23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company is stating this account was open in XXXX. I filed bankruptcy in XXXX and was discharged XX/XX/XXXX and all accounts were included. I filed chapter XXXX and this company keeps posting it on my reports as a collection which is inaccurate. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to both XXXX and Experian to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been 57 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in Compass bank. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
Product: Debt collection

I am XXXX XXXX XXXX XXXX XXXX with XXXX XXXX due to XXXX XXXX XXXX  and have been XXXX  for XXXX months with XXXX XXXX and don't know when or if I will be able to return. I have XXXX savings and XXXX XXXX. Yet Synchrony Bank Care Credit and Synchrony Bank Home and XXXX XXXX credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Product: Debt collection

I am requesting removal of the debt from my credit and validation of debt.
Product: Credit reporting, credit repair services, 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States/ 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 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 XXXX years. 

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs.
Product: Debt collection

Jefferson Capital system has reported a debt was in a XXXX XXXX  XXXX it was discharged an reported the dateXXXX XXXX open date debt account was XXXX XXXX XXXX was reported to experian drop my credit score not a valid debt was discharged in chapter bankruptcy and remove an put back on my credit report on XX/XX/XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX please add this to my complaint XXXX CFPB I forgot to mentioned please fix this issue to when I do somethings sometimes I get this pop up message screen saying for your security lets make sure its you select one phone number give me the only option I only see phone number not email when I pick try another method it say this available options help us confirm your identity by choosing the option that works best for you. Text me a code I want to use my email to get codes please fix it so I can use my email to get security verify codes too and fix the for your security lets make sure its you so it dont pop up everytime a lot of disable it so I dont see it no more my online banking account username is XXXX please contact me at XXXX and contact me at XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX OF XXXX XXXX ( XX/XX/2022 ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification.
Product: Credit card or prepaid card

I had automatic payments set up to my Chase credit card. On XX/XX/2022, I paid {$4500.00} dollars manually. My statement balance was {$3900.00}. However, the automatic payment went through. I was charged an overdraft fee from my credit union of {$30.00}. On XX/XX/XXXX, Chase again tried to apply an automatic payment of the old statement balance of {$3900.00} dollars ( statement balance was paid in full at this point ). I called them on XX/XX/XXXX, to ask why they would an automatic payment again when the balance was paid in full. They said because the payment did not go through, the automatic payment went through again for that amount. I had to call my credit union to put a stop payment, so the automatic payment would stop, which cost me XXXX XXXX. I am asking for Chase to change their automatic payment system if the statement balance is XXXX dollars and for chase to reimburse the XXXX XXXX stop payment fee and overdraft fee from my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at XXXX point hospitalized, On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now PennyMac has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.
Product: Payday loan, title loan, personal loan, or advance loan

I opened two previous cases with CFPB and they have both been closed with only partial resolution. TD Bank is not taking this process serious and has damaged my credit score over XXXX points and cost me a loan approval in the process. 


XXXX XX/XX/XXXX Closed without reading or even addressing any issues XXXX XX/XX/XXXX Closed with partial correction of issue but inaccurate information on reply In reply to the last case ( XXXX ) that was closed : The timeline on XX/XX/XXXX and information does not make sense and is not accurate. 

XX/XX/XXXX I called to pay off owed amount for Plan 1, they said they were unable to do that directly and to do it online, they gave me the amount of {$450.00}. I went online and setup the payment but it wasnt allowing me to pick just Plan 1. I called back and they said it wouldnt just be to Plan1 that wasnt an option and some would apply to Plan 2 so I needed to explain that in a ticket. I canceled the payment of {$450.00} and put in a Ticket # XXXX to pay that amount of for Plan 1. That ticket was closed as complete by TD Bank on XX/XX/XXXX. 

I have visual proof of TD Bank Closing Ticket # XXXX as complete and it was more than any minimum payment requirement. So there should be NO late charges nor should my credit score ever have been reported as late. 

So the timeline put in the dispute doesnt make sense and that amount would have kept all late fees from being charged. 

Why would they close my case ( the only thing I am able to prove because of a screenshot ) on XX/XX/XXXX if it was resolved on XX/XX/XXXX like they are claiming. This is clearly AFTER the phone calls and I was following directions from the phone calls.
Product: Payday loan, title loan, or personal loan

Harassing phone calls, unprofessional and degrading voicemails, when attempted to resolve issues with the company, I was cussed at and treated extremely poorly. The staff there are extremely rude and very un professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX XXXX Account number # XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt
Product: Credit reporting or other personal consumer reports

I received a text notification alert from XXXX bank saying that someone reported bankruptcy on my XXXX Card I went on my XXXX Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from XXXX Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because XXXX restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake
Product: Payday loan, title loan, personal loan, or advance loan

Pioneer Military Loans is not honoring Louisiana SCRA, Louisiana statute XXXX to my loan and declined. I have had used the above statue on other loans companies and have credited my account and adjusted the new rate.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report account and notice a account that i do not recognize. that account is OHIO DEPT OF HUMAN SERVICE, date XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

The account was charged off in XX/XX/year>, but was only 120 days past due at the time. According to federal banking regulations, charge-off status is not required until an account is at least 180 days delinquent. Therefore, I believe the charge-off was applied too early, causing harm to my credit report and credit score.

I have disputed this account directly with the credit bureaus without success and am now requesting your assistance in ensuring that the charge-off is corrected or deleted in compliance with federal guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my  report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all   XXXX   bureaus (  XXXX ,  XXXX  &  XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the   XXXX   credit bureaus (  XXXX ,  XXXX , and   XXXX    ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made.  I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am looking to purchase a home. I recently pulled my credit report and noticed accounts that were incorrect and some accounts that I did not have any knowledge of. I sent Equifax a certified letter to dispute the incorrect information I saw on my credit report. I asked Eqifax to verify and validate the accounts as required under the FCRA. The letter was sent on XX/XX/year>. Per tracking number, the letter was delivered on XX/XX/year>. It has now been almost 57 days since the letter was received with no response to my letter. According to the 15 U.S.C. 1681 law, there should not be any damages on my report. It is a defamation to my character.
Product: Debt collection

Did not receive proper information about who they were collecting a debt for and a debt It's being charged with compound interest was threatened with XXXX XXXX  {$2000.00} A-day warning if not paid Didn't receive notice on time for court appearance or anything else
Product: Credit reporting or other personal consumer reports

Captial One is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. Capitol one customer support was contacted on XX/XX/2023 they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My direct concern is the company listed below along with XXXX, XXXX, and Transunion has violated the ( FCRA ) to investigate my concerns it has been over 40 days, and still no response. 

ACCOUNTS : XXXX XXXX XXXX XXXX This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

I sent my notice to rescind a car loan I entered into with XXXX Nissan XXXX on XX/XX/XXXX through USPS certified mail after coming across some information given to me from my attorney. In the TILA ( Truth In Lending Act ) I noticed that the dealership did not even mention the TILA to me and my rights available to me in TILA act. I also was told by the dealer that the financial institution that let me extend a line of credit through there establishment REQUIRED me to put down a downpayment for THEM ( FINANCIAL INSTITUTION ) would approve me to leave with the car. That was not the case, the car was paid for in full by the line of credit i extended and the XXXX $ i put down was my absolute last and i paid it because i believed the dealership was being 100 % with me. There are plenty of errors in the contract on top of no disclosure and aggressive sales tactics to get you to sign the contracts. My financed amount doesn't even add up right in my itemized financed amounts. I have yet to receive my money and or property that I have given in connection with this transaction. 

1026.23 ( b ) ( 2 ) ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.