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

XXXX XXXX XXXX Marriage Name : XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX D.C. XXXX Dispute of Inaccurate Collection Account by XXXX XXXX XXXX Violation of FCRA & FDCPA Dear CFPB Representative, I am filing this formal complaint and dispute against * * XXXX XXXX XXXX * * for inaccurately reporting and attempting to collect on a debt that I am * * not legally responsible for * *, in violation of the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. 


The account in question is related to a past residential lease at XXXX XXXX This lease was primarily held and financially managed by my ex-husband, XXXX XXXX, who was the Lease Holder. I vacated the property well before the charges in question were incurred. I have no legal obligation to this debt, and XXXX  continued efforts to collect from me and report this on my credit file are false, misleading, and unlawful. 

XXXX has failed to provide proper debt validation upon request and continues to report this unverifiable and inaccurate account to credit bureaus, causing substantial harm to my credit profile. Their actions violate the following : - * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 * * : XXXX is knowingly furnishing inaccurate information to credit reporting agencies, despite having received notice of the dispute and evidence disputing my responsibility. 

- * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692g * * : XXXX is using false, deceptive, and misleading representations in connection with the collection of a debt and has failed to properly validate the debt upon request. 


I am requesting immediate action to have this account * * removed from my credit report * * and to * * investigate XXXX 's collection practices * *. XXXX must cease all collection activity. I request a full investigation and written confirmation of the outcome. 

Thank you for your assistance in ensuring my consumer rights are upheld. 

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

When I provided a copy of the FTC report, it was determined that credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following objects recorded under that are responding incorrectly because of fraud. The following items need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.
Product: Debt collection

My son was a student at XXXX  XXXX XXXX  until XX/XX/2023 and rented an apartment there with 3 other roommates at the XXXX at XXXX, a student complex building. We have consistently upheld punctual rent payments throughout the duration of my tenancy. 
On XX/XX/2023 the entire complex building was sold to another company, and they consequently changed their payment portal and IT system. With the portal migration they started to have several issues to collect payment, same happened to many of us when we tried to pay the XXXX rent before it was due. 

The transition to the new portal resulted in technical difficulties that prevented us from making the XXXX rent payment on time. The interactions with XXXX staff on duty confirmed the widespread issues with the new portal, as other acquaintances encountered similar challenges. 
Upon recommendation by the XXXX staff, we endeavored to use the XXXX option to submit the outstanding payment. However, I encountered an obstacle when I went to a XXXX physical local to pay as the system indicated that the XXXX account was inactive and hence incapable of receiving payments. 
Subsequent to this, we were advised to remit a check, without specification as to the necessity of it being certified. Regrettably, we dispatched a personal check which was subsequently returned to me uncashed. 
Upon seeking further clarity from the XXXX staff, we were informed that a certified check was required. In response, we promptly sent a certified check for both XXXX and XXXX rents on XX/XX/XXXX. The certified checks were inexplicably returned to us, devoid of any accompanying explanation. Consequently, I incurred a total mailing cost of {$30.00}, an outcome directly influenced by the guidance provided by the XXXX staff. 
Seeking explanation to why my check was returned again, they informed me that the reason was due to late fees that were charged and due on my rental account throughout this entire time since the portal migration, and they didn't want to accept to acknowledge that their portal issue and miscommunication from their staff had prevented us to pay on time. Due to the late fees they refused to accept my cashier check payment that didn't include them as I considered an unfair charge. 
Debt ended up in the collection process and affected both my son and my credit score.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late Marks - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX 60 Days Late Mark - XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

AXX/XX/XXXX
Product: Student loan

I have had outstanding student loans for over 20 years. I have been making payments on them every month. Lately I began paying {$1200.00} per month in order to get rid of them. I started looking at the principal and interest on the loans. Nelnet is charge me {$50.00} more per month in interest now even though the rates on both loans are fixed. I do not see any way that the interest can increase after 20 years when my payments are over 4X the required amount. I've asked for an amortization schedule. The loan balance isn't high enough for an additional day to cause that much cost. They are not calculating my payments right and they haven't been for months. If my interest was {$100.00} per month before the large payments, it should not change. It can't be {$150.00} now. I have tried several times to get this remedied and I don't believe any of them even understand what's going on. 

I am sure this is inaccurate at best ... could be worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has more than 7 years and is still on my credit report, XXXX XXXX make a fraudulent payment to report activity, and Equifax doesn't delete this account.
Product: Credit card or prepaid card

Complaints against First National Bank of Omaha is one account the other is a card service that they manage for XXXX XXXX XXXX. I'm not receiving any card statements in the mail in order for me to know all essential information about the account so I can make timely substantial payments. They claim they are not required to send out such statements by mail or via email. I believe this was not in the terms of the contract for card services. They want their fees no exception. I have a credit score of XXXX and I am a successful Sole Proprietor who uses the credit card for business. I believe I am getting stolen from in the form of wire fraud and anything else you can think of
Product: Credit reporting

I have raised this issue for the past six months and every week for the Month of XXXX and have found that the Status is OPEN and should be UNKNOWN which is been reported as serious delinquent for the past 24 months that reflects XXXX points decrease in Equifax reporting company.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the wrongful closure of my Sparrow card account and my request for a refund. My account was wrongfully closed due to a misreporting that it was included in my bankruptcy filing. However, the account was not included in my bankruptcy, and I have supporting documentation to verify this.

Here are the details of my complaint : Account Information : Name : XXXX XXXX Account Number : XXXX Card Issuer : Sparrow Card ( issued by [ Sparrow Card 's partner ban XXXX XXXX ) My Bankruptcy Details : I filed for bankruptcy in XX/XX/XXXX. 
I was discharged from bankruptcy in XX/XX/XXXX. 
I obtained my Sparrow card in XX/XX/XXXX. 
If the account had been included in bankruptcy, it should have been closed at that time, and I should not have been able to make payments. 

Payments Made : XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$300.00} These payments were made after my bankruptcy discharge, and I should not have been able to make these payments if the account was indeed included in my bankruptcy. 

The Issue : I noticed on my credit report that the Sparrow card was being incorrectly reported as account included with bankruptcy. When I contacted Sparrow card to address this issue, they acknowledged the error and proceeded to close my account. However, I do not understand why this action was only taken after I raised the issue, especially when the account should have been closed when I filed for bankruptcy, and I should not have been able to make payments on it. 

My Request : I am requesting a refund of all payments I have made toward this account, as the closure was based on incorrect information. I believe I am entitled to these refunds due to the erroneous reporting and the improper handling of my account.

Resolution Sought : I am asking the CFPB to assist in facilitating a refund for the payments Ive made to Sparrow card, as I feel I have been wrongfully charged and my account has been mishandled.

Please let me know if you need any additional information to proceed with my complaint. I would greatly appreciate your assistance in resolving this issue as soon as possible.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

They call back to back and say following previous letters which I have not received regarding an important business matter. I have nothing in collections at this time. I've been the victim of identity theft several times. I want them to stop or send me something in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unauthorized fraud alert was added to my experian without my consent i never reported any type of identity theft or anything not only a regular alert an extended 7 year alert. I have tried for over 6 months to fix this i have mailed and emailed all the information they have requested to no avail. I am unable to speak to a live representative on the phone I have been unable to add my phone number to my credit report I have had problems obtaining credit because of this but they continue to put inquires that lower my credit score but I keep getting denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that the fraud alert be removed from my credit file multiple times. I have called and sent letters yet Equifax refused to remove the alert.
Product: Checking or savings account

On Sunday XX/XX/XXXX I wrote a check for a charitable organization ( {$640.00} ). This was from a business account. Later that evening, I did some research and learned some troubling information about them. So I did research, then first thing Monday morning called the Chase Bank, gave them the check number, amount, and payee of the check. The agent told me that this would not be a problem AT ALL. He issued a stop payment on the check, we went over the amount, check number XXXX, and then assured me that the check would not clear. WELL, the NEXT DAY, the check was in process! I called Chase. I told them that the check was in process of clearing. The agent assured me that even though it shows as pending, it would NOT clear. I noticed something odd, and told them IMMEDIATELY. I said that the bank memo shows the incorrect check number. Instead of the check number, it shows my ROUTING NUMBER. WHAT??? The check image shows the correct check number I told them to stop payment on. The agent told me to just wait a day and then it should be removed. THE NEXT DAY IT CLEARED! What?? I called furious. I was tossed around from agent to agent until some agent XXXX  told me, " sorry, there is nothing we can do. We can only stop payment on a check that has not cleared. '' I told them I called MONDAY TO CANCEL the check, what?? Chase just doesnt care. I have had my business account with them XXXX  years! I have needed to stop payment on checks before and I NEVER HAD A PROBEM before. Someone needs to make this right! I have no problem taking my business elsewhere.
Product: Credit card or prepaid card

I have contact Experian, XXXX and XXXX about this issue and have given them supporting documents towards my claim
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and don't know why. When I checked my credit report as usual, I found unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Due to this issue, I'm requesting a thorough review of the documents I've sent so I can be assured of my credit report 's accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a case XXXX ( that was just closed with CFPB ) to address inaccurate information on my credit report. The issue was resolved with XXXX but not with Experian or XXXX. The information was coming from XXXX XXXX XXXX. I provided proof that I had paid the lease in full and was being wrongly identified as having terminated my lease early. I paid the lease off and turned the vehicle in because NY state was shutting down all businesses due to the pandemic. I had called XXXX and was told that I could 1 ) keep the vehicle until the business reopened and continue to make lease payments or 2 ) return the vehicle as long as the lease was paid in full. I chose to return the vehicle, paid the lease off in full, and avoid continued payments for an unknown length of time. I have attached paperwork showing that XXXX recognizes that my lease was paid in full. I also attached my response to the only letter I received from XXXX in XX/XX/XXXX. I had to write to XXXX as I could not get the issue resolved by phone. XXXX has not responded to any of my letters. If I call XXXX, I am transferred and eventually hung up on. I have not been able to resolve this issue with XXXX. I did provide all of my evidence that this early termination charge is inaccurate to all three credit bureaus, and XXXX has removed it. Experian removed a completely paid off and in good status XXXX XXXX XXXX account from XXXX but left the XXXX account from XXXX that I was disputing on my report. I have no idea why. I have tried to contact Experian to clarify and am not able to resolve the issue or get a rational answer explaining why this happened. I am awaiting results from the dispute I filled with XXXX. I am attaching documents verifying this information. Please note that my name was XXXX XXXX at the time of this lease and is now XXXX XXXX
Product: Vehicle loan or lease

I HAVE A LOAN THROUGH CHASE AUTO I SENT IN A CEASE AND DESIST LETTER FOR PHONE CALLS DUE THEM CONSTANTLY CALLING 2-4 TIMES A DAY AFTER ACCOUNT BEING PD 5 DAYS PER THEIR POLICY AND CAUSING TROUBLE WITH MY JOB EVERY TIME THEY CALLED. AFTER THEY RECEIVED MY LETTER THEY MARKED MY ACCOUNT AS A " SPECIAL COLLECTIONS '' ACCOUNT WHICH DISABLED MY ABILITY TO MAKE PAYMENT THOUGH THEIR AUTOMATED SYSTEM AND OR ANY AGENT OTHER THAN THOSE HANDLING MY ACCOUNT WHICH IS A VERY LIMITED DEPARTMENT I USUALLY PAY MY ACCOUNT EVERY XXXX DAY OR SO DUE TO PAY PERIODS WHEN I ATTEMPTED TO MAKE PAYMENT THE AGENT REFUSED TO TAKE MY PAYMENT OVER THE PHONE AS HE CLAIMED I HAD TO ONLY SPEAK TO THIS FICTITIOUS DEPARTMENT MY ACCOUNT WAS PLACED UNDER I RECENTLY RAN MY CRDIT AN I AM SHOWING 2 30 DAY MARKINGS ON CREDIT DUE TO THEIR MARKINGS AND ACCOUNT RESTRICTIONS I DONT AGREE WITH REPORTING AS IF I HAD A REGULAR ACCOUNT LIKE A REGULAR CUSTOMER I WOULD HAVE BEEN ABLE TO MAKE PAYMENTS LIKE I ALWAYS DID NO ONE EVER NOTIFIED ME OF THIS SPECIAL COLLECTIONS DEPT AND NOR DID I GET NOTICES I HAD TO SPEAK TO LIVE AGENTS WITHIN THIS DEPARTMENT TO COMPLETE PAYMENT I WAS SET UP FOR FAILURE.
Product: Credit reporting or other personal consumer reports

These unknown hard inquiries were placed on my credit reports : XXXXXXXX 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Accounts # XXXX, XXXX and XXXX, has violated my rights per the following laws : 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: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and should not be reporting on my credit report. Also, BY LAW I should have received a 1099 for the following accounts. These accounts are improperly reporting on my report. I believe my information may have been compromised. 

XXXX XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX Account Ending # XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The status is incorrect for the following account XXXX  XXXX BANK XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquires and fraud. I never authorized these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at DEPT OF EDXXXX on XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

We filed a dispute against a XXXX on our Citi Bank XXXX on XXXX XXXX 2024 in the amount of {$5300.00} Citi XXXX in its dispute process that it will be like a tennis match back and forth and will give us an opportunity to rebuttal what the other party submits. None of this happened we are still yet to be presented with the contractors statements from the dispute. 

Citi sided with the XXXX and we submitted documents from professionals backing up our claims to why we disputed the charges so we can only assume they never really looked at the incident and all the information in the dispute. 

below is a short synopsis of what happened We hired a XXXX to Fix our XXXX and used Citi bank XXXX as our form of payment ( to protect us from a situation like this ). The XXXX did everything wrong as far as the work goes and we supplied Citi with plenty of documentation on the situation from outside professionals and contractors. Citi XXXX with The XXXX because we didn't let them continue/finish the work which would have cause further damage and we couldn't return the permanently installed fiberglass not our fault they did it wrong & that we had to spend many thousands of dollars to remove and repair. 

We will supply images and documentation we submitted to this complaint as well as pictures in XXXX of the professionals document Citi Refused to look at.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Checking or savings account

According to my chexsystem report I have one issue XXXX XXXX because this accounts open fraud my cousin XXXX XXXX who lives with me since XXXX until end of XXXX ( same Address ) used my identity with out my permission I report to XXXX XXXX also I explained to chexsystem but unfortunately Chexsystem dont give me right answer