23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There have been several disputes sent to Equifax regarding erroneous inquiries, inaccurate personal information and an erroneous ( XXXX  ) collection based off of fraud. They wrote back three times, the last attempt on ( XX/XX/XXXX ) stating that the copy of my driver license and my social security card were illegible. They sent this same response trying to keep inaccurate information on my report- a violation of my rights per 15 U.S.C. 1681i ( they owe me {$1000.00} for this already ) XXXX I am the one that copied the cards and enlarged them so I KNEW they were being facetious. 

Then on XX/XX/XXXX at XXXX I called and spoke to a XXXX or XXXX from Equifax- sounded like a foreign gentleman of whom I explained the situation to. I told him what my name, address and employment info should and shouldn't be. I told XXXX or XXXX was nice at first and then when I explained the issue or the XXXX collection being fraudulent due to Equifax breach and XXXX  obtaining my info erroneously ( and inaccurately reporting on my credit report ) he hung up on me. 

Made another call today XX/XX/XXXX at XXXX to a XXXX XXXX a affidavit sent to Equifax XXXX the receipt of the XXXX since I mailed it certified. I explained that XXXX ( collection company ) has shared my information w/ other scammers and also confirmed that they did not have license to conduct business in the state of XXXX  per the XXXX  site on the page. The time limit of the affidavit ( mailed on XX/XX/XXXX with a requested time limit of 15 days ) will expire on Sunday XX/XX/XXXX. He stated that he will escalate the dispute and to give it 30 days. They are willfully keeping this erroneous account on my credit when they have already " verified '' the information as accurate. Another violation of my rights per 15 U.S.C. 1681S-2 and 15 U.S.C. 1681o ( to which they owe me another {$2000.00} for these violations.
Product: Mortgage

Bank of America opened a second foreclosure case on my home in Florida back in XXXX. 
Even though the statute of limitations ran out during the pendency of the appeal ( which was won ) for the last case, they restarted the case anyway. 
This time as the last time, the bank lost the Note. 
8 days before trial, at mediation, the Note was suddenly " found '' after 8 years. 
Previous inquiries ( 3x last being XX/XX/XXXX ) indicated that the loan is held by the original lender yet the lawsuit ( filed XX/XX/XXXX ) reflects the owner XXXX XXXX. 

So I agreed to a stipulation under much time pressure to consent to judgment in exchange for more time to seek financing or sale of the house. That very day after consent was made, a proposed judgment amount came in and was not in line with what I envisioned. Moreover the co owner of the property came to the realization she did not retain the attorney I had used to make this deal. So I filed a XXXX XXXX to see if the bankruptcy court can help arrange a payment plan that takes into account the long and tortured history of this loan and any statue of limtations that can deduct amounts or arrange the debt to make it affordable.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.
Product: Debt collection

I XXXX XXXX natural person practicing my right to rescind. I have made an attempt on XX/XX/2022 to rescind on this fraudulent contract with XXXX XXXX. I sent Rescission of Contract, Cease and Desist letter Affidavit of Truth. XXXX has not attempted to rebut my Affidavit. XXXX has been continuously violated and Harassing me by continuing to send statement about a debt I do not owe, I Told XXXX to Cease all communications with me and send me the Title to my vehicle.
Product: Credit reporting 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 XXXXXXXX, 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 an 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time.

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX XXXX  Account number XXXX Inquiries XXXX XXXX XXXX  XX/XX/2021 XXXX card services XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX bank XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report, there are so many negative information. These information do not belong to me. Im sure that someone have my personal information.
Product: Credit card or prepaid card

I have been a Credit Card customer of Barclay Bank for years, and recently, I had missed a payment because I did n't receive the statement. When I received an email AFTER the payment was late, I immediately logged online and paid the entire balance including the late fee. I called to ask for a waiver of the late fee as I did n't get a statement. And the bank refused citing that they had waived it once before which the reason again was because they did n't send me a statement at that time. I offered to remedy any future missing statements by setting up autopay but the rep was adamant about no fee waiver the  2nd time. I have been a customer for many years, and had never ever missed a payment except these 2 times. I asked for this fee waiver as a final time since setting up autopay will avoid any problems in the future. A manager did call me back but he called me on my WORK phone when I specifically asked to be contacted by cell phone, and I provided the cell number. I ca n't believe the manager left me a voicemail at work when I did not want my personal business to be left on my work number! They did n't respect people 's pr ivacy
Product: Credit card

On XX/XX/year>, I made XXXX payments - {$3200.00} and {$2200.00} for a total of {$5400.00}. On that day that's the maximum amount of payment I could make. My goal was to make a full payment so my account is at XXXX balance. That did not happen. There were some pending charges that were not included and I understand that but those charges do not add up to the current statement balance. 
My complaint is that the credit card company Barclays does not allow you to pay off the full balance. Every month they force you to carry over a balance. I have tried numerous times to payoff the balance and each time I notice there is a balance carried forward. This is very misleading. The credit card company should clearly allow the consumers to pay off the balance on any given day. 
When I asked the XXXX to provide me a resource for complaints, they did not provide a resource for filing a complaint. I had to resort to XXXX to find CFPB. They also said that it will take XXXX - XXXX business days for anyone to get back to me about a complaint. These service levels are unacceptable for consumers.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( year of XXXX since there was a large payment made in XXXX of XXXX ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Experian, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 I have attached mailing attachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered. 

I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX XXXX XXXX. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In XXXX with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
Product: Debt collection

I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from "  XXXX   XXXX  '' numerous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  XXXX   XXXX  purposely abandon their policy. On  XX/X/2016    at  XXXX   XXXX  fo r 20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with  XXXX   XXXX  she was baffled and in shocked as to why I was not issued an reinstatement letter. She reordered the reinstatement letter  ( this m akes my fourth request ) which was cancelled for a second time.   XXXX   also confirmed the following  : 1.  On  XXXX   XXXX  I ordered a pa yoff 2.  On  XXXX   XXXX ,  2016 I re quested a reinstatement stateme nt 3.  On  XXXX   XXXX ,    2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.   4. On  XXXX   XXXX ,    2016 I p aid  XXXX  as of  XXXX   XXXX ,  2016 a  partial payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.0 0} 5.  On  XXXX   XXXX  , 2016 I s poke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX     2016 a nd  XXXX     2016.     XXXX   XXXX  claim I owed over {$6000.00} in fees that carried over from  XX/XX/XXXX   XXXX   XXXX . Untrue.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX     2016.
Product: Credit card or prepaid card

When I check on my credit report, it shows that my Bank of America credit card has closed. They [ BoA ] said that I requested closing that account, but I did not request it. They closed without noticing me.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

California Accounts Service has been attempting to collect money from me for medical debt I dont owe. The balances were supposed to be paid by primary and secondary insurance and the bills specified not to bill me if services were not covered by insurance. Primary insurance claim was denied. I didnt receive payment from insurance but California Accounts Service claims I did. Creditor refused to provide documentation for over 4 years but continued to report additional fees to credit bureaus each month. They claim that they did not contact me because they believed I was filing for bankruptcy. This is false- no bankruptcy action was filed and I did not consult with an attorney. After filling additional complaints against the debt collector, they mailed me a statement. The statement shows no billing was generated between XXXX while fees were assessed. An explanation of the fee schedule was never provided, a right to dispute was never provided and the statement they mailed out to me shows multiple HIPAA violations including personal information, treatment codes, insurance details and additional confidential information. All reporting by California Accounts Service must be deleted from my credit for fraudulent reporting, breach of duty and causing multiple data breaches of my confidential information over the past 4 years
Product: Debt collection

The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. 
Basically, either the bill was not submitted as required or I am not the patient that received this service
Product: Debt collection

Diversified is currently reporting a collection account on my credit file that was paid in full to the original creditor XXXX XXXX XXXX XXXX. Once i made the payment i was told they would no longer report this debt on my credit file. I paid off the old debt in FULL as well. 

this had a huge impact on my credit file, i 'm in the process of buying a house and the mortgage company said this collection is hurting me greatly
Product: Checking or savings account

I saw in XXXX online that Wells Fargo may own customers money for fees being charged fraudulently. My accounts were closed out in XX/XX/2016. I always felt something didn't add up with my balances but I had no way of providing it. So I'm submitting this claim to investigate to see if any fraud was committed against my accounts.
Product: Debt collection

Citibank conducted multiple internal audits. These audits resulted in Citibank over charging me {$710.00}. Citibank sent me these letters stating they were going to be applying these funds to my account. However these funds were NEVER applied to my account. I am enclosing four letters from Citibank stating they were going to apply these funds. 

The amount Citibank is looking to collect is incorrect. They have been reporting the incorrect amount to my credit report since XX/XX/year>. In XX/XX/year> I contacted CityBank by phone and letter asking them to apply the amounts to my account. Citybank never responded and sent my account to Collections.

I am now receiving collections request from a collection agency to collect the wrong amount. And CityBank is still reporting the wrong amount owed to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit file, the follow inquiries are not correct : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to purchase a {$150.00} XXXX  watch with my Paypal account and a link came up telling me I could get {$20.00} off my purchase if I clicked here. Well, I clicked on the link and Syncrony Bank opened a {$2900.00} account in my name and I found out it was Fraud and the {$20.00} was only to be applied to my next purchase. I called them right back the same day, around XX/XX/XXXX, and demanded they cancel the {$2900.00} account. The man on the other end of the line said he would cancel the account. 
Today, XX/XX/XXXX, I got a notice from one of the Credit bureaus, not XXXX, that my credit score decreased from XXXX to XXXX because of the newley opened account that I never wanted in the first place. I was furious and called XXXX to ask them to look into it for me, as they still had my score at XXXX. They were very nice and gave me your name to help me. 
I also called Paypal and told them what happened and they advised me, in the future, not to click on that {$20.00} offer link and just continue to purchase with my Paypal Credit Union account. Paypal was very helpful. 
I am just worried that my score will remain XXXX and will take a long time to recover to XXXX. I worked real hard for 50 years to never miss a payment and have a low balance on my remaining 4 cards.
Product: Checking or savings account

Wells Fargo closed my account, unknowingly, without my consent back in XXXX. When I addressed the issue I was told there was NOTHING they could do n that it was a FINAL NOTICE. Whole time, I never received the first. I still havent received my check for the deposits that didnt come through on the account due to the closure as well. All I want is my money back.