23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed that my joint Mortgage with my Ex husband was included in my Chapter XXXX bankruptcy in XXXX of 2015 and my responsibility written off. Initially, XXXX put the prop. up for short sale then removed it. I called to inquire & was told I could not file on joint prop & resp was still mine too. I get monthly bills & yearly tax statements. 

Regarding the Two individual XXXX accounts I had, I paid both off long before my bankruptcy through XXXX XXXX. I have case worker 's number who can provide payment history. It has shown in the past paid in full, on time, closed long before bankruptcy was filed. XXXX just had not marked accounts closed. When I disputed, the payment history and dates of payoff were removed.
Product: Credit card

The Amazon Synchrony Credit Card was closed for use in XXXX. However, there is still a balance I am paying on. Every so often I get an updated credit report saying that the card has been closed. The last XXXX times were in XX/XX/XXXX and XX/XX/XXXX, XXXX. This has a significant impact on my credit score. When calling synchrony bank they said they have no record of this.
Product: Student loan

My current interest rates are 7.5 % and 8 % and my current balance is over {$50000.00}. 

I was disbursed a {$22000.00} and {$22000.00} totaling {$45000.00} in 2013. The original principal was {$47000.00}. 

The total accrued interest is {$13000.00} on one of the loans and {$11000.00} for a total of {$24000.00}. 

Yes, the interest rate is variable, but increasing the rate so much has made the payment of this loan impossible and hopeless. The company also does not give me access to the history of the interest rate changes or the rationale used to explain the necessity. Refinancing the loan is an option, but I would be forced to accept an even higher interest rate. I am making over {$100000.00} a year but still I can not afford to pay any more than the interest on this loan, and I never have any hope of making dent in it. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged. that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork I have included proof to show my balance was paid
Product: Checking or savings account

In XXXX of 2018 I noticed 10 checks deposited into my bank account that I did not deposit. The morning it was noticed I immediately reported the fraudulent activity to the bank and was immediately treated as being the person who performed these transactions. I was treated as a suspect everytime I called and not as being a victim of identity theft. Many of the representatives from the company refused to provide me information as to how the checks were deposited and the location of where it was deposited. I was able to find out that this transaction happened in Washington, DC while at the time I was located in XXXX, TX. I was also told that the checks were deposited both through the ATM as well at the teller. My paychecks were being deposited into that checking account and it took 3 months before they release my money to me and subsequently closed my account. They reported me to chexsystems and has made it difficult for me to establish credit and open an account at a credit union. I don't think that they put in the effort to protect me as a customer and investigate fully what happened. To this day I don't know who used my account to commit fraud. The bank has falsely reported me as a risk and has ruined my life as a result. I request that the bank have my name removed from checking account reporting companies and I am requesting that this issue be investigated thoroughly. I am also requesting all bank statements leading up to the cancellation of my account so I can conduct an investiagtion of my own.
Product: Debt collection

Jefferson Capital Systems fraudently opened a collection account on XXXX, XXXX and XXXX. This has damaged my credit score by over XXXX points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and all they sent was my account information. This information was not enough to justify the debt and negative mark on my credit. They never sent a debt verification letter like I requested. They said my account was open on XX/XX/XXXX  and reported to credit report as of XX/XX/.
Product: Vehicle loan or lease

In 2015 I went to purchase a vehicle at XXXX. At the time I was XXXX and didn't qualify for any leasing companies except one. Exeter finance financed me at XXXX dollars a month as a XXXX XXXX XXXX with a minimum wage job. Although I am grateful that they allowed me to obtain a vehicle, 5 years later I am still paying XXXX a month and have nearly payed 4 times for what the vehicle is worth because my APR is 18.75 % +. the state max is 16! Of course i didn't know that this was Usery at the time. This has put me in financial danger ever since. I have XXXX children and the fact that a company can make a lease on a vehicle 4 times what the vehicle is worth is beside me. This company preys off of those who don't have the credit to purchase a vehicle them self so they step in jack up the price and and throw in a extreme APR. Im assuming nothing will get done about this so therefore I would at least pass on this information. Exeter finance has been caught price gauging and has already paid out XXXX XXXX for the same reason! 
STATE LAW OF TN Legal Maximum Rate of Interest 10 % ( XXXX ) Penalty for Usury ( Unlawful Interest Rate ) Contract unenforceable ; if found unconscionable, lender must refund charges, fees, and commission fees and successful plaintiff may recover reasonable attorneys fees ( XXXX ) ; willful collection is a Class A misdemeanor ( XXXX ) Interest Rates on Judgments 10 % or at contract rate ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

The company is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The company has been reporting false collection information to all three of the credit bureaus.
Product: Debt collection

In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. 

USAA SVG BK ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Checking or savings account

I went into one of the Bank of America in XXXX, GA on XXXX XXXX when I went to go deposit my cash in the atm it took my cash and didnt credit my account I was told I will have to wait until the XXXX to get my funds but I have bills I have to pay and need it today
Product: Debt collection

I was a victim of identity theft I report to the credit bureau and sent in police reports, and they will not remove it are they remove somethings and put it back on under a different name and different amount
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the company associated with the fraudulent account. The company has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years. But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents Please have this account deleted : XXXX XXXXXXXX AUTO XXXX
Product: Debt collection

XXXX XXXXXXXX XX/XX/year> XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Items and inaccuracies XXXX XXXX Account Dear XXXX, I am writing to formally dispute an error on my credit report regarding the XXXX XXXX account listed under account number XXXX. I have reviewed the details on my credit report and found inaccuracies that I request to be investigated and corrected. 

The issues with this account include the following : 1. High Credit Usage : The account shows 100 % credit usage with a balance of {$1600.00} against a credit limit of {$800.00}. However, this account is reported as closed. A closed account should not reflect active utilization in this manner. 

2. Payment History : The payment summary shows consistent " CO '' ( charge-off ) statuses since early 2024. I believe this information might be outdated or incorrect as I am unsure of its current validity. 

3. Account Status : Since the account is marked as closed, further updates or activity on the balance should not be reflected without further context. 

I request that you verify this account with the creditor and provide clarity on the following : - The current balance and how it is being reported despite the account being closed. 
- The validity of the payment history displayed for XXXX. 

Additionally, if the creditor can not validate these details, I request that this account be removed from my consumer credit report accordingly. 

Enclosed, I have included copies of my ID, a recent utility bill for address verification, and the screenshots of the credit report details for your review. 

Please investigate this matter and provide me with a response in writing. I appreciate your time and attention to this issue. 

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

I noticed several hard and soft unauthorized inquiries on my credit report that needed to be removed. TransUnion did not properly investigate my disputes and failed to remove or reinserts errors on my report, threatening my access to credit, employment, and housing starting from XXXX until XXXX. My credit score isnt correct nor have my Legal name have been corrected XX/XX/XXXX I reached out to the company about several soft and hard unauthorized inquires like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX and told me to write a letter. My credit score use to in the XXXX.
Product: Debt collection

Portfolio Recovery Associates has been harassing me with phone calls and mailings for years over a credit card bill from XXXX XXXX which is over 15 years old. I have repeatedly ask them to stop contacting me and I have been ignored. I became XXXX XXXX in 2000 with a XXXX XXXX XXXX and I have no way of paying the approximately {$1000.00} they say I owe. I am XXXX years old and their harassment is making my condition worse. Please, I need your help to get them to stop contacting me.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violates the Consumer Protection Act ( CFPA ). Specifically, Cash App ( Block , Inc. ) failed to take timely and effective actions to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I obtained inflight offer to earn XXXX bonus miles after spending {$3000.00} in the first three months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card. Chase didnt approve my application based on too many credit cards open in the last two years. 
According to terms and conditions on the application : this product is not available to either ( 1 ) current card member of this credit card- which I am not, or ( 2 ) previous card member of credit card who received a new card member bonus for this card within the last 24 months-which I had closedmore then 24 month ago on XX/XX/2016. See attached. 
The conversation with the supervisor of Chase was fruitless. 
Chase implemented the criteria : if you open more then five general credit cards in the last 24 months, youll be rejected, but they never disclosed it. 
In my case I had two store cards that is not supposed be accounted. 
Not fully disclosing ALL the conditions is a violation of the TRUTH IN LENDING ACT.
Product: Credit reporting or other personal consumer reports

My credit union provides a service to view my credit score every month. In XXXX I viewed my credit score and it was downgraded by XXXX points, from XXXX to XXXX. I was surprised because I have been steadily improving my credit score by paying my XXXX credit cards off every month to zero balance and using less that XXXX XXXX of my available credit every month. This is what I was told to do by the credit reporting agency. I contacted them via their XXXX XXXX since that was the only customer service I could find and after XXXX weeks of communicating with me the only thing I could get out of them was 'how they computed the scores '. I pointed out to them that my scores have been steadily going up and I had a 'XXXX ' score for Payment History, an XXXX ' score for Credit Usage, a XXXX ' score for Account Mix, a XXXX ' score for Credit Age, and an XXXX ' score for Inquiries. I pointed out that my XXXX score was XXXX. I pointed out that nothing had really changed in my credit reporting except that I was staying under XXXX XXXX  credit usage and paying off my credit cards every month. I talked to a supervisor and she said to call their 'Corporate Escalations Team ' so I did but they would never answer the phone and sometimes called me back when I was unavailable so I would call them back but they never answered the phone with a live person. So I could never explain to them my complaint. I am severely impacted by this XXXX point downgrade because I am doing exactly what they told me to do, and I am working hard to get my credit score improving so that I can have better credit and then they downgrade me by XXXX points for nothing. When I was communicating with them through XXXX I asked them to tell me why I was downgraded and they never gave me any explanation at all that made sense. All they kept telling me was how they computed credit scores. I would like to talk to their 'Corporate Escalations Team ' but they never answer the phone,, they always call me back once and I have so far missed their calls. I want them to reverse the XXXX point downgrade and, in fact, I want them to adjust my score to over XXXX because I am using my credit responsibly and am doing exactly what they tell me to do, I use less than 30 % of my credit and I pay off my credit cards to zero every month. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished TRANS UNION XXXX XXXX XXXX XXXX inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX  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 a account without my written instructions.
Product: Checking or savings account

This is in reference to an old Chase account that was closed in XX/XX/XXXX due to fraudulent activity on the account. Till date, I have not received refund of my account balance after account closure. The balance was closed to around {$6000.00} and some transactions were under dispute. 

I've exhausted all avenues to get this resolved. till date I have not heard anyting from Chase regarding the resolution of my account dispute. The balance on my account close to {$6000.00} just vanished and account closed. 

Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Attachment : letter to chase
Product: Credit reporting

I have been disputing several accounts with Equifax for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Equifax is violating my rights under this law. I sent out two separate letters to Equifax and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection account : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had all 3 credit bureaus remove an old debt from XX/XX/2014 ( estimated ) that XXXX sold to a debt collector named Contract Callers Inc. due to not having a contract with Contract Callers Inc and the age of the debt. They disputed my dispute and XX/XX/XXXX and XXXX XXXX added it back to my report. Contract Callers Inc made the debt date new and they continue to report this old debt of {$100.00} over and over. Had I not challenged it, it would have already dropped off my report on its own ( I didnt owe XXXX that money anyway but thats not in play here ). Its unfair this company has extended the time period it shows on my credit report. It should be removed immediately.
Product: Checking or savings account

The transaction dates and account balances are always incorrect. On the app and on their website. They also make money transfers without my knowledge or permission. The overdraft protection does not protect against overdrafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending correspondence to XXXX  since XX/XX/2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.