23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For a while now, I have requested validation, that is competent evidence bearing my signature and have been largely ignored.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

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

XX/XX/2022 unwanted hard inquiries. 
I only had XXXX and XXXX XXXX no others I dont recommend these companies ever to invest or their support to be on my Team or contact at any time in the future # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Many other to list
Product: Debt collection

I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.
Product: Debt collection

Transfinancial did not remove this debt from experian credit reports. It is on their XXXX and in my last cfb complaint they found the bill was paid.
Product: Checking or savings account

I have an issue with my bank, TD Bank. I am new to them, opened a checking account with a debit card in XX/XX/XXXX. Over the Labor Day weekend, while I was away from home, I used the card to purchase gasoline, paying at the pump. The bank authorized those charges. When I checked my account, there was enough money in the account to fund the charges ; however, by Tuesday ( XX/XX/XXXX ) evidently, the Bank only authorized the charges for {$1.00} and when the full amounts were withdrawn the account went negative for ( 2 ) other charges that they authorized. I was charged {$70.00} for ( 2 ) charges ( {$35.00} each ) on a balance that was negative by {$53.00}. I made the account current by XX/XX/XXXX when I became aware of the situation. I called and asked them, under the circumstances, if they could re-credit my account for those charges. They told me that they had already credited my account in XX/XX/XXXX and that I was not eligible. I then spoke to supervisor, " XXXX '' who was not helpful, kept repeating the same line over and over and would not escalate the matter to his supervisor. Finally, they told me that someone from their " Customer Care '' center would call me within ( 2 ) days but I have not received a call from them.
I do n't see how they can " clear '' charges at a gas station in the moment for {$1.00}, then wait several days to actually clear the full charges and then, charge me fees when it goes negative. This seems fraudulent in my mind. Its a way to trick you into incurring fees. I would like to get my {$70.00} in fees returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this formal complaint regarding the flagrant presence of fraudulent information on my Credit Reports. It is crucial to note that I previously corresponded with the Credit Reporting Agencies on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on Credit Reporting Agencies to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. XXXX  XXXX XXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/2021
Product: Mortgage

Last XXXX, my mortgage was sold to Planet XXXX Mortgage. It has been an absolute nightmare. I've never missed a payment, been late, or delinquent of any kind. Since XX/XX/XXXX, my online account has been unavailable. I have called numerous times every single month while having to make a payment by phone. I complained each time and have emailed them screenshots of the error. Today, XX/XX/XXXX, I was informed that my payment has jumped from {$1400.00} ( originally XXXX & change btw ) to {$1800.00}. I received absolutely ZERO prior communication. Today only, they claim to have mailed something in XXXX that was not received. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. I only escrow for convenience. When I asked about removing escrow, I was told I could request it in writing after paying a shortage amount of {$1000.00} ( found in XXXX XXXX from XXXX ) and provide a paid in full insurance policy. I then asked how long until I was out of escrow and was informed that they can deny the request for their reasons. I asked what the requirements were and denial reasons. She refused to give me any information. I asked to speak with the escrow department and was told they do not speak with people. She verified if I send a handwritten letter, {$1000.00}, and a paid policy ; still deny removing my escrow and XXXX would be the only company issuing any refunds. My requests to speak with a manager, a supervisor, or have an escalation were ignored at the very least 4 times by at least XXXX different people. until this afternoon. They refused to alter the payment in any way and I'm at loss as to what to do. Also, the XXXX XXXX verified that my insurance has not increased, their numbers are wrong, and this is all bad accounting. Planet Home Lending has been sued multiple times and I can see why.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report on XX/XX/2020 as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of XXXX my credit card statement that proves your balance is in correct ). 

Thank you,
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone engaged in the attempt to open a new Capital One card in my name, I was alerted via email a credit alert review. I contacted Capital One as well as all reporting agencies to investigate and correct the issue but nothing happened. Capital One assured me that the inquiry would be removed within a week from incident but to no avail.
Product: Mortgage

In XXXX I had a mortgage with Cardinal Financial Company. My mortgage at this time was escrowed for both taxes and insurance. In XX/XX/XXXX I refinanced my existing mortgage through Cardinal Financial Company for a loan that did not have escrow. During my loan process the month prior my payoff was ordered. In that same month my Insurance was due to be disbursed from my escrow account. My Insurance was not paid out as it should have been as the policy renewal date was XX/XX/XXXX. I was not made aware at the time of closing or even prior that my insurance was not paid out of my escrow in XXXX and that my renewal for XX/XX/XXXX needed to be paid by me for the XX/XX/XXXX-XX/XX/XXXX policy. This in turn caused by policy to lapse for 12mo causing me to have to purchase a worse case policy ( $ XXXX/Yr ) vs. the premium policy ( $ XXXX/Yr ) that I had. 
I reached out to Cardinal Financial Company in mid-XX/XX/XXXX once I found out my policy cancelled due to non-payment despite my account being escrowed. Initially I was told by the Insurance Department of Cardinal Financial that they did not get an invoice ( my further research found that was false as the insurance premium amount had been updated in their system to show the invoice amount for the renewal policy ). I was told that since I refinanced I should have paid it when my escrow was returned to me ( Issue with this : My insurance was due XX/XX/XXXX and I did not close on my refinance until XX/XX/XXXX - the insurance should have already been disbursed and paid by escrow ) ; I was also told when my payoff was ordered they netted my escrow from the payoff amount so all escrow payouts were froze ( I did not request this ) ; I received a letter in the mail this past week referencing my new loan and was told that their records show my insurance was good through XX/XX/XXXX and I needed to reach out to my new servicer ( False : They admitted in a conversation I had with them that they received a Notice to Cancel the day before I closed on my refinance ( XX/XX/XXXX ) - They still never said anything ) ; The last conversation I had with them they said that once a payoff is ordered they stop all escrow disbursements for 45/days and I was notified of this however could not tell me when or how I was notified ( I reviewed all of my closing docs that I signed and never signed anything about this. The only notice that was provided at close was my settlement statement that indicated I needed to cover my property expense going forward which I was aware of as I no longer escrowed ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Full Credit Sweep and Investigation of Inaccuracies Due to Data Breaches Dear Equifax Customer Care Team , I am writing to formally request a comprehensive review and full credit sweep of my credit report due to inaccuracies that I believe are the result of recent data breaches and/or unauthorized activities. My goal is to ensure that my credit report accurately reflects my financial history and does not include any erroneous or fraudulent information. 

Personal Information for Identification : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX I have reason to believe that my personal information was compromised and used in a manner that has led to inaccuracies and/or fraudulent entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I request that your agency conduct a proper investigation into all disputed items. 

Please remove all inaccurate, incomplete, or unverifiable information from my credit report immediately. Additionally, I would like to request the following : 1. A detailed explanation of the investigation process, including the methods used to verify the accuracy of the disputed items.

2. A copy of my updated credit report after the completion of your investigation.

3. Prompt resolution of this matter, including written confirmation of the removal of any inaccuracies. 



For your reference, I have attached copies of the following : Any documentation that supports my dispute ( if applicable ) Please acknowledge receipt of this letter within 30 days and provide a response within the timeline established by the FCRA. Failure to address these issues appropriately may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal recourse. 

Thank you for your prompt attention to this matter. Should you need any additional information, feel free to contact me at XXXX or XXXX. 

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

XXXXXXXX XXXX XXXX Please remove this account from my credit report because Experian is continually reporting charged off status in the payment history all the way until XX/XX/XXXX when this account has been charged off since XX/XX/XXXX. 

You can not report a payment history on a dead account and it falsely manipulates the statute of limitations on when this account is supposed to fall off. 

This is a violation of my consumer rights. Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Student loan

EdFinancial has refused to follow up on my second CFPB complaint. It is now 140 days after filing. Please respond to complaint XXXX.
Product: Debt collection

I had credit card debt with the company called XXXX XXXX. The debt was approximately {$3500.00}. At the time I obtained the credit card I was married and was paying everything on time. Unfortunately shortly after, I got divorced, changed my last name back to my fathers and stopped paying my credit card debt. Many years later the company called Pressler and Pressler bought my debt from the bank XXXX XXXX. In approximately XXXX Pressler and Pressler began contacting me constantly but it was to my old last name, which was my ex-husbands last name. Eventually they put a link on my social security and continued calling me to pay. Years later they sued me again but this time to my correct last name. Pressler and Pressler also began garnishing my checks, taking 10 % of my pay per week. After about a year or so my pay drastically dropped and they could n't continue garnishing my checks because of how little I was now making. About two years later a court sheriff came to collect my tenants rent which was when I decided to get a lawyer. We tried settling but they refused all negotiations. Eventually my lawyer made a deal with them to pay {$2500.00} off the bat and {$500.00} every month until the total of {$5400.00} was paid. I decided to pay it through my lawyer to make sure everything was accounted for. After the last payment was made my layer called them to confirm that I did n't owe anything else and they told him everything was paid off. Many months later another sheriff came to collect my tenants rent with a new court order. About a week later I received a letter with the same sue asking for the same amount of money I originally owed. The only difference now is that the envelop contained my first name followed by my ex-husbands last name and inside the letter had my first name followed by my ex-husbands followed by " - '' followed by my actual full name with my father 's last name. We have proof and copies of ALL checks that were sent to them, copies of my divorce papers, and copies of the company I worked for when they garnished my checks.
Product: Debt collection

I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX  XXXX customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.
Product: Credit reporting or other personal consumer reports

I contacted Equifax regarding their listing of an incorrect Date of Last Payment on an account listed on my credit report ( XXXX XXXX XXXX # XXXX ). I have checked with the original creditor and both XXXX and XXXX to determine the correct date which differs from the Equifax date. The extension of this drop off date is a violation of the FCRA and is used by companies to artificially extend the life of credit accounts that are beyond the State of Limitations and collectability. Equifax is currently reporting inaccurate and incorrect information regarding this account which has severely damaged my credit and prevented me from obtaining an auto loan and credit card.