23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother entered an assisted living facility at the beginning of XXXX. I held power of attorney over her medical and financial responsibilities. When filling out the paperwork I was very specific to the facility manager that I was signing on behalf of my mother as I held power of attorney and she was unable to sign for herself. They were completely aware of the situation. I however did not know I needed to put POA after my name. I think they knew this and did not disclose to me. The facility acted very understanding and said that they would help get the VA benefits and medicaid to pay when my mothers money ran our. My mom passed in XX/XX/XXXX. Her money covered all but the last 6 weeks which was about {$6000.00}. We were told at the beginning that the VA when processed would back pay but since my mom passed before they had completed the paperwork they stopped trying to recieve money from the VA and went straight to me for payment. I spoke with the facility manager and she did a total about face about the situation and said " if I was signing as my mother why didn't I put POA after my name '' and they " would never have allowed her in if their wasnt someone who was personally responsible for the debt. '' This was never spoken about when my mom entered the facility. I refused to pay and they sent me to a collection company who until recently did nothing about the debt other than send it to the credit bureau. I recieved a phone call from the collection agency in XX/XX/XXXX and I told them that this debt was not mine and I wou ; d not be paying it. They took the information and I did not hear from them again. Yesterday I recieved a letter from Wertjes Atkission Law, PS The letter stated I had 5 days to pay the debt to the assisted living facility or I could face legal issues, additional interest, and legal fees. I feel this is a scare tactic and done as a threat. This isnt fair as at this point with interest already accruing it would be impossible for anyone to come up with that kind of money in 5 days. Plus the letter was dated XX/XX/XXXX and I did not recieve the letter until XX/XX/XXXX. The 5 days already pasted. The letter also did not state any other options or contact information.
Product: Checking or savings account

I filed a claim last week for unauthorized card use that was denied. I dont feel as if a thorough investigation was completed. Someone used my card at a hotel. If they check the cameras Im sure they would see its not me. I will be filing a police report as this has thrown me into an awful financial position and displaced me from my living situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection for XXXX and account was paid at XXXX  ...
Product: Credit reporting, credit repair services, or other personal consumer reports

paid off a home equity account on XXXX-17 to SRA Associates who was a debt collecter for XXXX XXXX for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to SRA associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from SRA is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
Product: Credit card or prepaid card

I used to hold a BankAmericard credit card from Bank of America. In mid-XX/XX/XXXX while living in working in XXXX XXXX, I had an unexpected work-related accident which caused me to be hospitalized. Ultimately, I had to leave work on FMLA and return home to XXXX XXXX I was struggling to make payments with many lenders, especially due to the very high cost of COBRA and due to ongoing procedures needed from the accident. My other creditors agreed to either defer, lower or else alter the terms of repayment ; but, Bank of America refused and didnt care. I continued paying until I no longer could. In mid-fall XX/XX/XXXX, I called and spoke with a female representative, explaining my situation. Her direct order to me was to stop paying [ my bill ]. I questioned whether this would become charged-off, why she would advocate for that, and if she would kindly escalate the call. She simply repeated herself to not pay it, and she continued refusing any escalation, despite my ongoing requests. I finally advised her that I would likely not pay, per her instructions ; and she advised that I would be okay and that the bureau reporting would be OK. However, they did report it as late/delinquent, and it was indeed charged off. I am now unable to obtain credit, such as to support myself in XXXX school, because of this and similar situations. Bank of America was hostile, vindictive, manipulative, unfaithful and simply didnt provide customer service ( would NOT escalate the call ). This charge off is unfair. They have repeatedly refused to amend my various credit reports despite repeated attempts.
Product: Credit reporting or other personal consumer reports

In the preceding XXXX months, l 've made repeated requests to Experian for an investigation into a particular account, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of meeting FDCPA requirements. Consequently, I am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Experian to meet its obligation by conducting a thorough examination into this matter. Supporting documentation is attached to this complaint to support my claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of   XXXX    and Experian. It is past the  seven  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to   XXXX  . I have made no payments whatsoever past   XXXX   yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83 Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX  Times XX/XX/XXXX Days Late XXXX ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Portfolio recovery add a derogatory mark in my credit report at XXXX XXXX  upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to TRANSUNION regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance
Product: Debt collection

Today XX/XX/XXXX at XXXX after the mail ran. I got 2 letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and XXXX XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid two payments toward 1,000 Life Loan that I did not get to use. I was XXXX from this band still not able to work nor do I have a car or a way to earn money and do not have enough work credit to collect more than XXXX a month and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. I am sick. The accounts keep coming back as verified and a professional hacker that charges 3,000 an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked 23 times and they have key loggers on my account. I have had to move 53 times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had XXXX XXXX used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every 15 seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for 1200 bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXXXXXX XXXXXXXX and XXXX and so much more. I want this handled after l8 years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a tax lien on my Equifax credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I received a dispute resolution on X/X/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 361, page 105 in  the purported amount of {$2000.00}.
Product: Vehicle loan or lease

Lender refused to email me the lien letter and XXXX unless I call them, requested a copy of the contract which they email me, after several attempts from XXXX XXXX XXXX which they refused to email me the contract and identifying myself to the dealer by email, they never sent me the information requested ( vehicle contract ) I had to travel to the dealer to get a copy and after reviewing the contract I realized some signatures were not mine to add they didn't even have a copy of my Drivers license. the vehicle in question was reported stolen and a certified letter to release to the vehicle, at such time they claimed the vehicle was given to a person who's driver license was expired who had an accident and the vehicle was towed to a body shop.
Product: Debt collection

I signed up with XXXX XXXX  with monthly payments, they didn't tell me that it would be paid to a collection agency that would be reporting on my credit as a collection.. I tried to cancel but they wont let me cancel. They also added an extra {$500.00} onto my account and I cant use any services. They said that the services would be discounted but it better to go thru online or XXXX.. I really want to cancel because I'm giving them free money for nothing and also them removed from my credit report. Thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Monterey Collections SV - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX XXXX, On XX/XX/year> I disputed an account reported by Monterey Financial in the file you maintain under my Social Security number. 
I was informed on XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my Rooms To Go account ending in XXXX was closed by Synchrony Bank. According to them, the account was closed due to my credit score, excessive accounts, and too many inquiries. However, I have never missed a payment on this account or any other, as reflected in my credit history. 

Despite reporting the account as closed, it remains active with a balance. When I contacted Synchrony Bank, the agent confirmed that I am still under a no-interest promotional plan for a specific period and am actively making payments. This raises a contradiction : how can the account be considered closed if it has an active promotion, a balance, and ongoing payments? The closure only removed my ability to make new purchases ( spending limit ), not the account itself. 

If the account is indeed closed, there should be no remaining balance or payments. This inconsistency needs to be corrected on my credit file. The account should either be accurately reported as active with a reduced or removed spending limit or remain open. The current status is misleading and is negatively impact my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written XXXX XXXX ( XXXX XXXX ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.
Product: Student loan

In XXXX of 2024 I was granted relief from my student loans pursuant to my Borrowers Defense to Repayment by the Dept. of Educarion. The award should relieve me of the entire debt which was {$210000.00} including interest accrued. My loans have not decreased despite the servicer, Nelnet indicating the credit has been applied. My dashboard with the servicer indicates my original loan was over XXXX XXXX which is incorrect.
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.