23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, paid the remaining balance on my {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX by Barclay, and called their customer service to request that the account be closed. Barclay initially did not want to close the account, but instead tried to sell me other services. It is only after insisting that I was told that the account was closed. 

Surprisingly, I continued to receive emails each month about an upcoming statement and charges due the following month, and each time I called Barclay to remind them that I paid the remaining balance, destroyed the credit card, and requested that the account be closed. 
Last week, I receive a notification about a delinquent account, and when I checked I noticed that Barclay had taken us to collection for XXXX dollar ( {$4.00} ) and that it has caused both my credit score and my wife credit score to decrease by XXXX points. 

Barclay never notified us of any balance due and again when I requested to close the account, the balance was paid in full. 

I have attached the latest email from Barclay stating that I have a minimum payment of of {$29.00} due on XX/XX/XXXX as proof of this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on XX/XX/26.18 ran to Application ID : XXXX & XXXX with out my permission
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX HARD INQUIRIES DELETE SINCE IT DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

I recently mailed out a letter to Money Lion disputing a charge off account reporting on my consumer report, i requested this account to be deleted and no effort was made to remove this account, As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes youre reporting of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Debt collection

I received collection letters from TRS recovery services dated XX/XX/2023 on XX/XX/2023. Their letters stated that I had until XX/XX/ 2023 to dispute the debt or it would be considered valid. Their letters also state that you can dispute a debt or request verification of debt by submitting a request on their website. I made attempts to submit the form on their site multiple times to dispute the debt and request verification. However, their web form does not work and always comes back with an error. On XX/XX/ 2023 I completed a paper dispute form from their website and requested they provide proof of the debts they said I owe and faxed it to the number provided on their form. I have yet to receive any verification of debt from them. On XX/XX/2023 I received letters dated XX/XX/2023 attempting to collect on these debts even though I had submitted a dispute and the FDCPA requires a Debt Collector to cease collection of debts until it provides required verification. TRS recovery services has violated my rights under the FDCPA by not providing required verification and by continuing to collect debts when a dispute has been submitted.
Product: Debt collection

Collection on credit Report 19 months old. No contact or attempt made to notify of payment owed. 

Diversified credit has placed a collection on my credit report for an outstanding XXXX XXXX XXXX cable invoice from XX/XX/XXXX. This account was to our knowledge closed and paid in full upon moving. We never received any documentation or notice of the outstanding balance owed. The first knowledge of this debt was upon working with mortgage lender to close on a home in XX/XX/XXXX. The dating of this debt per XXXX XXXX XXXX and Diversified XXXX is 21 months old and has just appeared on my credit report XX/XX/XXXX. If this invoice was received I would have made due payment. However in trying to work with both XXXX XXXX XXXX and Diversified XXXX they are unwilling to assist in clearing this from my credit report despite my eagerness to pay in full. To my knowledge this debt did not exist and was unable to pay what I was not aware existed. Note, a bill was not received at the forwarding address at anytime. 
Unable to attach statement below as not provided by either XXXX XXXX XXXX or Diversified XXXX although requested twice.
Product: Credit reporting or other personal consumer reports

I file my dispute letters to the credit bureau XXXX XXXX, Equifax, XXXX, over XXXX times and no results of inaccurate information on my file, they are violation my consumer rights, Charged Off accounts -15 US Code 1601 Collections 15 US Code -1692C Late Payments - 15 US Code 1666b Hard Inquires - 18 USC 1028A Which these agencies is at fault of 15 USC 1681n,, which can result in Civil Liability
Product: Vehicle loan or lease

Bought car at XXXX in XXXX CA XX/XX/19 finance company American Credit Acceptance interest rate 28 % I believe this is a violation of CA Usury Law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX erroneously reported that my account in good standing with them was included in a new bankruptcy. I filed bankruptcy in XXXX the bankruptcy case was closed in XXXX. All debts included have been discharged. The account with credit one was opened AFTER bankruptcy and was not included. I have nor will I ever again file bankruptcy. My accounts are all 100 % paid on time. This is erroneous and possibly retaliatory because I reported them to your agency for incorrect balances a few months ago. They also show the account as closed. It is not closed, I still make payments, my online account is still open. They need to fix the following errors : Remove the erroneously reported new bankruptcy. Thet need to accurately report the account as open in good standing ACROSS ALL CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report I have noticed two accounts reporting as a charge-off. The two accounts reporting were from ACIMA DIGITAL FKA SIMP. On XX/XX/2024 I mailed a letter to them requesting a copy of a 1099 form associated with my account. In the same letter I requested a copy of as a promissory note or any relevant documentation related to this account. On XX/XX/2024 ACIMA responded to the request stating that " a 1099-C is not appropriate as we have not performed a " cancellation of debt ''. In this letter they have also stated " some information we reported was inaccurate ''. On XX/XX/2024 I mailed out via certified mail my correspondence. I stated that they're in violation of 15 USC 1681S-2 ( a ) ( 1 ) ( a ) reporting information with actual knowledge of errors. I also requested in that letter a list of requested information from ACIMA DIGITAL FKA SIMP from their investigation. I requested a list of questions 1-10 of who investigated these accounts. I requested a notarized affidavit that their responses were true and correct. They have failed to respond.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

This account was previously removed from all XXXX credit bureaus due to fraud, but a new third-party creditor has acquired it from another third-party creditor stating that is was for a XXXX XXXX XXXX XXXX account , and reinstated it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. I requested to see the original signature that I agreed to on the contract for this XXXX XXXX. Reference # XXXX. ACCOUNT NUMBER ENDING IN : XXXX, I also Requested to know has there been any insurance claims found on this debt? I wanted to see the chain of title that allows you to collect on this debt, and I wanted to see the chain of title that allows you to collect on this debt in the state of Georgia. The account is closed, and XXXX XXXX has claimed insurance on it. Neither Resurgent Capital Services nor LVNV Funding LLC is legally entitled to collect on this account. None of this has been provided to me by neither of the third party collection company.
Product: Credit reporting or other personal consumer reports

Hi I found fraudulent account on my credit report please delete this account Account name XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX $ XXXX date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/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. XX/XX/XXXX I never authorized any of these companies to obtain my credit report.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX 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 a customer service representative.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Act ( CFPA ) has recently filed lawsuits against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected or removed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates the federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$640.00} -Late/Open Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed an account with Experian regarding a debt amount being incorrect. I submitted receipts, as well as dates for payments made to XXXX XXXX XXXX XXXX to account number XXXX in amount of {$74.00}, yet the amount being reported is inaccurate. I have proven that the amount owed is inconsistent with what I am being pursued for, and the incorrect balance has remained on my credit report. Both Experian, and XXXX XXXX XXXX XXXX have made serious errors on my behalf and this has left my credit worthiness in an unfair status. Due to this error, I have been denied for financing.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX According to 15 U.S.C. 1692 its illegal to share information about credit report your in violation frca please remove from credit report
Product: Debt collection

I have sent debt verification requests via certified letter to Midland Credit= {$820.00} XXXX XXXX XXXX {$250.00} I have received a letter from XXXX XXXX stating that the collection would be removed from my report. It is still active after 60 days of promised removal. 

Midland Credit stated the same. It was to be removed from my credit and is still active after 65 days. 

The collection for XXXX XXXX still states in the collection process when it should read IN DISPUTE. Thank you
Product: Vehicle loan or lease

Subject : Formal Complaint Against Northwest Bank for Unjustified Refusal of Car Payment To Whom It May Concern, I am writing to formally lodge a complaint against Northwest Bank concerning their refusal to accept a car payment of {$1600.00} for my auto loan account, without providing any formal notice or justification. This action has caused significant inconvenience and potential harm to my credit rating, and I seek immediate intervention to resolve this issue. 

**Details of the Complaint : ** - **Account Information : ** Loan Account Number : [ XXXX ] Vehicle Details : [ XXXX XXXX XXXX XXXX XXXX, XXXX  ] - **Incident Description : ** On XXXX XXXX, I attempted to make a scheduled payment for my auto loan through an external bank transfer, from my XXXX  personal checking account. However, Northwest Bank refused to accept the payment without any prior notice or explanation. This refusal occurred despite my account with XXXX XXXX  being in good standing and having the verified funds. 

- **Consumer Protection Concerns : ** Under federal consumer protection laws, particularly those concerning fair lending and debt collection practices, financial institutions are required to provide borrowers with clear communication regarding their accounts. Northwest Banks failure to accept my payment and their lack of communication constitutes a breach of these obligations and may violate regulations under the Consumer Financial Protection Bureau ( CFPB ). 

**Impact on Consumer : ** - The refusal to accept my payment has caused undue stress and confusion. 
- This incident could potentially impact my credit score and financial standing, as it may be recorded as a missed payment. 
- I have incurred additional costs and time in attempting to resolve this issue directly with the bank, with no satisfactory response. 


Please find attached copies of relevant documents, including correspondence with Northwest Bank and any other supporting materials. 

I trust that the CFPB will address this matter promptly to ensure compliance with federal consumer protection standards. I look forward to your swift response and resolution. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE I HAVE NOT OPENED UP ACCOUNT WITH THEM I ADVISED THEM THAT THIS WAS A FRAUD ACCOUNT AND DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack leaked my SSN, date of birth, and address. The company had an unacceptable level of security and over 100 million people got XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of ID theft and Fraud, it puzzles me as to how a reliable credit reporting agency such as Experian can be so negligent in their reporting. I've been disputing an address on my credit report as FRAUD for several months now. I have NEVER lived at this address, used this address, or been associated with this address. I've written multiple letters begging them to remove it as it is clearly associated with fraud and all they do is claim they updated it to a different apartment number. I am done asking nicely and am ready to pursue them in a court of law for their multiple violations. 

Most recently, I submitted several disputes to have several creditors updated to included in bankruptcy. I sent documentation with these disputes. Because I had disputed some of the accounts twice online, I was told that I would need to submit documentation. I submitted the documentation on XX/XX/2019. Experian FAILED to process these disputes. Additionally, the disputes they have processed were not processed accurately and now those accounts are not only a violation of the FCRA, but are now violating the US Bankruptcy Protections. They allowed the creditors to update the accounts with further inaccurate damaging information which dropped my credit score 100+points. Creditors do not get to pick and choose whether they want to be included in the bankruptcy or not. Experian is giving them a choice despite the documentation provided to them and the verified bankruptcy filing. This is illegal and I will not stand for it.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stem from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly. 
XXXX XXXX Balance : {$4600.00}
Product: Payday loan, title loan, personal loan, or advance loan

I received a resolution from Affirm confirming that the loan that was opened under my name doesnt belong to me and that loan was closed. When I called about a month ago, I spoke to someone who explained they would update my new phone number and email address so that my information is correct. However, after attempting to login using the correct phone number, I was told I have another account. I called today just to be told that my name is still linked to this loan and that my account can not be closed and that again I would have to wait another request and wait 5 days for my profile to be updated. I am so sick of the run around I have been given everything I call. I dont understand what is the problem and why my personal information can not be deattached from this number that no longer belongs to me. I no longer wish to have an account with Affirm at all but before that takes place, I need them to remove all my information from their system and close any accounts related to my name. I need this loan information to be added to the correct profile and removed from any history within my information. The way this business has handled this situation is beyond traumatic and ridiculous. Please close any accounts linked to my name and remove any association to any loans that were not authorized by me. I have never requested a loan from you all and you know this since you sent me notification that this loan did not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a kitchen suite from Best Buy. When it was time to pay I told the sales person that I was using two different cards, some on my Best Buy card but I only wanted to put like {$1200.00} on my bbcc so I didnt max my card out. He told me Im sure theyve given you an increase as I replied to him that they had not and I would know if they had. I told him to call Citi Bank to see if they would give me an increase, he swiped my card and over drew my account. I was furious when a few days later I noticed my XXXX lowered my credit limit to were its almost to the XXXX, XXXX did the same thing as well as XXXX XXXX. 
I had a credit score that was pretty good and I know Ive used my spending is getting high but Im trying to help my XXXX daughters which they both have XXXX yr olds, Covid isnt helping anymore anyone. The guy at Best Buy really messed my credit up and Im almost in tears every day because if I need to go buy a car for instance I cant. Not one person at Best Buy or Citi Bank even tried to compensate me which I could care less I want my credit fixed, I wasnt the one who messed it up but I have to fix it. I dont think people understand how hard it is to take care of this and watch XXXX babies. Please, Please tell me we can fix my credit! I told that guy what he needed to do and he didnt listen!