23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Vehicle loan or lease

Bank of America is reporting a wrong address and balance to XXXX. I have tried over 5 months to have XXXX and Bank of America correct the issue ... and my credit report still shows the wrong address and balance. My address with this Bank of America auto loan account should be : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The balance should report Paid in Full, {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an inquiry on my credit report on XX/XX/2022. 

I submitted a letter to the credit bureau regarding this inquiry that showed up on my credit report. 

I explained to the credit bureau I did not authorize this inquiry and that I had reached out to the company regarding this matter to remove it off my credit report. 

The company did not remove the inquiry and that's when I contacted the credit bureau. 

Unfortunately, the credit bureau did not remove the inquiry and advised me I would need to reach out to the company. 

At this time I'm hoping you can assist me with this issue and help me to get this inquiry off of my credit report. 

Thank you
Product: Debt collection

I am writing to you about the succeeding Synchrony accounts : 1.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 
2.SYNCB/AMAZON # XXXX, opened date XX/XX/XXXX, limit {$3000.00}. 
3.SYNCB/CARE CREDIT # XXXX, opened date XX/XX/XXXX, limit {$5300.00}. 
4.SYNCB/MENS/WEARHOUSE # XXXX, opened date XX/XX/XXXX, limit {$4000.00}. 
5.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 

I have suffered Damages : emotional stress, denial of lines of credit, high interest rates, etc. due to this situation. I want the items off my report. My demand is based on the following actions committed by the company : Inconsistent information across buraus : Different amount of late payments. This has caused a big negative impact in my credit score, Failing to send the required notice by mail about negative information reported, etc.
Product: Credit card or prepaid card

I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. On XX/XX/2021 Navy Federal Credit Union received a letter from me stating '' I am invoking my specified remedy as a consumer, and the original creditor, requesting Documentary evidence that Navy federal was in fact the holder in due course. '' along with ceasing any attempts to collect any alleged debts. NAVY FEDERAL NOT ONLY FAILED TO PROVIDE DOCUMENTARY EVIDENCE, NAVY FEDERAL CREDIT UNION ALSO CONTINUED TO CONTACT ME, COMMITTING MAIL FRAUD, ALONG WITH CLOSING MY ACCOUNT IN XXXX. Which places NAVY FEDERAL CREDIT UNION in violation of 12 CFR 1026.13 ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. NAVY FEDERAL NEVER RECEIVED EXPRESS WRITTEN CONSENT FOR ME TO CLOSE MY ACCOUNT. I also have a voice recording of Navy Federal Credit Union representative stating that received my letter XX/XX/2021. I also have evidence of Navy Federal Credit Union violating 15 U.S. Code 1692c. Navy Federal has also violated 15 U.S. Code 1681 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeany authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Leading to a violation of 15 USC 1692d ( 1 ). Any bad debt furnished on your reports is ruining your reputation, and it is defamation of character. 
This is just a few violation Navy Federal Credit Union has abused me with. I will be sending mail along with evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to XXXX. It is not on Equifax. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX my date of birth is XXXX. I have reached out multiple times to Equifax about the fraud alert that is continued to stay on my consumer report. I was given multiple confirmations that the fraud alert was removed off of my consumer report. I have reached out multiple times I was given this confirmation number after speaking with a representative by the name of XXXX conformation XXXX XXXX was to remove all indicators and blocks on my consumer report. I recently reached out to XXXX XXXX, also to my credit union and other lending institutions, which say that there is no file whatsoever that comes up. My file has been completely blocked out and in which where there is no information that is given to potential lenders under the fair credit reporting act 15 USC 1681B permissible purpose I have not given Equifax consent to place a fraud alert on my consumer I spoke with the representatives and after speaking with them, no one seem to understand how to remove this fraud alert from my consumer report. I have asked them to investigate multiple times in which they violated 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.
Product: Credit reporting

In 2013, I disputed with Equifax Account XXXX XXXX with Equifax based on a plethora of inaccuracies. As expected, the item was deleted from my credit report. However, recently I have noted that Equifax has re-inserted this previously deleted item. As well, Equifax failed to provide timely notice to me of this action taken as required by the FCRA 611 ( 5 ) ( B ) ( ii ). Attached is the dispute results from 2013 which indicate the item was previously deleted.
Product: Credit card

I had to file for XXXX XXXXXXXX Bankruptcy back in XXXX due to the housing/economic crash. Since then, I have restored my credit, it currently sits at over XXXX score and I have a credit card from pretty much every major bank/institution. The problem I have is with American Express. I have applied for several of their cards recently but they keep denying me because I included XXXX of their cards in my backruptcy, almost XXXX  years ago. At this point, I feel that I am being discriminated againt because I have sent them copies of my credit reports that reflect the discharge of the bankruptcy which is no longer in my record ( hasnt been for year ) but yet they tell me it is up to their discretion to re-issue a card.
Product: Bank account or service

I opened a checking and savings account with PNC in XXXX XXXX when I began working for a company called XXXX in XXXX MO. I had my payroll check automatically deposited into my PNC checking account. In XXXX XXXX, I closed both my checking and savings account with PNC, and on Thursday, XXXX XXXX, PNC sent my my final bank statement and I was surprised to see XXXX accounts that I had NOT opened in my name, A Premiere Money Market Statement and a Interest Checking Statement with a different account number that I had with PNC- ( all docs are attached! ) The XXXX account that I was familiar with was my checking/savings account that ended in : XXXX The money market account that I DID NOT OPEN OR AUTHORIZE ends in : XXXX The Interest checking account that I DID NOT OPEN OR AUTHORZE ends in XXXX
Product: Debt collection

AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting. By reporting a debt to my credit Ad Astra Recovery is in violation of the FCRA
Product: Payday loan, title loan, or personal loan

I was denied an extension of credit by XXXX XXXX XXXX. On XX/XX/2022 I submitted a personal loan application through XXXX and was sent an Adverse Action on XX/XX/2022. The letter from XXXX XXXX XXXX  is proof and evidence that I have been discriminated against. XXXX XXXX XXXX  has violated my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX OPENED XXXX XXXX XXXX XXXX OPENED XXXX XXXX, XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX opened XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX opened XXXX XXXX, XXXX, XXXX opened XXXX XXXX, XXXX, XXXX opened XXXX XXXX, XXXX, XXXX XXXX opened XXXX XXXX XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX OPENED XXXX. XXXX, XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX  on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX  with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

2021 i settled the credit card payment with credit report, but credit report have not deleted the report our my credit report.
Product: Debt collection

debt was paid and yet this collector still reports the debt on all three reporting agencies. please delete info as it has been paid
Product: Debt collection

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 : CASCADE CAPITAL FUNDINGXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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.

Delete these Accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I, XXXX XXXX XXXX declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX  XXXX : {$7600.00} Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$17000.00} : Open : XXXX XXXX, XXXX State Employees Credit : {$3200.00} : Open : XXXX XXXX, XXXX XXXX  XXXX  XXXX  : {$400.00} : Open : XXXX. XXXX, XXXX XXXX  XXXX  XXXX  : {$320.00} : Open : XXXX XXXX XXXX XXXX  : {$500.00} : Open : XXXX XXXX, XXXX XXXX Systems : {$260.00} : Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$180.00} : Open : XXXX. XXXX, XXXX XXXX XXXX : {$83.00} : Open : XXXX. XXXX, XXXX Hard Inquiries : 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 I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called XXXX and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX XXXX XXXX XXXX XXXX # XXXX. I have even sent XXXX copies from XXXX showing that they have this account reported accurately as paid satisfactory and that XXXX keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.
Product: Debt collection

A collections notice on my credit report was reported to the credit bureaus on XX/XX/20 by Capital  Accounts. Unbeknownst to me, I was unaware of any such claim or attempt to collect a debt, and I never received any documentation from Capital Accounts stating I could dispute the collections claim or was I granted any proof of bill or records showing proof I was delinquent in payment to the original creditor. I do not owe any past due debt to the creditor. 

I disputed the collections notice on XX/XX/2020 with each separate credit bureaus and requested for Capital Accounts to submit proof of bill and any records validating their fraudulent claim. It has been nearly 60 days and I have yet to receive any notification of proof from Capital Accounts. I have attempted to reach Capital Accounts via telephone and receive their automated voice message. My most recent attempt in communication with Capital Accounts is XX/XX/20 and I have phone records to indicate this attempt. 

Upon investigating my account number on Capital Accounts website, under their records for my account they have my fathers private XXXX telephone number listed as my phone contact and my mothers personal email as my contact email. They have fraudulently stalked my family members personal information and have used this information to attempt to collect a debt from me that they have not provided any proof or validity of their claim. 

Capital Accounts is in violation of Fair Credit Act and Fair Debt Collections Practices Act. My parents are elderly and Capital Accounts business practices has caused my family great XXXX XXXX  with fear of potential identity theft being acted upon by the company. 

Capital Accounts has also begun to fraudulently add interest to the debt of which they have not provided any proof of records or billing from creditor or was I given due-process to dispute the collection claim, amount or validity prior to the credit bureaus being alerted. There is no contract or record of agreement from the creditor stating that interest will be accrued and Capital Accounts can not keep adding fraudulent charges that increase on my credit report. Capital Accounts is in violation of Fair Credit Reporting. 

I will not be a victim to Capital Accounts misuse of debt collections and practices.
Product: Mortgage

On XX/XX/2024, we lost our home to a tornado. XXXX XXXX  used to have our mobile home loan but sold it to select portfolio servicing. Because they are our mortgage people ky lawbmade us send our whole check of XXXX to the company. We overnighted the check to the payroll dept. Along with the paper the company had sent us with payoff amount. This was XX/XX/XXXX they received the check. We are on a fixed income and did not have the XXXX that was owed for payoff so we had to send the whole check. They cashed the check on XX/XX/XXXX according to our Adj. Office. They have kept the money, not paid off the loan and are still taking house payments out of our checking account. We have since received a new payoff amount of XXXX which is good until XXXX XXXX. They claim to have sent us the check back on XX/XX/XXXX but still no check but I can receive other papers from them like the payoff amount and our monthly statement. Every time I call, they tell me they will check into it and it will take several days. I have turned this into the XXXX. They replied but still did not resolve the situation. Still no check. Please look online at all the complaints on this company. They are taking advantage of a lot of people. Please help us to find a way to get our money back and them paid off. We are on a fixed income and have no money for another home. We should be getting back XXXX instead they have it all and our house payments fo a home no loner here.