23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter in the mail saying I need to call the company because I was in debt to my college. After this i called them and set up a payment plan. I then received a call on XX/XX/XXXX from a blocked number. This was the agent that I set up the payment plan with. I did not answer as I usually don't answer restricted calls. XXXX, the agent, then left a voice mail that i need to call her back not stating she was a debt collector. I tried to contact XXXX after work on XX/XX/XXXX after receiving a call every day of the week, but she didn't pick up. I left a message saying that i was not able to receive calls until after XXXX. XXXX continually calls at XXXX XXXX  after I have told her that I was not able to receive calls at that time. I find it extremely frustrating to get calls from a blocked number and constantly calling when i am working.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy of several charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : XXXX. XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX for the amount of {$3200.00} XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Reported on XX/XX/XXXXXXXX XXXX XXXX for the amount of {$1700.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Reported on XXXX XXXX XXXX for the amount of {$6000.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reported on XX/XX/XXXX, for the amount of {$2200.00} XXXX. XXXX XXXX  Reported on XX/XX/XXXX, for the amount of {$1700.00} XXXX. XXXX disclosed is the XXXX form The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a XXXX form, indicating that these debts have been officially forgiven and are considered resolved. 

These accounts were charged off but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I will receive a XXXX form for tax purposes, and I have received some already. Consequently, the debt is considered canceled or forgiven and will be reported as income on my taxes. 

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven. 

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status but also constitutes an inaccurate and unlawful entry on my credit report. 


According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and will be reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and will be reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the XXXX form or other proof of debt discharge. 

I request that you investigate this matter and remove these entries from my credit report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and deleteion of the following erroneous accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

discovered incorrect late payment records on my credit report that dont match my usual payment activity. Please fix these mistakes and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

I tried everything in my power to contact Bank Of America verifying the debt and paying off any amount of owed if so. They can not find the debt under my SSN. They can not even verify me as a customer. I can not reach anyone to pay of their debt after numerous attempts. 
I want this removed asap since I tried everything in my power to get this removed but no response from no one to work with me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I notified XXXX Equifax & XXXX That I checked my credit and became aware I was a victim of Identity Theft! I also sent in ftc report asking all 3 bureaus to block information from my credit file. They all ignored my ftc report. Per Fcra and FTC items placed on my report FRAUDULENTLY MUST BE BLOCKED WITHIN 4 Days. WELL TO DAY IS XX/XX/21 and the items have not been blocked!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???
Product: Mortgage

This is a follow up to complaint XXXX, relating to and ACH failure by Mr. Cooper and their third party ACH provider beginning with the XX/XX/XXXX payment, that was closed with an unsatisfactory resolution. These issues continue today, as Mr. Cooper continues to attempt to charge me fees for an NSF that never occurred, the ACH block was their internal failure. I have had to correct my billing statement every month since the original complaint in XXXX and they have not corrected their issue. They are acting in Bad Faith and owe me for my time and effort, as well as mental stress to continually correct their mistake. I am attaching transaction history that shows that the original complaint issue is still occurring, as well as written communication from them stating that they corrected my XXXX payment, when they have not. I believe that this is a straightforward case of Fraud on the part of Mr. Cooper, as they have not corrected their issues within 3 months. 

I have attached the following that show Mr. Cooper has no intent to correct or adhere to lawful application of their fiduciary duty as a Mortgage Servicer : 1. Letter dated XX/XX/XXXX stating that they have corrected my payment on XX/XX/XXXX ( this is factually incorrect, as of today, XX/XX/XXXX, this payment has still not been corrected. 

2. Emails between myself and XXXX XXXX that show that she told me she would correct these issues. She did not do this and has subsequently ignored my follow up emails to deal with this. 

3. Transaction history dated XX/XX/XXXX detailing the repeated failures of Mr. Cooper to correct the issues related to my account that began XX/XX/XXXX. 

I have made over 8 phone calls to the Mr. Cooper XXXX Customer Service Line, filed a complaint with the CFPB and followed up with repeated emails to Mr. Cooper. None of these has achieved the outcome of correct application and, hopefully, punitive damages to Mr. Cooper for their pathetic oversight and adherence to the law. This has caused undue stress, aggravation and worry on my part. 

Your help in rectifying this is situation. 

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

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received phone calls and tried calling back to find out about the debt. 
No written correspondence was sent to me. 
I informed company that I paid the debt and I emailed proof. 
I called back to confirm receipt of my proof of payment and they refused to accept my proof. 
They also refused to contact the initial creditor ( XXXX ). 
I spoke with XXXX XXXX ID # XXXX who refused to provide last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

Even though I have almost XXXX balance as I have used my BJ 's Perks Mastercard from XXXXXXXX XXXX they are suspending my card and was declined even though they admit I have an allotment ( free balance of {$3500.00} ) and told me that I made too many PAYMENTS on my card and was suspended for 72 hours XX/XX/2020 Online Payment from Account ending in XXXX {$400.00} XX/XX/2020 Online Payment from Account ending in XXXX {$290.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} XX/XX/2020 Online Payment from Account ending in XXXX {$300.00} XX/XX/2020 Online Payment from Account ending in XXXX {$270.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} After I called to find out why this is being done they are saying the software was written in XXXX and that only applies here, when I tried to advise them that USC 16c of the FDCPA specifically does not allow credit bureaus or collectors to  suspend payments received they told me they didn't care in a recorded phone conversation and to make a complaint. I thought this was so bizarre that I would follow thier opinionated advice and report them for violation of US Federal Law and they can thank thier call center in XXXX for the wonderful experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why In my full name, the middle initial has been omitted, I am applying for a job and my social security card has my complete full name but when they ran the background check, it doesn't match. 
They have in file my name in 5 different ways but none of them match my complete full name and all of those names are the same person, I am all 5 names along with my complete full name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX  XXXX  XX/XX/XXXX   XXXX XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 1

5 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but XXXX and Experian have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent information.
Product: Credit reporting or other personal consumer reports

company are checking my credit more than once that i have allowed them only once and now its affecting how i am trying to work with my credit and giving my kids a chance to have a better future
Product: Credit reporting or other personal consumer reports

OnXX/XX/2023 I saw a delinquency report on my XXXX account. I was concerned because to my knowledge I didnt have anything delinquent. It was listed by XXXX XXXX XXXX, phone number XXXX. I called this number to inquire about the report. I was told that the last payment of the personal loan I had ( their reference number XXXX ) was not received. This loan was paid completely by automatic withdrawal from the company. From day 1, the money was in there for 4 or 5 years the life of the loan. No late or delinquent payments. Never a call to say the money wasnt in the account. Nothing. So I was perplexed. Why hadnt the last payment been taken out? I assumed the loan was done. Then 3 months later my credit score tanked. 
When I asked what happened they said the final payment was a different amount so they couldnt take it out without permission. I told them nobody ever called to tell me this and when the girl, XXXX looked through the file she said you are right nobody did. So I immediately asked what to do and paid it as soon as I got off the phone. I believe I had to go online to pay it. They credited it on XX/XX/23. However they never removed the delinquency from my credit report. My score was up in the mid 700 range and now it is mid 600. My payment history for my credit has been impeccable. If you look at my report there is 1 negative thing in 7 years. I had tried to call and speak with a manager after the initial call and had to leave a message for someone to get back to me on 3 occasions. Nobody ever returned my call. The last time I called they told me that the original owner of the loan took back all information and they werent allowed to do anything further with those accounts.
Product: Checking or savings account

Chase has to be violating a law or two and I am bored by these complaints I am having to spend my time on. 
Issue : Letter received from Chase, dated XX/XX/20 - inaccurate and unauthorized. I did not ask them ( Overdraft Collections dept ) to review this account since it is paid in full, closed and the amount cited is incorrect/not owed. 
Please see attached pdf of my contact log with Chase, I only speak with the Executive Office ( XXXX on this particular day ) now since they are supposed to be able to resolve issues at a higher level, as proof that I did not ask assistance from overdraft collection dept ... last conversation I had with them was, per my log was : XX/XX/20 Called spoke XXXX They still can not locate the status on this $ 200they claim they are still researching it, XXXX. Asked to speak with a supervisor ( she was unavailable, but I insisted ) XXXX, XXXX. Was on the phone with them for 55 mins to find out no further work on their part has been done to rectify and they hung up on me. 
Filed FTC complaint and CFPB ( Consumer Financial Protection Bureau ) complaint ID - XXXX. 

Debt not owed - paid in full. This account is settled and paid as agreed by me in cash at my local branch, please see attached pdf " XXXX account issues '' for that proof. It was paid XX/XX/20, see receipt. 

I have had several conversations with the Executive Office to resolve the issues and be reimbursed/correct for the errors Chase has caused, however, I am still lacking resolution to my original complaint. Of my four complaints ... only one, for {$27.00}, was credited appropriately. 

I am unsure who is continuing this garbage and honestly I do not care, but they need to be stopped and reimburse me what is mine.