23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid XXXX for a notary renewal course. They did not send me the link in a timely fashion and I had to file a complaint with XXXX. Once the complaint was filed, XXXX sent me the link to the course and filed proof of said with XXXX, so the complaint was closed and my payment was sent through XXXX to XXXX. 

I completed my course and sent the necessary proof of completion to XXXX and requested that they send me, via email, my course completion certificate so that I could take my XXXX XXXX exam. 

XXXX informed me that they would not be sending me my Cerificate, claiming that I had dishonored the payment/not paid them and that they had sent the bill to a collection agency called Fidelity Creditor Service. 

I called Fidelity Creditor Service and told them the urgency of the situation, as my income will stop if I am not able to renew my notary license. I spoke with XXXX at XXXX and advised him that XXXX would not release my certificate until the collection agency told them I had paid the account ... ..the account that never should have been placed with collections in the first place. XXXX said it would take 48 hours to clear up, and we began to argue as I felt this was unacceptable as this should have never been sent to collections in the first place and because I was going to have to reschedule my notary exam if I did not receive this certificate asap. XXXX then told me that if I faxed the document over that, " oops, we did n't receive it. '' would happen. At that time I then asked him to provide me an email address as well so that I would have double proof that I had sent the info over. XXXX refused to provide me with the email address and again made sure that I knew that anything I sent by fax would some how not be received. 

I called back 11 times and left messages with XXXX and spoke with another person named XXXX and neither of them would provide me with an email address to send the proof of payment to, since XXXX had made it abundantly clear that anything I sent by fax would be intentionally lost. 

This collection agency has been informed that his account was placed with them maliciously and is refusing to accept the proof that the account should have never been placed with them and has blatantly told me that anything I fax over will be conveniently lost/not received. My account number with them is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 Personal Information Previous Address ( es ) : X XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 XXXX : XXXX XXXX XXXX  Employers XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH BOA AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM BOA NEVER CITED THE SOURCE. I RE-PULLED MY XXXX  AND IT'S XXXX. I WOULD LIKE BOA FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE BOA FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i realized you are reporting inaccurate credit information. This account was resolved and promise to be deleted on my report i paid the account and the debt collector deleted on their part but when i called the original creditor i was told to contact the credit bureau because they have no control of matter anymore. Please delete of my credit report ASAP. THANK YOU. 


XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Recent dispute with Discover to removed charges that do not belong to account holder. Please remove all fraudlent charges Discover Card account ending in XXXX
Product: Credit reporting or other personal consumer reports

My name state on driver license as XXXX XXXX not XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously mismanaged my credit report. In XX/XX/XXXX they reduced my score 36 points just because I got a credit increase of XXXX. I believe someone is purposely sabotaging my report at Equifax because I have previously complained about them. They are the only credit bureau that continuously maintains the lowest scores for me. They continuously report inaccurate information. I got a credit increase and XXXX  score went up 10 points. I believe that they are targeting me I would like to have a serious investigation done. How can I have XXXX at XXXX  and XXXX with equifax. I just had a miscellaneous derogatory late information removed from my mortgage company in XXXX and it's not reflected in my score. I want them fully investigated because I want to take legal action.
Product: Credit card

My Chase credit cards were hacked. The hackers made fraudulent charges on my cards and also stole {$1500.00} in accumulated XXXXXXXX XXXX points from my account. Chase acknowledged the fraudulent use of my credit cards and issued me new credit cards. But Chase has refused to reinstate my XXXX XXXX points to my account. Instead, they have falsely accused me of converting the points to gift cards and downloading to my email account. ( See attached Chase rejection of claim letter ). I have refuted that allegation and have offered Chase access to my main l AT & T email server to establish no gift cards were ever downloaded to my email account. Instead, as my letter to Chase documents, this is a known technique used by credit card hackers to steal XXXX XXXX  points from Chase credit card customers -- a fraud technique of which Chase is well aware. 

Chase 's handling of this matter is irrational and unreasonable. On the one hand, Chase acknowledges that I was the victim of fraud. On the other hand, they are refusing to reimburse me for the full amount of the documented fraud loss I suffered.
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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card

Macy charge me a sneaky XXXX $ minimun interest, even though i have n't use that card for months.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my EQUIFAX credit report XX/XX/XXXX and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of the Fair Credit Reporting Act : 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individuals. These accounts listed above have violated this standard by reporting incomplete or inaccurate data. XXXX. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under this section : * If information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency is required to : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion of the inaccurate data. 3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or reasonably believe to be inaccurate to consumer reporting agencies. 4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person is not permitted to furnish inaccurate information regarding a consumer if they know or have reasonable cause to believe the information is inaccurate. I demand that the inaccuracies be corrected immediately, unverifiable information be removed, and prompt notification of actions taken be communicated to me. Failure to address these violations constitutes noncompliance with federal law and infringes upon my rights under the FCRA. Action Items : * Remove or modify all inaccurate, incomplete, or unverifiable information from my credit report as required by 15 U.S.C. 1681i ( 5 ). * Notify all furnishers of the corrections made to my file. * Provide me with written confirmation that these corrections have been completed. Thank you for your prompt attention to this matter. I expect a resolution and written confirmation within the statutory time limit outlined under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( TRANSUNION ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).
Product: Checking or savings account

Vystar blocked my card for misuse and can not even explain why. This is all what happened. 

I recd a letter from Vystar dated XX/XX/XXXX, stating that I was in the negative for 30 days, mind you I have only been in the negative for less than 30 days from XX/XX/XXXX. But the letter stated I was in the negative for 30 days from XX/XX/XXXX. I thought this was an error, so I chatted with a representative online and told them what was going on, they told me that you are in the negative because once you paid the previous negative balance off, the same day you went in the negative again ( I use XXXX XXXX ). So, then I spoke with another representative, I was told that I have to keep my account in the positive for 30 days before I can use XXXX XXXX, I am like, I don't want to use XXXX  but I need it for now, and then from there I kept getting the run-around and then I spoke with another rep, and I was told my card was blocked and I can not use it for 6 months. If I had been told that I would need to wait a day before using XXXX  again, I would of done that. Also, how are you going to say I am still in the negative for 30 days from XX/XX/XXXX to XXXX XXXX ( By the way this makes no sense ) when I paid the balance off. And I used it again that same day on the XXXX. When I paid the previous negative bal off within 2 weeks, that should have reset everything, Not continuing from the last time I was in the negative, which was paid off. And on the letter I recd, it says I was 30 days past due with the balance that I am in the negative with now. That makes no sense. It has only been 9 days as of XX/XX/XXXX. They also stated that they could report my account to a consumer reporting agency because of 30 days in the negative. But they would be false because my account is not 30 days in the negative at all, and they would be reporting an amount that is not 30 days past due. I feel like I am being bullied from the last time I reported them from an error with there system and XXXX. 

I feel like there is a lot of confusion and wrong doing.
Product: Credit reporting or other personal consumer reports

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, XXXX and EXPERIAN are reporting an inaccurate late payment for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30 day late payment notice posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, XXXX and EXPERIAN violating my federally protected consumer rights. To add to this I did not give XXXX, XXXX and EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, XXXX and EXPERIAN has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to propery investigate miy disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt for Citation Number XXXX Dated XX/XX/1990 in the amount of {$1300.00} has been resolved. I contacted the court regarding this matter and was told that the debt had reached the limit for status of limitations and was no longer collectable. I have received two letters from GC Services Limited Partnership threating me.
Product: Debt collection

When i turned XXXX my father had to put me on the lease from the apartments he rented from which was XX/XX/XXXX At the time i didnt have a job so he was paying everything and he started to get depressed and did n't want to work so i moved with my grandma. Well he ended up getting evicted so there was about XXXX that he owed. I got a job XX/XX/XXXX and have been working at the same job til now so i got a letter saying i needed to attend court for the eviction and pay the amount due and i had no idea what was going on! After asking my dad he ended up going with me and they told him to pay XXXX a month and they wo n't garnish my checks. After two months he stopped paying so i started getting garnished! After a while the garnishments stopped and i figured i paid it off but one day i looked at my credit report and seen that the garnishment was still on there so i gave the collection agency a call and the man said i quit my job which is how the garnishment stopped i told him i been working here for 4 years and i didnt quit so he than asked if i had the money to pay the full amount and i said no but how much do i owe? And he stated the full amount and what i paid which is XXXX so left over was XXXX but he added 8 % interest so i owed XXXX and he said that well unfortunately there 's nothing we can do about the interest and I was like why not you 're the one that stopped garnishing me it 's not like I quit my job or refuse to pay you guys so I said i didnt know that i owed money and he said well we sent it to ur dad and i said well he didnt get it either and he said yu expect me to believe the guy who wont even help yu pay this collection? I was like yea i do cuz i been paying it up until yu guys did n't send the paperwork to my employer and he said it wasnt his job to send the paperwork to my employer and if he sent it to my dads house than that is my job to do! So i finally got a letter XX/XX/XXXX with more interest for XXXX which he added more interest to
Product: Debt collection

XXXX XXXX, YOU called me again today XX/XX/year> at XXXX, despite you receiving my previous complaint on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX
Product: Debt collection

This debt hits the end of its cycle XX/XX/2025 Im putting in this request to have it removed from my credit report
Product: Mortgage

This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. 
Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. 
Regards, XXXX XXXX Former Loan # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ALSO DELETED BY XXXX NOT VERIFIED ) I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I believe you have me confused with a different person. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 

Because I am writing to you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX