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

I am writing to express my dissatisfaction with the handling of my previous requests to remove fraudulent items from my credit report. Despite multiple attempts, these fraudulent entries persist, causing significant distress and potential harm to my financial reputation. 

I have diligently followed the procedures outlined by your agency to dispute inaccurate information. However, despite providing ample evidence of the fraudulent nature of these items, they continue to appear on my credit report. 

These inaccuracies have serious consequences for my financial well-being, affecting my ability to secure credit and impacting my overall creditworthiness. Furthermore, the persistence of these fraudulent entries reflects poorly on the credibility and reliability of your agency 's reporting processes. 

I urge you to take immediate action to rectify this matter by thoroughly investigating each disputed item and promptly removing any fraudulent entries from my credit report. I expect a timely response acknowledging the receipt of this complaint and outlining the steps that will be taken to address these issues. 

Please understand the urgency of this matter and the importance of restoring the accuracy and integrity of my credit report. Failure to resolve this issue satisfactorily will leave me with no choice but to seek legal recourse to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Please See Attached Documents for additional information that was requested by the Credit Reporting Agency.

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.
Product: Credit card

I signed up for the TD Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as " not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a " merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined.
Product: Credit reporting or other personal consumer reports

I have made deferred payment agreements to pay on my car, credit and personal loan which came to {$320.00} with navy federal, which i paid over the phone with a representative on XX/XX/XXXX and XX/XX/XXXX and they still reported on my credit report which is false. I never had payments late to even report to the credit bureaus. I spoken to the supervisor which directed me to file this report due to they did not understand why it reported since i did pay in a timely manner. I also have a recording of them not knowing who could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services indicates that I opened an account in XXXX of XXXX. At this time, I was working in the XXXX since XXXX, XXXX XXXX for the poor fishermen of a small remote island, destroyed by a Super Typhoon. When I returned to the United States in XXXX, I had recently had a XXXX XXXX in the XXXX, and returned to the U.S. to recover. It was at that time that I was notified that Discover had attempted to collect a debt that I knew was not mine. I sent a letter to Discover in XXXX of XXXX, notifying them that this was not my debt, but was likely my son 's, who was also XXXX XXXX XXXX, and had been living in my home at the time the alleged debt began with Discover. My son has been suffering with extreme XXXX, and XXXX  use from his XXXX XXXX XXXX XXXX. 

I noticed that Discover is still listing this debt as mine, and shows that the account is open with a balance of about {$1500.00}. This reflects on my credit report as open, with the balance still open and active, though Discover also shows the debt charged off in XX/XX/XXXX. 
Discover never replied to my request to validate this debt as mine, and not my son 's. I asked for a signature on a contract, and copies of the original debt, but I was never given these documents by Discover. 

This debt is now affecting my ability to obtain medical coverage and prevent me from getting the care I need for my XXXX XXXX. 

This debt is also indicated to be seven years old, and should have been removed from my report, by this time.

I am asking that Discover remove this debt from my record and stop showing that the account is still open and the balance each month is reported as open and collectable in my name. I want the status changed and removed immediately from my credit file. You can attempt to collect this debt from my son.
Product: Vehicle loan or lease

XXXX XXXX sent notification that my account was closed XX/XX/ 2018. Since, they have acted fraudulently, lost payments, misapplied payments, and delayed the final payment of a XXXX insurance claim, and charged added interest during the process. The company actually owes me over 600.00 dollars, and continue to stall the process avoiding due payout. I have spoken endlessly with various " managers '', and have had to repeat facts which apparently are not actually responsibly documented. 
XXXX XXXX failed to act ethically, and made no bones about the excessive hours and iterations of the same problems without consideration for the corrupt records, or the future errors and effects that would have on my near perfect credit. I will never deal with this company again, the administration is confused and act irresponsibly with regards to client accounts. They can not be trusted. 
I would attach files, but the record of XXXX is too thick to manage in one PDF
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit reporting on a regular basis, and received alerts of hard credit report inquiry pulls for different institutions at the big three credit reporting agencies ( CRA ) ( XXXX, XXXX, and, TransUnion ). These applications were for new credit cards. I put a freeze on all three of my files, as well as a fraud alert. I contacted the financial institutions to let them know and file a fraud dispute for the applications and hard credit pulls, and I contacted each CRA to dispute them. TransUnion was the only entity that refused to open a fraud investigation related to the fraudulent application received by XXXX XXXX XXXX. There were no issues with XXXX XXXX XXXX starting a fraud investigation on their end. TransUnion stated that I had to submit my fraud dispute in writing AND I had to get a letter from XXXX XXXX XXXX on their letterhead and submit it in writing as well agreeing with the fraudulent application. OR, I had to file a police report and submit that with an affidavit with my written fraud dispute to TransUnion. I understand following up in writing, but I dont understand how it is correct or reasonable for myself to acquire third party paper letters, file police reports, etc., to submit at the same time for TransUnion to even start a fraud investigation into the hard credit pull. When I asked the TU agent to escalate the issue and if I could speak with a supervisor or manager about my concerns, the agent said none were available and thats the way it is. The date of the fraudulent hard credit pull at TU from XXXX XXXX XXXX was, Sunday, XX/XX/2021. TransUnion is the only institution that I had any issues with or that refused to initiate the fraud dispute or require third party paperwork. Im the fraud victim. I saved all the screenshots of my online chat with TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  After reviewing my credit profile. The payment history is inconsistent amongst all 3 bureaus from XX/XX/XXXX until XX/XX/XXXX. XXXX is verifying on time payment for some months that XXXX XXXX XXXX is showing late. How was this account verified?

How can all 3 bureaus show different payment history for 1 account? This is a violation of FCRA laws and my consumer rights.\ Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Debt collection

My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX I learned about this debt under my name and social security last year when I was served with papers for a court hearing regarding the debt owed. After calling several locations because the account was sold to 3rd party collectors, I was informed this debt was for medical cosmetic XXXX in which I have never had any cosmetic XXXX done nor authorize such. They informed me that someone has been paying on this account, I immediately asked them where were the payment coming from and if there's any way tracing those payments. They also provided me with a different mailing address other than my home address that the invoices were being sent, I again asked them if they can trace this. I appeared in court XX/XX/XXXX in which and advised them this is not my debt and did not authorize this account to be open, never signed anything, do not know of this account until I was served at my residence place. The paper for the court hearing were sent to the correct address, however who ever used my identity was paying the balance from a different address and then stop paying which I know nothing of until I called and was provided with all this information. Credit Solution who is representing the company in which I do not even know their name indicated in court that they will look into this and contact me. Never heard back from them and received again a court hearing for XX/XX/XXXX in which I attended and finally spoke to to their representative and provided them with all my detail information, and an additional court date was set by the Judge for XX/XX/XXXX to give the Credit Collector time to investigate. They submitted a form by mail and I filled it out and sent it back. I recently receive a letter from them indicating that I do not qualify, not sure what this means. However I have court on XX/XX/XXXX and was not aware that I can file this ITR with the FTC so they can also further look into this, so I'm in hope that you can help me. If you can please further assist in this matter, so I can be prepared in court that I have tried to resolve this, since Credit Solution is not willing to understand that my Identity was stolen from me without authorization, I have provided them with all information that they were seeking and have attended every court hearing. I honestly feel that they did not further do they part in properly investigating this matter as the Judge gave them a time frame.
Product: Debt collection

I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. 

Therefore, because I am disputing this debt, it should not be reported to the credit reporting agencies.
Product: Debt collection

I enrolled in an online class in XXXX, and the loan was through XXXX XXXX for around XXXX. I was unable to finish the class. I contacted XXXX in XXXX to pay the loan or come to so type of agreement. An agreement was reached or at least that was what I thought, the company withdrew the amount I agreed to pay five times within three days. Since this time I have not been able to reach any type of agreement with this company. 

Now they are reporting on my credit report as an open account in the name of First Associates, and reporting late payments every month since XXXX. The interest has risen to XXXX and the fees add up to XXXX bringing my closed account up to XXXX. 

I need help to get this company to report the right status and right account on my credit report because of their negative reporting and misleading reporting has cause me great harm and a tremendous lost of a home I was attempting to purchase. 

My name is XXXX XXXX, and my email is : XXXX. 


Thanks for your time, XXXX XXXX
Product: Debt collection

On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal sent by certified mail on XX/XX//18. I  received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by Portfolio Recovery Associates is inappropriate, as it does not acknowledge my settlement proposal and attempts to collect money that I do not owe to them. I question that my letter was even reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bk chapter XXXX showing on my credit report that should not be on there I never been discharged from the debt which I went into the court and filled out paperwork only never went to a hearing or follow through the paperwork and if you call youll see I never succeeded with the filing how can this happen
Product: Credit reporting or other personal consumer reports

Nelnet INC is a servicer on several student loans that are on my 3 credit reports. Under the authority of 15 U.S.C 6802,6803,6804,6805, I am now exercising my right to opt out of NelNet furnishing my private education, financial, and personal information. Giving my information to affiliates or 3rd parties violates 5 U.S.C 552a, The Privacy Act of 1974, and also the Federal Educational Right to Privacy Act. I am hereby revoking all permissions, whether written, spoken, implied, or non-implied, for my private information to be furnished without any non-disclosure or my expressed written consent. I would like them to stop furnishing my information immediately and not continue to do so. I also want them to remove the information that was furnished recently, and previously as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX - XXXX - {$3200.00} XXXX - XXXX - {$0.00}
Product: Debt collection

CFPB Complaint Against Cavalry Portfolio Services , LLC Subject : CFPB Complaint Against Cavalry Portfolio Services , LLC for Attempting to Collect Discharged Debt Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Cavalry Portfolio Services , LLC for attempting to collect a debt that does not exist, as it was discharged. Cavalry Portfolio Services has continued to attempt collection actions on this account, despite this debt being uncollectible due to its discharge.

Details of Complaint : - Cavalry Account No. : XXXX- Case No. : XXXX - Consumer Name : XXXX XXXX On or about XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX XXXX. which was subsequently charged off on XX/XX/XXXX. On XX/XX/XXXX, this debt was transferred to Cavalry Portfolio Services. However, this debt has been discharged, making it uncollectible under federal law. Despite this, Cavalry Portfolio Services has continued to report this debt inaccurately to credit reporting agencies and pursued collections, including excessive unsolicited contact, bordering on or could be taken as harassment.

Cavalry Portfolio Services actions violate the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], which prohibits debt collectors from falsely representing the character, amount, or legal status of any debt ( Section 807 ), and continuing to pursue collection on a discharged or non-existent debt ( Section 804 ). Additionally, their continued reporting of this debt to credit bureaus constitutes a violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically Sections 1681s-2 ( a ), which obligates data furnishers to report accurate information.

Despite providing notice to Cavalry Portfolio Services that the debt was discharged, Cavalry continued to pursue legal action. Further, their failure to verify the debt after multiple disputes shows their non-compliance with the validation requirements under Section 809 of the FDCPA.

I request immediate investigation and action to correct these violations, including the removal of this account from my credit reports and halting any further collection activity on this discharged debt.

Timeline of Violations : - Debt was discharged before collection attempts began.

- Cavalry continued to report the debt to credit agencies, and a judgment was obtained through XXXX XXXX, despite the discharge. 
- Cavalry sent multiple notices and failed to validate the debt properly in response to disputes.

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX