23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. 
I never received any communication or letters from this agency. 
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. 
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. 

XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. 
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). 
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Hi- I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. 
This letter is a formal complaint that you are reporting inaccurate credit information. I am very XXXX that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 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. 
XXXX XXXX - XXXX - Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agree/never late. 
XXXX XXXX - XXXX - Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agree/never late. 
XXXX / XXXX - XXXX - This account is NOT reporting completeness and accuracy. Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX - XXXX - This account is NOT reporting completeness and accuracy. Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX - XXXX - This account is NOT reporting completeness and accuracy. Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX XXXX - XXXX - This account is NOT reporting completeness and accuracy. 
Your company is not assuring maximum possible accuracy. Please delete this account from my consumer report. 
XXXX XXXX  XX/XX/XXXX - Please delete this unauthorized hard inquiry IXXXX XXXX XXXXXX/XX/XXXX - Please delete this unauthorized hard inquiry 1 of 5 XXXX XXXX XXXXXX/XX/XXXX - Please delete this unauthorized hard inquiry The listed item is completely inaccurate and incomplete and is a very serious error in reporting. 
Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collection account created by XXXX XXXX ( XXXX  ) of XXXX, NC with XXXX XXXX XXXX of XXXX, GA after funds had already been received. I, tenant, vacated premises. XXXX has admitted that they can not verify if any funds are still owned and have presented me a ledger ( attached ) showing no balance being owed. Still, a {$15000.00} collection has been attached to my credit report. The collection agency failed to notify me of collection to begin with, and additionally is leaving verification of the debt up to the XXXX. This is negatively impacting my credit score and my ability to establish new credit or secure housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on EquifaxXXXX report its been over 2 months no results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two disputes with Experian credit report I have tried summiting the disputes online the website tells me I cant dispute it because I already have on the same subject, which is untrue and to call. When I call they refuse to help resolve this and are rude. It seems they are purposely doing this to be retaliatory for previous lawsuit and have no intentions on making it right. 
First dispute is for XXXX XXXX XXXX they are reporting I opened an account in XX/XX/XXXX which is not true the account was opened in XXXX also the amount {$1500.00} is incorrect. They have erased this very item from my credit report for being inaccurate yet they keep adding it back on. Second I randomly had an inaccurate address show up on my report a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute it, it would not allow me to dispute it and said it was reported by XXXX XXXX associates the very creditors that was trying to sue me and it said in order to remove it I have to contact them. Experian 100 % knows this is inaccurate and I believe is working with this creditor. Both of these credit companies tried and sue me and I got my attorneys involved to put a stop to it. I believe this is retaliation.
Product: Credit reporting or other personal consumer reports

Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$5800.00} from XXXX XXXX XXXXXXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2025. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to Equifax, XXXX and XXXX regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.
Product: Checking or savings account

XX/XX/2021 I checked my balance on mobile app, figured funds were low. Had ACH transaction scheduled ; went to drive thru to make deposit-both drive thru ATM machines were unavailable. Went to walk up ATM -same problem. 

XX/XX/2021 same situation. Now saw on mobile app that {$29.00} return fee will be charged. Stood on line to go inside to make a cash deposit ; was told I would need to contact representative either by phone or message to her {$29.00} returned to my account. Sent message inquiring if {$29.00} could be returned to my account & if I could make cash deposit at other location, ( but that location HAD CLOSED with no REOPENING DATE ).
Product: Credit card

We purchased furniture from Rooms to Go using their no interest card card. We made our first payment in XXXX and continued to make monthly payments each month when we paid all our bills from our monthly income check which usually arrived on the XXXX of the month. Our second payment was made on XXXXXXXX XXXX Synchrony determined that we had made our payment too early and credited it not as a regular monthly payment but as a balance reduction. So, when we made our XXXX payment on XX/XX/XXXX, they credited it as our XXXX payment after the due date and applied it as a late payment. We became aware of the issue in XXXX when we received an email telling us we had a late fee. After speaking to a representative she asked us to make an additional payment and change our scheduled payment date to later in the month and she would remove the late fee and all would be reset. We made the extra payment and nothing ever changed. We have made dozens of phone calls to their customer service office and their staff could see and understand the problem but did not have authority to fix it. Our calls as well as our emails to the corporate office always went to voicemail and we're never returned. Our frustration is through the roof. Please help us resolve this. Thank you XXXX and XXXX XXXX We are unable to attach any significant documents at this time but can provide them in further communications
Product: Mortgage

The mortgage on my property in XXXX, Oregon was originated by XXXX XXXX XXXX and subsequently servicing on the loan was transfered to Newrez/Shellpoint in early 2021. The property is in a flood zone and flood insurance as well as homeowners insurance was in place on the property at the time of origination ( and is currently in force by the same insurers ), the premiums on which are paid via an escrow account on this mortgage. All payments on the mortgage have been paid as scheduled. In late XXXX and early XXXX, 2021, I began receiving notices from Newrez indicating that the property was uninsured, that force placed insurance is ( and in one notice had been ) placed on the property. Checking with my flood insurance agent, I discovered that the premium had not been paid and the premium was overdue. To prevent a lapse, I made the premium payment directly and had the insurance agent send a notice of premium paid and declaration page sent by email to Newrez ( copy attached, dated XX/XX/2021 ). I called Newrez at that time and told them that the premium had been paid by me and that a receipt had been emailed ( to an email address they had supplied me on a previous call to discuss this issue ). Subsequently, I received a notice from Newrez that they paid the premium for flood insurance directly to the insurance company on or about XX/XX/2021. The insurance company verifies receipt of the premium and will issue a refund to me sometime toward the middle of XXXX. In addition to the issues with flood insurance, Newrez has sent notices regarding non payment of the premiums for homeowners insurance, which can be seen on the attached notices. In conversations with Newrez at the first part of XXXX, they promised letters to me, stating that all insurance matters have been cleared. To date, I have no such letters. Newrez told me that they had mailed on three occasions starting in late XX/XX/2021, a checklist related to the flood insurance to my insurance agent and that the checklist had not been returned ( they indicated that the insurance would not be considered in force until they had that checklist in hand ). I asked about the address Newrez mailed the checklists to and pointed out that they neglected to include the po box number for the insurance agent ( which appears on all correspondence from the insurance company I can locate ). Nearly two months have elapsed since there was an indication of an issue with this escrow account and no full resolution is evident. I have no confidence that this account will run as it should going forward and I would like a full and complete dated accounting for my records, including confirmation that correct addresses and email accounts are in file and all issues are satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

I have filed the correct fraud paperwork per the FCRA to remove fraud from my credit report that was caused by identity theft. They paperwork has not been processed properly and I have not been given copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

Ive been banking with Chase Bank for 10 Years I have a checking account and two credit cards. I do Direct deposit with them I get paid every week on Friday with Chase but I've been on XXXX from work its been harder to pay the bills but Chase Bank closed my account XX/XX/XXXX. I called Chase to ask them why they said I'm bad for Business and they get to pick there customers. I was never told by Chase Bank how I can stop over drafting i was getting hit with {$35.00} fees I can't look at the total but add that all up I'm at {$1000.00} in fees. Chase Bank should of helped me not robbed me and they kicked me out there door. I was never told that if I over draft in my checking account have a savings, overdraft peotection, link an account or link a credit card.
Product: Checking or savings account

Six years ago I was told by my bank ( PNC ) that it'd be in my best interest to invest in rolling over my XXXX into an IRA with them. My XXXX though I hadn't invested any money into it in 3 years it was growing good! It had grew several XXXX dollars with it just sitting. I also had company stocks. PNC charged me {$3000.00} to roll it over. I've yet to make that money back! Let alone any profit as promised! Also my stocks didn't transfer with my rollover. They said I have to write some company a letter! So why did I pay {$3000.00} cash for??? I still have to do the work?! So idk where my company stocks are! My company stocks we're from XXXX. I'm still frustrated and so very regretful of this rollover with PNC. My money was fine where it was! I rolled {$15000.00}, cost me {$3000.00}, my balance is {$14.00}, XXXX.
Product: Vehicle loan or lease

Details : I am filing this complaint against Santander Consumer regarding the excessive phone calls and lack of follow-through on promised assistance with my car loan. 

In XX/XX/year>, I reached out to Santander because I was experiencing financial difficulties and began having trouble making my car payments. The frequent calls from customer service became overwhelming, so I sought assistance from Santanders corporate office. 

I spoke with a representative from corporate who assured me that Santander would work with me to address my financial hardship. I explained that I had to return to XXXX and was struggling to meet my payment obligations. This representative promised that Santander would either restructure my loan or defer my payments to the end of the loan term. However, despite these assurances, I never received a follow-up from the corporate office or the representative. 

Since then, the harassing calls from customer service have resumed, adding significant stress, particularly during the holiday season. Despite repeated efforts to resolve this matter, when I contact Santanders corporate office via email, they either claim they do not offer such a program or direct me back to customer service, who have not been helpful in addressing my hardship.

I understand my rights under the Fair Debt Collection Practices Act ( FDCPA ), which include the right to request a cease in communication and to limit communication to specific channels. I have previously expressed in writing my request to only communicate with corporate about my account, yet my request has not been honored. 
The lack of follow-through and constant harassment by customer service has caused me undue emotional distress and further financial strain. I respectfully ask for CFPB intervention to : 1. Investigate Santanders failure to provide promised hardship assistance.

2. Address their excessive and harassing phone calls.

3. Ensure they honor requests for limited communication as outlined under the FDCPA.

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

This is with regards to American Express Business Credit Cards that have misleading advertising and promotion marketing policies, and have customer service that has designed to not serve customers but to charge predatory interest rates to make account go into collection so they can charge more interest and fees. As an example, my account had a balance of less than $ 4K in balance and I had requested them to look into some disputed charges and to get rid of some fees. I have written evidence of submission of dispute requests and was promised customer service would take care of it. Customer service however did nothing for 9 months, all the while charging fees and interest, bringing account balance to over $ 9K and trying to bring account to collections. 

As an example, I was charged following predatory fees and interest after I was promised promotional interest rate of 0 % which was then arbitrarily removed.

XX/XX/XXXX : {$38.00} + {$220.00} XX/XX/XXXX : {$38.00} + {$210.00} XX/XX/XXXX: {$38.00} + {$230.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$180.00} + Reversal of {$1800.00} XX/XX/XXXX : {$38.00} + {$200.00} + Reversal of {$180.00} XX/XX/XXXX : {$39.00} + {$190.00} XX/XX/XXXX : {$39.00} + {$200.00} CFPB needs to take immediate action against such practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has removed all my accounts from my credit report again causing my score to drop to the low XXXX 's. When my score should actually be XXXX. I have contacted them before, they fixed it and then they did it again. They removed all my accounts from my profile causing my score to drop once again. I want them to fix the information once and for all.