23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Check Resolution Inc . 
XXXX XXXX XXXX had represented in XXXX XXXX that they were a sovereign entity ( XXXX lender ) wholly owned and operated by the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX. The impression is that the company is licensed to do business in states where they have no license, as they are not subject to the state laws. This was sent to Washington XXXX which returned a decision that only the original {$1000.00} needed to be repaid, no fees or interest. Contact from National Check Resolution started XXXX XXXX, XXXX. With 2 calls : home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX 2 more calls : Home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX another call home ; XXXX XXXX. That is 5 calls in 3 days. They are claiming that the loan is valid, and have stated that, " the client has stated that you still do not respond to several notices that were sent to your residence. The file has been forwarded to our office for final recommendation prior to being processed on ( First was XXXX, Second was XXXX ). You do have a legal right to resolve your case. If you choose, yourself or your attorney can contact our claimants office at XXXX. '' On this I am not sure as to what the processing would be, and the second is that the records, if indeed a case might be, are not kept properly. This to me appears a scam as to the two different days as well as the threat of processing. Also to note, the last notice regarding anything on this was from Washington State XXXX as to XXXX XXXX not having a valid license in Washington State, and the amount to be repaid could not exceed the {$1000.00}. So as no notices, and the fact of the different dates, I do believe this may be a Phantom Collection. 
I have verbally told them not to call again until I get the Validation letter in the US Mail. They in return told me they would call back XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is lease and rental they have reported on all 3 credit bureaus inaccurate and incomplete information each time with no loan amount listed, inaccurate payment history, no monthly payment listed and they always make sure to add 30/60/90 days late listed on all of them they have reported three times on each credit bureau every time I dispute they change remarks or just add more inaccurate information yes I did default on the car one time but previous to that the first loan was paid and then the second one was refinanced this company work side by side with my job an auto sales company in which they are just bitter and mad that I defaulted during rough times they no longer finance our vehicles and it is because of my situation with them they are reporting false information to get back at me basically I would like to move past this to repair my credit but they wont report accurately and I wish for them to be removed from all three credit institutions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Debt collection

To whom this may concern, I received multiple calls from Zion Debt Holdings about a service I supposedly received. I told them multiple times I did not receive any service of XXXX XXXX XXXX. I do not know what this is never used any service of such. Please have them contact the correct person for this debt. Thank you in advance.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I lack information on this, and the company acted without consulting me.
Product: Mortgage

Chemical Bank sent a check from my escrow account to the wrong Homeowner 's Insurance provider, and my escrow account has not been credited for the mistaken transaction. 

XX/XX/2019 : Chemical Bank issues a payment of {$1500.00} to XXXX XX/XX/2019 : I switch Homeowner 's Insurance providers, from XXXX to XXXX XX/XX/2019 : XXXX issues a refund check for {$1300.00} for the cancelled homeowner 's policy. 
XX/XX/2019 : Chemical Bank issues a payment of {$1600.00} to XXXX ( the old Homeowner 's Insurance provider who no longer services me ) XX/XX/2019 : I deposit the refund check of {$1300.00} into my escrow account. 
XX/XX/2019 : I receive a letter from XXXX stating they have not received payment for my homeowner 's policy from my bank. I call Chemical Bank and the discover the original payment for {$1600.00} was sent to the wrong insurance company, XXXX. The issue a payment to XXXX for {$1600.00}. I am told to contact XXXX to about getting my money back. XXXX have no record of the payment associated to me, stating that the money would've come over in a larger check, associated with many policies, and have no record of anything for my account. I call Chemical Bank back, and they tell me they'll look into it and call me back. They never return my call.
Product: Credit reporting or other personal consumer reports

I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time.

I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight.

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.
Product: Checking or savings account

XX/XX/29 i was charged a {$3.00} fee for non paperless statements. Since they don't give me the option to choose paperless to open my account, it seems like a scheme to earn fees dishonestly. I'd like a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency and original creditor are in violation of my consumer rights. 
Account name : XXXX XXXX XXXX Account number : XXXX. The balance on this account is inaccurate. My limit was {$300.00} but my balance is reporting as {$500.00}. How can this balance be correct when my limit is only {$300.00}? Also the original creditor and the credit reporting agencies are continuing to report this account as charged off month after month for 13 months after the initial charge off.date. An account can legally only be charged off one time. Once the account is charged off there should not be any updates to the account per FCRA rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died on XX/XX/2020. We had a joint checking account at Capital One. I husband had 2 credit cards with Capital One. The credit cards were closed soon after my husbands death. I paid the the balance off on the agreed amounts to settle the credit cards 2 months ago. Capital One continues to collect {$300.00} at the beginning and end of each month. I have been unsuccessful in stopping this action. I have been told that these allotments were set up through Capital One Bill Pay. I have tried to stop Bill pay on online. I have spoken to several representatives. No one seems to be able to solve this problem. I have even faxed them copies of the checks and a receipt indicating that the loan is satisfied. 
I need reimbursement for the funds that were deducted after the credit cards were paid off. 
Please help. I am grieving the loss of my husband of 47 years and he served our country for 26 years in the XXXX XXXX. 

Please help. 


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

I sent a letter to Trans Union Credit Bureau XX/XX/2019 asking them to remove a bankruptcy from my credit report because it's against the law to report this information they've obtained through a third party known as XXXX XXXX. Their response was they verified the information and refused to remove it from credit report.
Product: Mortgage

NVR Settlement Company forgot to pay my insurance policy in XX/XX/year> XXXX. My policy was cancelled without my knowledge, and I had to pay a premium to get new coverage because of non-payment. Bill went from {$280.00} a year to the new bill {$620.00} a year. They did nothing to assist with this issue. They forced me to give money at settlement for this then did not pay the bill!
Product: Credit reporting or other personal consumer reports

My credit reports are showing a late payment error from Bank of America. I never been late on any of my statements with them. This late payment error is bringing down myXX/XX/XXXX score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.
Product: Mortgage

I currently have a loan through pnc bank and because my insurance was through escrow and I had high risk dogs at my home the insurance company told me to get rid of dogs or pay a premium increase. I told insurance company I got rid of the dogs. And they still sent a bill to my mortgage company in the amount of XXXX without me knowing. So my monthly payment went up from XXXX to XXXX and then I contacted a company for modification. And they stole my money and ran and told me not to contact my mortgage company they would deal with everything. Well months later I find out my home is in foreclosure and tried getting a modification and Heep getting denied ... ..I will do anything to save my home. It means the world to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX  again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX  XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurately. I did not authorize the Inquiry of XXXX or US SM BUS ADMIN ODA. 

XXXX took place on XXXX US SM BUS ADMIN ODA Took place on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted to XXXX copies of fraud complaints filed in XXXXXXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, XXXX fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of Capital One and previously sent to XXXX and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

Capital One balance is at zero and XXXX refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.
Product: Credit card

I was XXXX last year and I was late on a payment or two, I also attempted to pay the account in full but the payment was returned. however my credit limit was XXXX and they changed it when the payment was returned to XXXX dollars which made me well over the credit limit and that is not fair, i have called them on muiltple occasions to correct the problem and they did absolutely nothing. it is hurting my credit score bad! also the APR i about 25 % and im a XXXX XXXX XXXX. I have had a decent payment history with them i had the card since about 2019. I have enrolled on a payment plan which they told me my account would be forced current now all of a sudden my account is closed and none of their employees have did anything but tell me a generic answer and help to fix the situation.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - XXXX 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 XXXX EXPERAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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: Payday loan, title loan, personal loan, or advance loan

I went on the money lion website and started to set up an account then realized what it is and tried to delete it and it would not let me! I did not take a loan I just got part of the account set up had added my personal information and attached my bank account! I then deleted my bank account yet they had already pulled information from it showing my balances and today after three requests to them to close the account they again sent an email showing bills I paid recently!! I told them I would contact you, the IL Attorney General and FTC if they did not delete my account and information and they ignored me!! Please forward a copy to these other regulators and enforce the laws!!!
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 can not furnish an account without my written instruction 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.

For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMO Harris Bank , N.A . bills me for a car I did NOT buy and do NOT own and have NEVER owned, and BMO Harris Bank , N.A . has put this IDENTITY THEFT charge which I do NOT owe into my credit reports at every credit bureau ; BMO Harris Bank , N.A . needs to immediately and permanently stop sending me bills for this account which I do NOT owe, and this bank needs to immediately and permanently remove this false charge from my credit reports at every credit reporting bureau!
Product: Credit card or prepaid card

Attempted to initiate an online billing dispute with Citibank Sears Mastercard for a purchase datedXX/XX/XXXX, {$48.00}, merchant XXXX XXXX. Instead, of starting the dispute process, the bank initiated a letter dated XX/XX/XXXX, claiming that they can't process the dispute claiming " services were provided ''. In fact, this was not processed correctly, as I have disputed food purchases in the past with other major banks and the billing dispute was processed. Rather, the individual who processed this dispute was not versed/trained in processing billing disputes adhering to Federal Billing Dispute Guidelines.

Reason for Dispute : Received food delivery of stale/improperly prepared food that could not be consumed, attempted to immediately, rectify matter with merchant by calling and speaking to XXXX, who in turn put me on hold and than disconnected me.

***This is no way to treat a customer since XX/XX/XXXX who has had slim to none in the way of billing disputes***
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification from XXXX XXXX about a hard inquiry on my credit report. I have not authorized any creditors to access my credit history. I believe the inquiry in question was supposed to go on my father 's credit not mine. We share the same first name but that is all. The company in question is XXXX. He applied for a contract with them this week. XXXX assured him that his credit was checked using his social security number. Somehow, it ended up on my Equifax credit report. It has not appeared on XXXX report yet.
Product: Debt collection

Per Equifax I have no collections but they are reporting that I do I have disputed the collections with proof stating Equifax says I do not owe and they will not remove them from my credit report