23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These collections just started showing up on my credit reports a couple months ago. I have never heard of them before. All medical bills have been paid in full primarily with insurance, but also with payments at time of service. I have never been on any sort of payment plan. All paid I full at time of service. The provider they are listing was seen over 10 years ago. I have received no past due collections notices ever from these providers listed, or any others. There are approximately a dozen different account numbers and amounts. I think I would have gotten at least one bill. Also, when the items first appeared on XXXX  and I disputed them, these were removed. I then received one envelope of notices that contained just a balance due notice for each account with zero explanation of what it was for or when or anything. I won the dispute and the items were removed. Rash & Curtis then put them back on a couple months later. I had them removed again. This time, they also appeared on XXXX. XXXX  removed the items immediately. Now they are showing up on XXXX. I have disputed them here as well. As I win the disputes, they turn around and refile the collection on my reports. It is happening almost immediately after I win the dispute. 
This is a bogus company. I do not know how they can continue to put over a dozen items with different account numbers and amounts and expect me not to notice. These are not owed. These are really fraudulent at this point. 

Is there any way I can keep them from being able to repost? I am tired of disputing a dozen items across 3 credit bureaus every couple of months.
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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

DELETION OF ACCOUNT FROM ALL THREE CREDIT BUREAU 'S LVNV Funding LLC violated the FRCA section 623 ( 5 ) ( A ) by reporting the incorrect account opening date on the account to all three credit reporting agencies. This re-aging is a violation of the FRCA section 623 ( 5 ) ( A ), LVNV Funding LLC is reporting opening date XXXX XXXX XXXX, which incorrect. Therefore, due to their incorrect reporting the opening date, this account should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Product: Checking or savings account

I have been a customer of chase for 7 years- they decided to close my account with no explanation and on top of that they will not release my funds from my checking and savingsMY money I need to pay bills. This happened XX/XX/23 and they refuse to help just says I have to wait until they decide the final amount I will be mailed in up to two weeks!
Product: Vehicle loan or lease

I recently moved to California with my XXXX vehicle. Talked to the local DMV who said that I needed my car 's title to register it in California. I paid off my Hyundai Motor Finance loan in full on XX/XX/XXXX and waited the XXXX business days stated on their website for the title to be released. Their website has been listing my title as being requested and that I should wait up to XXXX business days for the past XXXX months. Need this title ASAP as my prior out of state registration is expired. Every time I call they just tell me the title has been requested and to wait XXXX business days. Really frustrated as I need to register my car in CA.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX - Account number XXXX XXXX XXXX XXXX - Original creditor : XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX  - Account number - XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/2022 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Debt collection

Afin Collections Incorporated mailed a collections notice with its account number XXXX dated XXXX XX/XX/XXXX regarding a {$1100.00} debt from XXXX XXXX XXXX XXXX the original creditor, with account number XXXX. A collections specialist informed me the account was open from XX/XX/XXXX to XX/XX/XXXX and went to collections in XX/XX/XXXX. Afin Collections then reported the unpaid as collections to all credit reporting agencies in XX/XX/XXXX. 

In a XXXX XXXX telephone call I stated to the collections specialist someone had committed identity theft with my social security number, an old telephone number and billing address to open a fraudulent mobile account. I stated that I did make a police report about my stolen property which contained my personal information. I also stated it was highly probable someone from XXXX XXXX XXXX gained access to personal information from an old application for credit. 

Later that day, I made four attempts to rectify the situation by telephone between XXXXXXXX XXXX and XXXXXXXX XXXX with XXXX XXXX XXXX customer service on XXXX XX/XX/XXXX. Each time I identified myself and requested to speak with someone that stole my personal information to open a fraudulent account, the customer service agents disconnected the calls. This direct action indicated XXXX XXXX XXXX has no intention of resolving the identity theft that resulted in a fraudulent account. 

The key issues originate with XXXX XXXX XXXX whereby an unscrupulous employee gained access to my personal information and used it to open an account. The information included a former landline number and social security number from an old account application that XXXX XXXX XXXX had rejected. Though my credit did not suffice to open an account by my own merits, someone at XXXX XXXX XXXX used my personal information to get service and run up a bill. 

To add insult to injury, XXXX XXXX XXXX ignored the fact there are security restrictions on my credit file to prevent identity fraud and theft. However, XXXX XXXX XXXX decision makers believe their company is too big to fail.
Product: Credit reporting or other personal consumer reports

My Federal student loans were forgiven and discharged by the Department if Education. I submitted this information to all 3 credit bureaus and instead of updating my loan information to paid as agreed they deleted all my information regarding the loans. I have been trying to get them to put them back as paid as agreed but they have not done so and it has been affecting my ability to get any new credit and has been hurting me financially.
Product: Money transfer, virtual currency, or money service

My email is XXXX I was sent XXXX from a buyer on XX/XX/XXXX from a car purchase and paypal is refusing to let me use my own funds in my own account for no reason I just opened the account not too long ago and have done nothing wrong they will not let me touch my own money in my own account.
Product: Credit card or prepaid card

I filed a previous complaint on this XXXX XXXXSynchrony Financial. I have 2 cards with them. Now I am having problems with the 2nd card-Care Credit/XXXXXXXX XXXX. This company decreased my limits for NO REASON AT ALL. NOTHING HAD CHANGED AT THE TIME THEY DID THIS FROM THE CONDITIONS or CRITERIA THAT THEY ALLOWED ME THE CARD INITIALLY. ACCEPT MAYBE I DON'T USE IT ENOUGHT FOR THEM. I FEEL THAT THEIR INTENTIONS WERE TO DO THIS, AFTER GETTING ME LOCKED INTO THE CARD and or in retaliation from my last complaint and deny me THE LIMITS I HAD when I contacted them yesterday Wed XX/XX/XXXX at XXXXXXXX XXXX-the phone rep. I HOPE SHE DID NOT RUN MY CREDIT BECAUSE I DID NOT GIVE HER PERMISSION!! IT WENT FROM A LIMIT OF XXXX TO XXXX. NO REASON I'VE USED THE CARD ONLY 2X SINCE TAKING OUT IN XXXX BECAUSE NEEDED SOME EMERGENCY DENTAL WORK and it also offered an opportunity to begin to re-build my credit NOT HURT IT LIKE THIS ACTION IS DOING. I wanted to begin to rebuild my credit after coming out of a bankruptcy as a result of an injury and I am currently on Social Security XXXX. I feel this company took advantage of me. I have NEVER been late on my payments and have a 100 % payment rating on my credit report. THE REP TOLD ME MY CREDIT WAS REDUCED BECAUSE XXXX  CALLED THEM AND TOLD THEM TO DO SO?? I HAVE NEVER HEAR OF THIS. I ASK FOR INFORMATION FROM WHEN THEY INITIALLY APPROVED THE CARD AND WHEN THEY MADE THIS DECISION to reduce my limits. THEY WOULD NOT OR COULD NOT PROVIDE IT. IF THEY DID THIS TO ME THEY ARE DOING THIS TO OTHERS. I HAVE 2 CARDS WITH SYNCHRONY, THE other card DID NOT CHANGE MY LIMITS?? WHAT THIS HAS DONE IS IT HAS IMPACTED MY CREDIT AND NOW MAKES THIS ACCOUNT SHOW THAT I AM OVER EXTENDED IN IT'S USE AT 100 % WHEN IT WOULD BE 40 % HAD MY LIMITS NOT CHANGED. THIS IS ETHICALLY WRONG!. I CAN'T WAIT TO GET RID OF THESE CARDS! I DONT WANT THE INCREASE TO USE JUST TO HELP MY CREDIT!. I WILL PAY THIS CARD OFF BEFORE I USE IT AGAIN!! TELL THE PUBLIC CONSUMER ... DO NOT DO BUSINESS WITH ANY ENTITY ASSOCIATED WITH A XXXX XXXX/SYCHRONY FINANCIAL OR CARE CREDIT SYCHRONY BECAUSE THEY ARE THEIVES AND CON ARTISTS!!! THEY HAVE THIS HABIT OF COMBINING SEPERATE PURCHASES ON THEIR CARDS SO PEOPLE OR TRICKED OR MANIPULATED INTO PAYING OUTRAGES FEES AND INTEREST WHEN THESE " PROMOTIONS '' ARE NOT PAID TIMELY. YOU DON'T KNOW IF YOU ARE PAYING ON A PROMOTIONAL BALANCE OR NOT BECAUSE THEY LUMP THEM ALL TOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

The JP Morgan Chase Bank and the credit card companies have stolen my assets. My grandmother was XXXX XXXX XXXX and my Father was XXXX XXXX XXXX and I am XXXX XXXX XXXX. I have been searching for a resolution for 13 years and I've been given nothing but lies and wild goose chases from all entities. The issue seems to be too overwhelming for anyone to take action in my favor. I will start to post my bank statements and other evidence online so as to make the community aware of my wasted life and complete existence while someone else enjoys the spoils of my family 's blood, sweat, and tears. My family was ignored contractually and left to die I am the designated principal and last of my bloodline. The account has been given to every bank from here to New York. My expenses do not allow me legal assistance in this matter. Please help, I've been reduced by labels that do not describe the truth. I have suffered greatly, we have all been left without our investments by lies and excuses from the holder for 13 years. My SSN is XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I apply with Bank of America credit card in which I am a customer and Financial Institution declined my opportunity to obtain credit card. 
I told Bank of America rep that I had a Bankruptcy Chapter XXXX that I filed because uncircumstances of past debts collection, medical bills and my XXXX XXXX. 
I told Bank of America that I am XXXX XXXX  and Retired.I had a phone conversation from my cell phone XXXX with Bank of America and my conversation was pre-recorded with Bank of America. 
On Saturday.XX/XX/XXXX I received a denial of credit rejection letter from Bank of America rejecting my credit application for a credit card because of my XXXX Retirement and filed Bankruptcy that I file on XX/XX/XXXX and it was discharged on XX/XX/XXXX. 
Bank of America pulled my XXXX credit report on XX/XX/XXXX and letter stated my score was XXXX. 
Now, that I have been rejected my credit scores went down and my credit is damaged by Bank of America rejection in obtaining credit. 
Why pulled my credit if I told Bank of America that I am XXXX XXXX   and I have a Bankruptcy chapter XXXX.on my credit report.? 
As a XXXX XXXX American and XXXX XXXX XXXX XXXX I am devastated by Bank of America rejection in me obtaining a credit card. 
I don't have Bank of America credit card, my denial reference number XXXX with last four # XXXX Urgent Matters
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/year> due to inaccurate information regarding to credit cards, addresses, phone numbers, name, etc. information not belonging to me. Experian refused and denied to follow up on the investigation regardless of me filing identity theft. Gov. They alleged the company of accepting unreliable information, failure to notify consumer report dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report XXXXXXXX XXXX  XXXX XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is.
Product: Credit reporting or other personal consumer reports

I have been trying to access my credit report account from Equifax and I sent in information to prove my identity. I still can't get into the account! There is information that doesn't belong on my credit report. I received my report from the annual reporting website. I also asked how was some of the information that is listed, was received and was told by another party. My information shouldn't be given out. I am a victim of XXXX XXXXXXXX and I reached out to them and asked for my information to be frozen and to put an identity theft alert on there. There are also accounts and inquires that I didn't make. I am over exhausted trying to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
Product: Credit card

I have had a Bank of America Card since XX/XX/XXXX. After have excessive fees on my banking account, I decided to also close my credit card with a {$500.00} limit. At the time, the card was paid in full and had a XXXX balance. I assumed everything was fine and had no further communication from BofA ; no statements or notices. 
I recently applied for a car loan and found that my credit score dropped XXXX points because BofA has been reporting a {$12.00} balance past due. If I knew there was money owed- I would have paid it, but would have no reason to believe money was owed since the card was closed. The bank is now reporting the {$12.00} XXXX past due on my credit report. 
I would like them to correct their credit reporting as I did not owe any amounts and I would like the trade line updated correctly to the credit reporting agencies. I have filed disputes with the agencies in the interim. If Bank of America will not remove the incorrect information from their credit reporting, I would like copies of all statements since XX/XX/XXXX so I can see where this charge came from. I would also like to know how it was applied to my closed card. Lastly, I am also requesting copies of all late notices and collection efforts including their attempts to contact me regarding the past due amount. 
This has resulted in a drop of my score which is impacting my cost of credit and resulting undue harm. It appears their collections practices are unfair and cause undue harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite filing a dispute with Equifax and placing a credit freeze on my file I am still receiving inquiry alerts and Equifax refused to remove fraudulent inquiries on my credit report despite being advised that I am a victim of Identity Theft as my information was compromised in their Breach. 

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

These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

I have not been able to access my Equifax score or credit report since XX/XX/. I began calling to figure out this problem around XX/XX/XXXX. They wanted to put it off as a website issue but I advised it is not only their website issue is on every site. I advised I was in process of mortgage loan and asked for any freeze to be removed because lender couldnt access score. They advised freeze removed. On my third call to check on this issue I was now advised there was an internal block on my file and needed to mail copy of ID and social security card. I mailed info that was requested. Called after a week and they advise they dont have anything. This is preventing me from purchasing a home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors. 

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor in the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error.
Product: Checking or savings account

Normally I get my direct deposit from my employer in my Capital One checking account every other Thursday. I did not receive My direct deposit early morning XX/XX/XXXX. I got an email from Capital One finally on the evening of XX/XX/XXXX indicating there was an issue with their processing and it would likely be resolved on XX/XX/XXXX. The issue has still not been resolved on XX/XX/XXXX. I have scheduled numerous bill pays and will likely receive fees based on my insuffient funds.