23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Checking or savings account

I am writing to file a formal complaint against Upgrade Bank regarding the sudden suspension of all my accounts without prior notice or explanation. 

On XX/XX/year>2025, I got email notifications from Upgrade Bank that my accounts has been suspended due to unexpected activity, and despite waiting for several days, the bank has not contacted me or provided any explanation for this action. The funds in my accounts were allocated for paying my credit card bills, and due to this suspension, I am unable to make timely payments. This situation puts me at risk of incurring high interest charges and negatively impacting my credit score. 

I have reached out to the bank, but they can not provided any updates or solutions. This lack of communication and transparency is unacceptable and has caused me significant stress and inconvenience. 

I kindly request CFPB to investigate this matter and ensure that Upgrade Bank provides a prompt resolution. I believe I am entitled to an explanation and the immediate restoration of access to my accounts. 

Thank you for your attention to this matter. Please feel free to contact me if you need further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding the XXXX XXXX that was reported inaccurately on the file the manager reviewed the submitted documents and advise that she requested to have the account deleted due to the documentation submitted she also documented the file and advised it would take about 72 hours to be deleted and provided me with the confirmation number of # XXXX. I then contacted Equifax on XX/XX/XXXX and was advised it was removed however, they removed the wrong XXXX  account. When I called to advise then they gave me the run around and refused to help me.
Product: Credit card or prepaid card

I purchased these so called Hoya plants from someone from XXXX purchased on XX/XX/2021. Even form the beginning I should have known better she kept telling me she only accepted payment by wire transfer or XXXX friends and family only. No other form of payment that was safe for the buyer. This was for a lot of money too. She wanted me to pay her multiple times not the entire amount at once either. The total came to almost {$3000.00} she wanted. Four different payments of XXXX then XXXX then XXXX and then I paid her in Russian currency of XXXX RUB. She wanted them sent al on different days. She then sent me an empty box with newspaper which I then reported to her and she claimed that it must have been customs because its not legal for her to ship them ( which I had no idea of! ) and that there should be a slip inside. There wasnt anything. I was extremely upset and wanted my money back to which she told me NO. I went to photograph our conversations on XXXX messenger and she DELETED all of the texts she sent! So I have no idea what to do! The fact that Discover stated because I have high amount of disputes ( which are ALL genuine ) is just outrageous and horrible service. They did not contact me for any information about MY side of the story. I was SCAMMED and Im extremely upset about this. They refunded me the other transactions but now denied me this one for no reason! This is not the first time Ive had issues with this credit card company not following up with my side of my story and at this point I will not be using them anymore!
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive trade practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX XXXX XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Mortgage

I have successfully gain a loan modification now over 6 months with Select Portfolio Servicing ( SPS ) through the assistance with XXXX XXXX Law Offices. I have documentation of the completion of the loan modification process and closing. I have abled my trust and confidence to re-establish creditworthiness with SPS and agreed to the terms of the contract, loan restructure and acknowledgements thereof. SPS states to me after I successfully completed the process only after my inquiry because of my BK filing 8 years ago ( discharged ) that they are not required to report and have no intentions on reporting my monthly payment history according to the current agreement. This was my last conversation I had along with a third party ( XXXX XXXX XXXX ) at Law Offices to speak with SPS authorized to speak on my behalf. I find this to be a major setback, not able to regain and build my credit and it restricts me from my efforts in paying on time and agreed. 
I absolutely love the new loan and the fresh start and feel I 'm getting robbed of the benefit of paying as agreed. I would like resolution for SPS to report my pay history to the bureaus each month according to how I am paying. If this can not be achieved, I am open to other options, ie stated letter every 3 months of my pay history so I can forward to the XXXX credit bureaus so they will be updated.
Product: Credit reporting

Experian put my first name incorrect and inaccurate.My first name is " XXXX '' but Experian before put XXXX and now XXXX.Because of my incorrect name, inquiries from different companies and other credit information do not add with my Experian credit report.So my credit report generated by Experian is incomplete, inaccurate and no credit score generates.several times I called them to fix it but they said, they could not able to fix my first name.when any company is getting credit report from Experian, because of incomplete report, they are refusing my credit or permit, license.Recently Massachusetts state Lottery Commission declined my Lottery agent application because of incomplete Experian credit report. while other XXXX Bureau like XXXX and XXXX are generating correct report and updated scores, they have my correct first name and all information.If other XXXX bureau have my correct name why Experian can not able to do! I do not need inaccurate and incomplete credit report because inaccurate report misleading the inquiry companies, they are misunderstanding about my credit performance.By law Experian have to use my accurate personal information because they are doing business using my credit report but Experian is refusing to fix my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the XXXX credit bureaus. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are also reporting d

ifferent dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 U
SC 1681 everything has to be 100 % Accurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by EXPERIAN. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXXXXXX 

I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX TUI ), XXXX XXXX, never late XXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX -TUI, XX/XX/XXXXXXXX, XX/XX/XXXX-TUI, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.
Product: Student loan

On XXXX XXXX, XXXX, I called Navient to ask for a forbearance while I changed banking institutions and updated my income driven information. I spoke to a representative, who prompted me to change my repayment plan. He took my SS # and bank account number. Navient charged my account on the XXXX of XXXX, per usual, however, " they '' were supposed to charge me on the XXXX according to the new contract. I contacted Navient on XXXX XXXX as to why I was charged, the representative could not assist me. I asked for a supervisor and was on hold for XXXX minutes.I never spoke to the supervisor. I hung up so I could call my bank and cancel that payment. 

The next day ( XXXX/XXXX/XXXX ) after reviewing the contract I had e-signed, I saw an address on the contract. I looked up the address using google and the first hit that was shown was " Navient XXXX XXXX XXXX, XXXX. '' I called Navient once again and they said they were not affiliated with that company. 

I used google to get the Navient phone number when I was connected to " Navient XXXX XXXX Services. '' How is it that this third person company had information about my loans? The reason I trusted this company and fell for their trap was because they new what should have been private information. After calling the XXXX Navient, they disclosed that there is a database that exists that people can look up loan information. 

.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

NCB ( XXXX  XXXX XXXX XXXX ) was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. Experian, XXXX, Equifax has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. 

They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. 

As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. 
They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. 

Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX XXXX offering to raise my credit limit with no impact to my credit score. I proceeded with the link in the email and they raised my credit limit then asked if I would like an even higher credit limit and if so how much. I put in XXXX and hit submit unbeknown to me this request in fact did pull a credit report and put a permanent hard inquiry on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Product: Checking or savings account

I went to chase a week ago to open a checking and savings account with my partner and we did, we been waiting for one week to receive our debit cards and when we received our debit card I tried to login to activate the credit card and that said I cant login because my account was closed for inactive. I called costumer services and they said sorry we cant do anything and then I went to chase and they said chase decided closed your account
Product: Debt collection

A debt collection agency, MCM Midland Credit Management Inc, is continuing to try to collect a debt that my bank deemed to be fraud. I called the debt collection agency and explained the issue ( below ) to them and informed them that they were trying to collect a debt that was determined to be fraud by my bank. They stated that they only work for the company that hired them, and they refused to stop sending me collection notices. It has been 1-year, and they still refuse to stop sending notices. The fraudulent and unpaid bill is also listed on my credit score.n Original Creditor is listed as " XXXX XXXX XXXX Bank and MCM Acct # XXXX for amount {$270.00}. I have done my best, and they apparently have no intention of stopping the efforts to collect something. 

What happened : A friend 's XXXX-year-old daughter ordered " Beauty Cream '' for me with my credit card. I called the company within 10 minutes, and they claimed to have no record of the order. Then I received several charges on my credit card from different companies for the same order. I contacted my bank who determined that this was fraud, and prompted blocked all charges and refunded the money. It took me working with the bank for 3 months to stop all the charges since each time there was a different company name on the charge. Right after that is when I started getting the debt collection notices. I called the debt collection agency who refused to stop trying to collect even after I informed them that it was fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  I've never applied for credit with these companies Ive tried to get these removed before but haven't had any luck.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Closed Phone Number : XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transunion started charging me a monthly hidden fee that I was competely unaware of until this month. I am XXXX and did not sign up for a monthly service from them. I was completely unaware that they were charging me {$21.00} every month and charged me the last payment of {$27.00} on XX/XX/XXXX. 

I have called them and they have refunded me 3 months of payments totaling {$70.00}, however, I would like to receive the rest of my hidden charges back due to the fact that I did not utilize or sign up for this service to begin with. I have done ample research into this issue, and apparently the company has been fined over {$300000.00} already for misleading consumers and taking money out of clients ' accounts who did not even request Transunion 's services. 

This is the same thing that has happened to me. Since I am XXXX, I did not realize this was happening until recently and am prepared to take all actions necessary to get my money back. It is unfortunate and sad that this company would take advantage of a XXXX young woman like myself.