23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am once again filing a complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX ) regarding the improper handling of my student loan account and the inaccuracies reported to all my credit bureaus. 

According to my XXXX credit report, my student loan account with XXXX is marked as closed and paid off. Despite this, I continue to receive statements from XXXX claiming that payments are still due. Additionally, other credit reporting agencies ( Experian and XXXX ) have not updated my reports to reflect the accurate status of the loan, causing potential harm to my credit standing. 

per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed as per XXXX, XXXX continues to report inaccurately to other bureaus, thereby violating provisions of the FCRA. 

Under FCRA, XXXX is responsible for correcting any inaccuracies once notified. My repeated efforts to rectify this issue have been ignored. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : False Representation, By sending me erroneous statements indicating outstanding balances for a paid-off account, XXXX has engaged in deceptive practices, violating the FDCPA. 

I have contacted XXXX to dispute the statements and requested a correction of their records to align with the paid-off status reported by XXXX. see attached correspondences. 

I have also filed disputes with Experian and XXXX to update their reports accurately.
Product: Debt collection

On or about XX/XX/2019 I contacted Contract Callers Inc in an attempt to settle a debt. My settlement offer was not accepted and I asked for clarification of the debt in written form via regular mail. I verified my current mailing address. Several weeks later I had received nothing and called again in an attempt to settle and also to receive verification of the debt. I was told that my original request had never been processed but that I would receive something in the mail shortly. Again, I received nothing in the mail and contacted the agency and told them I would like to dispute the debt as I never received any additional information about it. Approximately 1-2 weeks after this call my credit score dropped from XXXX to XXXX and now shows a derogatory remark that I attempted to dispute this debt. I requested written verification multiple times prior to disputing the debt and never received anything. This does not seem legitimate or fair whatsoever
Product: Credit card or prepaid card

Bank of America 's website is misleading. I paid my bill for both credit cards and it goes to one credit card. 

On one screen it says that I have an " Overdue payment '' on one credit card. On a second screen it says I have no payment due. In the bill pay tab it says I owe an entirely different amount. 

When I called the person tells me that a lot of people are complaining about the site. 

In the meantime they are charging all kinds of late fees and added interest. 

I have been having trouble with their website and every time they make an update its worse.
Product: Debt collection

I have written the company on two different occasions asking them to correct this error, XX/XX/XXXX and XX/XX/XXXX. This is company is trying to collect money from me that I do not owe. They have reported four different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company at my local venue and will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

This company sent me a check in the mail, I never squired about the loan or applied for it. I cashed the check and I contacted the company ( XXXX in XXXX XXXX ) I answered their questions and the first payment was due XX/XX/XXXX2016 and it is XXXX XXXX, 2016. I plan to pay them on pay day XX/XX/XXXX and these people have sent some big bald headed guy in a personal unmarked car to my house every single day for the past 2 weeks, even on Saturday! I am so uncomfortable and I feel they 've trampled on my personal home life by showing up at all times of the day and weekend. Touching my car to see if the engine is hot and looking into my windows and knocking on all my doors. I am a single mom and I am not okay with this! I have every intention of paying them. What makes me more upset is the loan was sent to me, I never once called an applied for a loan in any way shape or form and the XXXX page attached to the check did n't say anything about their communication tactics. It 's really awkward!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports
Product: Debt collection

I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

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 XXXXXXXX I looked at my credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681s-2 they are suppose to 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

I received 2 alerts this morning ( XX/XX/2023 ) from XXXX and XXXX that my credit score dropped, checked on both apps and found my Transunion score only dropped from XXXX to XXXX for no apparent reason. I immediately called TransUnion to find out why, I spoke with XXXX at XXXX and she said my report isn't available to her for some reason. She stated I must call the consumer relations team @ XXXX. I called and spoke with XXXX @ XXXX, and explained to XXXX my score dropped by XXXX points for unknown reasons. She verified my zip code and social security number, pulled up my report and stated there are no derogatory actions on my credit report. Therefore, she couldn't conclude why my score dropped. She informed me she'd have to escalate my complaint to the special handling team and someone from that team would contact me within 3 business days. My XXXX and XXXX scores remains at XXXX and XXXX respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX XXXX and Transunion that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX AND TRANSUNION are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...
Product: Bank account or service

Citizens Bank had a promotion that of you opened a new business account by XX/XX/XXXX with {$2000.00}, you would get a {$300.00} bonus by XX/XX/XXXX. I have not received the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDXXXX  Account # XXXX has violated my rights. ( LATE PAYMENTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an 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. 



In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. ( LATE PAYMENTS & CLOSED ACCOUNTS ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights ( LATE PAYMENTS & CLOSED ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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. 



In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. ( CLOSESD ACCOUNT ) 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

The Issue is with XXXX XXXX XXXX XXXX collections Agency..for ( XXXX XXXX XXXX. ) For Debts..They Suspended my ACCOUNT And Sent it To ( Experian To Removed from my Report.withen 30 days..I Need Your Help if You Can to get EXPERIAN To UPDATE My Report ASAP..I Need it off so I CAN Get A Apartment for XXXX move in Date..Experian must Be off My Report to do so..
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are two statements from XXXX and XXXX of XXXX. At the bottom of the statement it says total paid during Bankruptcy in XXXX was XXXX and current amount due was XXXX but the next statement says total paid was XXXX and amount due was XXXX. How did the amount increase that I owed? Again I am asking according to the freedom of information act related to your servicing of my mortgage loan. Truist/ SunTrust Mortgage INC. is asserting I was in Default in XXXX and was involved in loss mitigation. I will need a copy of any and all documents concerning this. I need a reproduction of paperwork that was sent to XXXX XXXX my former bankruptcy attorney or myself a complete list of everything that was sent concerning my bankruptcy. I dispute that I was ever in default and that I was on XXXX relief. I also am asking for you to please provide the following information the monthly principal and interest payment, and monthly escrow payment for each month since and including XXXX of XXXX. The total unpaid principal, interest in escrow balances up until today. List all fees, cost, charges, and expenses that have been added to my account since the origination of the loan. All of the fees, cost, charges, and expenses that have ever been added to my account, please list the amount, purpose, payment date if any, and recipient. List by amount, purpose, payment date, account name and account number for all and any mortgage payments which were credited back to me. I also request the person 's, the dates, of all my payments. When the person checked or adjusted. The account statement that you sent does not reflect any of this if there are any codes included in the information that you sent, please attach a complete list of all codes and provide a short description of each code in plain XXXX. I am asking for copies of any notices or arrangements made between Truist Financial and myself included not limited to Lost mitigation concerning the possibility of behind payments and the potential foreclosure.
Product: Credit card or prepaid card

Ive loaded {$100.00} on my Cash App Account and was Just Told Me Account Has Been Closed But I Was Told From XXXX  That The Funds Were Loaded Onto My Card Ending In XXXX. This happened on XX/XX/2020 Ive Been Trying To Reach Cash App Support But They Keep Telling Me My Account Is Closed I Just Need Help Retreving Those Funds .The authorities has been contacted due to the scam
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Information and Identity Fraud on ChexSystems Report Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone Number : XXXX Email Address : XXXX Issue : I am filing this complaint against ChexSystems , Inc. for failing to remove inaccurate and/or incomplete information from my consumer report, including items I have identified as related to identity fraud. Despite my good faith efforts to dispute these matters, ChexSystems has declined to remove the disputed information. Specifically, the disputed items include negative information reported by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX 

Background : I submitted a formal dispute to ChexSystems regarding the accuracy of the information related to accounts with XXXX XXXX XXXX and XXXXXXXX XXXX, which I suspect are linked to identity fraud. 

To support my claim, I filed an identity theft report with the Federal Trade Commission ( FTC ). Despite this, ChexSystems labeled my dispute as " frivolous or irrelevant '' and declined to address the issue adequately. 

I provided ChexSystems with sufficient identifiers, details, and evidence supporting my claim, including the FTC report, but they have not conducted a satisfactory reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 


Concerns : ChexSystems has failed to fulfill its obligations under the FCRA, specifically : a. Ensuring the accuracy and completeness of information provided in my consumer report. 
b. Conducting a reasonable reinvestigation of disputed information within the statutory time frame. 
c. Properly considering identity theft evidence provided, as required under the FCRA. 

The unresolved inaccuracies in my report, including those tied to identity fraud, have negatively impacted my ability to open new financial accounts and manage my finances. 

Supporting Documentation : I am attaching the following documents to support my complaint : Copies of responses received from ChexSystems. 
A copy of the identity theft report filed with the FTC. 


Declaration : I believe ChexSystems handling of my dispute, including their dismissal of identity fraud evidence, violates my rights under the Fair Credit Reporting Act. I respectfully request the CFPBs intervention to resolve this matter promptly.
Product: Credit card

A card that hadnt been used since XXXX was charged randomly in XXXX of XXXX. The card had only ever been used in BestBuy and was used at some diner and other stores. When I received the emails about charges due I called CitiBank to say I didnt recognize the account in XXXX of XXXX. I thought things were handled but in XXXX I saw my credit score drop for late payments. I called again to try and figure out what these charges were. It took speaking with several agents before I could get a clear answer. We reported the charges again. In XXXX I called back because my account was still being reported late. The agent I spoke with said the credits hadnt been appropriately applied for the marked fraudulent charges which was why the account was still reporting late. They then said they would add this to the review for the charges and it should remove the charges but the discrepancy wouldnt be reported to the bureau until the investigation was complete which could take 60-90 days. I am in the process of purchasing a loan and the continued failure on CitiBanks end to appropriately resolve this dispute for very clearly fraudulent charges has been impactful and disappointing. 

It is also worth noting I was told I would receive a replacement card and have yet to receive that though Id prefer the account just be closed at this point.
Product: Debt collection

I received a bill from Midland Credit management that i did not recognize so on XX/XX/XXXX I sent them a letter requesting validation pursuant to FDCPA 15 USC 1692g. I requested a Creditor/Debt Declaration ( a form was attached to letter ) documents and information and requested that they respond within 30 days or request the account be deleted and removed from my credit file and a copy of deletion request be sent to me. On XX/XX/XXXX I received another statement without validation or documents. Then on XX/XX/XXXX I received a XXXX envelope that contained another statement and pamphlet on debunking collection myths. I didn't know why they would spend money on XXXX without sending any documents. At this point i called them, and the 1st person i talked to claimed they had sent me the documents and information but it was sent to the wrong address even though they had my address, he said he will connect me to " regional support staff '' who said they sent me the information in XXXX  and said since i didn't get it he would send it to me again now, I told him no that at this stage I wanted him to remove the information from my credit file, and to cease and desist all communication with me. ( I still have the recording of the conversation ). On XX/XX/XXXX i again received correspondence from them dated after i asked them to cease and desist. So I sent another letter also requesting that they cease and desist, this time with a return receipt which they stamped XX/XX/XXXX ( although it was delivered on XX/XX/XXXX at XXXX XXXX ) And again, today XX/XX/XXXX I received some more correspondence dated XXXX XXXX. It looks as though they closed the account on XX/XX/XXXX and the information is still apart of my credit history as a closed account or collection account.