23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Filed the administrative process outlined by the Bill of Exchange Act, Federal Reserve Act sect 16/29 and XXXX. This is the proper way to discharge a debt. They failed to respond to my numerous certified and notarized letters. They are now in default and they should comply with the instructions given in the letters. They have received a certified XXXX XXXX XXXX letter. They still choose to ignore and violate my rights anyways. They still are harassing me by call me on the telephone twice so far.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX XXXX. During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. XXXX XXXX XXXX purchased the account from XXXX after bankruptcy was filed. XXXX  claims loan was reaffirmed, it was not. Caliber keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " Reaffirmed ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted XXXX on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. XXXX said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that XXXX XXXX XXXX, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
Product: Checking or savings account

On XX/XX/XXXX, I opened Bank of America XXXX XXXX Banking Account after seeing an account opening bonus of {$100.00} online. Below are the bonus terms. 

I completed all the requirements but have not received the bonus yet. I called Bank of America. They told me that the offer was not valid, and they never had such offer. They were not willing to try other ways to fulfill the terms. 

Terms details : Open a Bank of America XXXX XXXX Banking XXXX Bank of America XXXX XXXX Banking XXXX Bank of America XXXX XXXX Banking checking account online. Use the code XXXX when enrolling. XXXX {$25.00} to open an Advantage SafeBalance account or {$100.00} to open an Advantage Plus or Advantage Relationship account. Receive qualifying direct deposits of at least {$1000.00} within the first 90 days of owning the account. Your account must be open and in good standing to receive the bonus. Additional terms and conditions apply. See offer page for more details.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Debt collection

My rights have been violated repeatedly. I can not receive a home loan because of these alleged accounts that are reporting negatively by the CBE Group. a medical debt collector that is currently reporting XXXX collection accounts on my credit report. I have made disputes with the CBE group and with the XXXX bureau 's. The supposed investigation claims the debt is verified. 
I have had my credit report pulled three times in the past three months. Each report contains the same errors. 
For example : Alleged Account # XXXX " opened '' XX/XX/XXXX meaning the alleged account was opened XX/XX/XXXX. 
When I call the CBE Group they do not have record of an Account Opened date. They have a " SERVICE DATE ''. not one of the XXXX credit bureau 's have a " SERVICE DATE ''. CBE should n't be able to put information in what ever section they think is right or might go. 
And the " DLA '' date of last activity. Can not predate the " opened '' date. Any account must be opened before it can have activity on it. I have explained this to the CBE Group and to the XXXX Bureau 's.
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 section602 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 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 and purpose.
Product: Money transfer, virtual currency, or money service

I received a job application through my university ( XXXX XXXX University ) email account from a student email. The email pretended to be XXXX with an attached screenshot of what the job entitled ( I have the screenshot of what the job was that was included in the email. I will attach it below ). I took the job thinking it was real since the school let it slip through their security and there wasnt any warnings. The scammers emailed me a check of {$3500.00} and told me to deposit it into my account. When the money was available, they said I needed to go out and buy supplies for orphanages. Then they quickly changed that and said the orphanage did not want any outside help due to the pandemic and asked if I could XXXX the money instead. I Zelled {$3000.00} to one person and they told me to keep the extra {$500.00}. Then they sent me another check and asked me to do the same thing. This time they asked me to XXXX someone {$2000.00} and XXXX someone else {$1000.00}. Unfortunately, I fell for it and then realized it was a scam when they asked me to buy gift cards for them. I immediately cut them off and contacted XXXX and my bank who said they would file a claim. XXXX said there was nothing they could do and said I lost {$2000.00}. My bank ( Wells Fargo ) filed a claim and said it would take 10 days to let me know. 14 days went by and I heard nothing until I called them to ask about an update. Wells Fargo said my claim was denied, yet no one had emailed me or called me to let me know. I lost {$7000.00} that I never even had and no one helped me. My account was at- {$6500.00} for weeks. I have filed multiple claims and I have received nothing and no help.
Product: Debt collection

I 've been consolidating all of my credit card debts through  XXXX   XXXX   XXXX  ' for the past 5 year s (  Starting  XXXX   XXXX  ). They have taken  XXXX  active accounts, not in collections, and negotiated settlements on all  XXXX  accounts.  XXXX  accounts have fully been paid off through the program, and the  XXXX  account was cleared for its final payment to  XXXX   XXXX   XXXX   ( Supposed t o clear  XXXX   XXXX  ). At the time of the final payment, the account  (    XXXX    XXXX   XXXX   ),  switched hands to a company called 'Northstar  XXXX . Northstar decided that they did n't want to except this final payment, and instead wanted to renegotiate the entire account. During this time when  XXXX   XXXX   XXXX  was dealing with these demands, the account continued to stay unresolved resulting in continues monthly withdraws out of my person bank account. The withdrawal exceeded my settlement by {$600.00}. I have continuously been calling  XXXX   XXXX   XXXX , for almost a year now, to check the status on the final payment. When finding out there had been no resolution to this account, I then had to call in every month and place a deferral on my account in order for  XXXX  to not take the payment out of my account. After getting no communication on the final payment that was made to  XXXX   XXXX   XXXX , I called in and asked to speak to a superviso r (  XX/XX/XXXX  ).  They transferred me to a man named  XXXX .  XXXX  explained that  Northstar  was committing a federal offense. He said that when he tried to send the final payment to Northstar they never cleared the payment. He said that they were refusing to except the final payment because they wanted to renegotiate the settlement.  XXXX   XXXX   XXXX  expressed that they have never dealt with this kind of situation before.  XXXX   XXXX   XXXX  also filed a complaint through the CFPB but said that they have not heard back from you, and that I should file a complaint as well to get this ball rolling. I have been trying to get this account settled for a year now. During this year, I have not been able to finance anything. As per my agreement with  XXXX   XXXX   XXXX , I am not able to take out any loan until all accounts are closed through them. I need this settled resolved as soon as possible. I will be attaching receipts that include clearance of payment for all of the payments made for the   XXXX     XXXX   XXXX  account. The final payment that I made to clear the account was a triple payment of {$900.00} and will not have a receipt attached due  to NorthStar not  clearing the payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : 1. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
2. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to use Experian 's online facility to obtain my credit report. I am prevented from using XXXX web site because I live in XXXX. 

i could not speak to a human about my problem and the web site asked for a XXXX  address. I HAVE NOT lived in the XXXX for the last 15 years. Nowhere did i have the opportunity to enter my XXXX address before I was told that the report would be mailed out. WHERE? To a place where I have not lived in the last 15 years? Is this only for XXXX residents? I AM a native born American with credit in the XXXX to protect! 

I wanted to use the Experian web site because my social security number would not have to travel thorough foreign mail, and avoid long mailing times to/ from Experian XXXX My credit report should NOT be sent to a XXXX address only, especially when I haven't been there in the last 15 years. There is NO provision for me to enter my correct address on the Experian web site. I think Experian doesn't care aboout my correct address - only records in the database which have XXXX states and zip codes.
Product: Credit card

My credit card was billed {$100.00} by XXXX. I contacted the credit card company to dispute the transaction. The {$100.00} was for a subscription for monitoring of XXXX security cameras that I purchased from XXXX XX/XX/2022. The cameras were stolen shortly afterwards and I cancelled the subscription XX/XX/2022 with XXXX. No refund was given for the unused portion of the monitoring. I changed my credit card number immediately after notifying XXXX. I never had interaction with XXXX nor anyone identified as XXXX. The fraudulent transaction should not have been billed to my new card by the credit card company. I believe credit card company employees are scamming senior citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report with Equifax. I went online and used my email account and password. The computer said it was invalid. I used their phone number. The computer said they were unable to verify my information. The computer voice said I could fax them a letter. I prepared the letter with the information they required. The fax number they gave is no longer in service. There is no way to contact Equifax to get my credit freeze removed.
Product: Mortgage

My home is going to be sold XXXX/XXXX/XXXX. I have been unable to get a modification for several years! I was in so many words, duped and a victim of predatory lending! My loan has changed more times than I can count. I worked seasonal for over 10 years and asked for a modification for my lay-off months and was ONLY adjusted by {$100.00}! In XXXX I became ill with XXXX and lost my job due to DOT requirement 's! I was Still UNABLE to get and adjustment or modification! I was paying {$900.00} for a XXXX bedroom that was listed as a XXXX for 6yrs. When they were notified NOONE seemed to do ANYTHING on my behalf! I just had to BITE the difference! Having SERVED my country, I now wonder several thing 's about the treatment of it 's veteran 's. If NOTHING ELSE, EVERY veteran SHOULD OWN A HOME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account referred to the collection after the payment arrangement agreement. Monthly payments paid as agreed {$35.00} monthly. The collection agency stated that XXXX XXXX said the agreement had a final payment date if not paid in full by that date report to the collection company. I made payments monthly as with Americollect but the representative stated that with the date they had to report it to all the credit report companies which as effective my score by XXXX points. I have all exceptional on my report and now this referral has hurt my perfect scores. I paid the account off in full with Americollect this morning XX/XX/2021 and another account that was recently added to Americollect without even been notified so I paid that account off as well in full. I want this removed from the collection agencies and my score reinstated. XXXX XXXX should be investigated on how the Fair Debt Law applies to consumers/ customers especially sick patients.
Product: Debt collection

First of the company that is reporting the debt I never had a relationship with. I never rented from this company do not even know anything about this company. It says that I was evicted I was not I gave a 30 day notice to move out in XXXX. A big confusion had happened with me and the office about a parking spot I was paying for. I moved out I was on a month to month lease not even on a year lease anymore. If you look at the paper work I had credits that was added that should have been deducted instead it was added as a debt. On the website its states that my balance is XXXX. On my credit report its says that this was opened in XXXX of XXXX false information I moved in in XXXX. The reporting company Im not familiar with at all. How can they collect on something they have no part in.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the companies associated with these accounts, and they have acknowledged the fraudulent nature of these accounts. They have assured me that the accounts will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 



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

Equifax, XXXX, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4XXXX XXXX service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different credit amounts {$3600.00} and {$1800.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for loans and getting turned down. I realized on my XXXX credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  They alos show XXXX XXXX XXXX XXXX  and XXXX XXXX under Collections. 

XXXX is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

Experian is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.
Product: Debt collection

Caller calls atleast 30 to 50 times a day, repeatedly