it impossible to operate my business. 

Now XXXX has sent me to collections via Radius Global Solutions, LLC who is harassing me for payment of a service that I was promised credit for that never was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Bank account or service

Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.
Product: Payday loan, title loan, personal loan, or advance loan

the company Security Finance is reporting that I had a late payment in XX/XX/year> to all three major credit bureaus and this is not correct. I had acquired loans with this company multiple times in the past and I had never made a payment late with this company. I have reached out to the company several times asking them to investigate and rectify there inaccurate reporting, but they refuse to and when I ask for proof of late payments, they DO NOT supply me with adequate proof they just keep sending me a letter stating that they are not subject to debt verification requirements. This account was paid in full and closed on 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.

IAccording 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. 


Accounts : Account Info Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Info Account Name XXXX  Account Number XXXX Account Info Account Name XXXX XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on XXXX under XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 Experian XXXX XXXX  Last reported XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone XXXX XXXX past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called XXXX XXXX XXXX the next day and talked to XXXX people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.
Product: Credit reporting, credit repair services, or other personal consumer reports

After observing my credit reports, I was disgruntled to discover that XXXX XXXX was inaccurately being reported in my reports. This account is closed and was to be deleted from my profile. Also the Account Incorrectly Reporting " 30, 60, 90 Days Late. This Account has Never Been Paid Late. It has been very damaging to my credit standing. The inclusion of this inaccurate information is a mistake and I am formally requesting an investigation into this item. I am requesting this issue be corrected and the item please be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated you completed a fair investigation. You also said these accounts are 100 % accurate. 



But can you please answer this one question? How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report : Did you interview my neighbors? 



Did you interview my friends? 



Who did you talk to? 



One more thing can you please tell me how everything is 100 % present and accurate if the account number, Date opened, payment status, creditor type, and date last active on these accounts are not reporting the same information? 



You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my report I listed : Account name - XXXX XXXX Account number - XXXX Account name - XXXX Account number - XXXX Account number - XXXX Delete these accounts immediately or you will be held responsible for XXXX per violation. Send me an updated credit report with the accounts permanently deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX PA 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 my written instructions.
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 XXXX late payments on this 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 credit report to this complaint on the following dates for XXXX XXXX XXXX Account # XXXX XX/XX/year> XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

Private loans with Navient ( " Signature Loans '' ) were discharged in bankruptcy. Navient reported accounts 'closed ' on my credit report with XXXX   balance due. 

Discharge dated XX/XX/XXXX / XXXX  district Illinois. 

They later claim that the loan are now in repayment. 

I feel compelled to not make payments for loans that show as closed and XXXX balance on my credit report. 

These need to be confirmed as discharged with Navient 's system.