23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Financial Credit Network updated my credit report negatively and reported as an open collection on XXXX/XXXX/2021 when I had a Chapter XXXX discharged approved and reported on XX/XX/2021. 
This agency was included in the notice to creditors. Once I was alerted the discharged debt was updated as open collections I used their website requesting immediate correction and attached the notice to creditors which listed the agency and debt along with the order for discharge. Financial Credit Network did not respond to me or correct my credit report. 
I had to file a dispute with XXXX to have the account removed. 
I again had to provide proof to get this corrected. This is harassment, collection is court ordered to stop. Updating consumer files incorrectly should have consequences for the agency. 
Consumers should be given more control or negotiation powers before affecting their credit. 
This agency acted in an inappropriate and dishonest manner, I have proof of service regarding bankruptcy filling. Consumers are not given any information before information is added to their credit files. My daughter 's name is listed on my credit file as an alias along with many misspellings of my name. Neither myself nor my daughter have ever used each other name. I have also never misspelled my own name, it is not appropriate to list alias when the people using different versions of my name are companies who pay for consumer lists creating unsolicited junk mail delivered to my home and soon after I have a new alias listed on my credit file.

Filling bankruptcy significantly harms my credit profile, having an open collection post days after a discharge is devastating. 
Thank you
Product: Checking or savings account

Hello, On XX/XX/23 I called the mortgage department at Bank of America to make a payment on behalf of my mother and was assisted by Bank of America representative, XXXX. I had been calling in since XXXX making mortgage payments on behalf of my mother who was on hospice and never had issues until speaking with XXXX. She asked if I was authorized to make these payments for my mother and I explained yes. She had been on XXXX  and recently passed, but I am on the XXXX  Deed of the property, but we have not received death certificates yet ; therefore, I'm just trying to keep her accounts up to date to ensure all bills stay current. XXXX said she would note the account and gave me the fax numbers to send the XXXX Deed to as well as the death certificate once it was received. What XXXX failed to tell me is that once she noted the account although, no solid documentation ( death certificate ) had been provided to Bank of America regarding my mother 's death, that her notation would cause all of my mother 's accounts to be frozen. Mind you, XXXX works in mortgage not personal checking or savings. With her failure to notify me of what a simple notation to an account would do, I went to pay my mother 's other bills only to be told the accounts had been closed/frozen. My life line to keep my mother 's accounts like gas, electricity, property taxes that are due right now, etc. has been shut off. Again, no documentation has been given to Bank of America confirming my mother 's death. They just took my word over the phone. 
Immediately called Bank of America on XX/XX/23 once payments were not processing and was trasferred to the XXXX department and spoke with XXXX who was incredibly unfriendly and not helpful. She told me all accounts will remain frozen until I supplied a death certificate, sent the trust showing me as the co-trustee and some other documents. Again, if I haven't supplied you with a death certificate yet, why would you freeze accounts? They just took my word. XXXX proceeded to tell me that once I submitted the documentation, it would need to be reviewed ( she was unsure how long that would take ) and then they would disburse my mother 's money to me. When I asked about payments that are set-up on auto-pay not being able to now go through, she explained that any Bank of America charges like late fees, returned checks fees, etc. would be credited once my documentation had been reviewed. I said, " what about the other fees I might incur from other institutions now that you've frozen these account? '' We don't reimburse those. The time I now have to spend re-doing all of my mother 's auto-pay accounts is going to take me hours because some knuckle head notated an account without proper documentation.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$100.00} 3. XXXX XXXX Account Number : XXXX Bal : {$840.00} 4. XXXX XXXX Account Number : XXXX Bal : {$2800.00}
Product: Credit card or prepaid card

Please see attached letter that i mailed to capital one. I had an agreement to have monthly payment deferred due to the pandemic. Some how my account was not adjusted and my account went late. I have sent detailed letter to capital one explaining the issue. I have been with them for 5 years and never missed a payment. Ive called capital one and asked for help on this issue.. And all she said to do was right a letter. They have not sent a response back and its been well over 30 days. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed from my credit report, as it is negatively impacting my loan applications and ability to obtain credit. Please also provide any documentation related to the removal of this inquiries. 
XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Disputes were sent out on XX/XX/2024 and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report
Product: Debt collection

Through the years and countless times we have discussed my situation why I was not able to pay any money because of my illness. In XX/XX/2015, I had XXXX to remove a XXXX from my XXXX  and was no longer able to work. I told them this several times, but they continue calling and asking me for money that I don't have. I am still under doctors care.
Product: Mortgage

1. Started loan with Sovereign Lending Group ( XXXX XXXX, CA XXXX XXXX XXXX / XXXX XXXX XXXX 2. Filled out application/ provided all documents- W2-Taxes-retirement, back accounts 3. They kept asking for more & more papers/ I provided them.

4. I ask for a closing date -- they would ask for more paperwork 5. I would I am canceling my loan- then a manager would call me -assuring me all is well & ask for more documents.

6. They would not close on any of the 3 loans I applied for.

7. I started to escalate a month ago.XXXX XXXX stopped responding 8. XXXX XXXX took over- he asked for more documents- I again gave them- then he stopped responding 9. Last week ( XXXX ) I escalated to Sovereign Lending Group- headquarters- spoke with XXXX XXXX Supervisor : He never responded. 
10. Last week ( XXXX ) spoke with XXXX ( Directors ) : He never responded-or gave solutions. 
11. XX/XX/2021 No one is picking up the phone. I want them to close my loan. 
12. I am afraid -they have my financial information and they going to something sinister.

13 Loans are supposed to close around 30-45 days : It has been 3.5 months.

Please investigate and shut this company down asap.

Kind regards XXXX XXXX XXXX I think they are going to fraud me-
Product: Debt collection

I am writing to formally dispute the charge-off listed on my credit report for the account referenced below. 

Creditor Name : Mid Florida Financing Account Number : XXXX, XXXX, and XXXX Upon reviewing my credit reports from all three major credit bureaus ( XXXX, XXXX, and XXXX ), I have noticed discrepancies in the information reported about this account. 

Specifically : account details, such as balance, and dates. 

Furthermore, I have never received a 1099-C form for this charged-off debt, as required by IRS guidelines for any canceled or written-off debt exceeding {$600.00}. Please provide the 1099-C form immediately or clarify why it was not issued. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you validate this debt, correct any inaccuracies, or remove the account from my credit report entirely.
Product: Student loan

-I received a past due notice from Nelnet for XXXX on XX/XX/XXXX. 
-I checked my banking account and payment posted to Nelnet XX/XX/XXXX XXXX I attempted to call Nelnet and office closed for XXXX XXXX XXXX  XXXX I also tried logging on but unable to do so due two tier authentication and no IT due to office closure XXXX I emailed Nelnet on XX/XX/XXXX and got a general email back on XX/XX/XXXX. 
XXXX I reviewed Student Aid.gov and Nelnet for protocols for resolving this ; none found XXXX I contacted Ombudsman A rep name XXXX  advised that website was down and submitted Feedback. XXXX re-directed me to Nelnet XXXX On hold with Nelnet for 1 hour and 14 minutes... still waiting on telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open or authorize this account, and I therefore request that it be closed immediately The accounts are listed in the attachments.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off the remaining loan amount to the captive finance company of XXXX XXXX, BMW Financial Services doing business as XXXX XXXX XXXX. 
1 ) After 4 years of paying on time they had me wait two weeks to send the title for my check to clear 2 ) When I finally received the title on XX/XX/XXXX, they sent the wrong title 3 ) When talking to them over the phone on XX/XX/XXXX, they insisted on me first returning the wrong title that they sent before they can send me my title. 
4 ) When insisting that they should return my title even before I returned the wrongful one, they refused. They also refused escalating the call any further after talking with a Service Manager called XXXX. No last name. 

We see BMW Financial Services treating its customers as untrustworthy even when the customer has complied in every respect and they have not. 

A company like BMW should hold itself to higher standards, standards that respect and put the customer first as opposed to putting their company fist even when they make mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

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 These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize DT credit XX/XX/XXXX XXXX finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Product: Credit reporting or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency EXPERIAN an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. EXPERIAN sent a letter stating this block was an error. It was not. EXPERIAN has violated my consumer rights. According to 15 U.S. Code 1681i EXPERIAN is supposed to delete the disputed items during a full and complete investigation. EXPERIAN violated this federal law. EXPERIAN is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given EXPERIAN permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against EXPERIAN for willfully and knowingly violating my consumer rights if this is not rectified within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.
Product: Checking or savings account

After buying a car for {$1200.00} it was sent to express delivery service. They told me the car was on its way then said I needed to pay a {$1500.00} payment for a smoke test. After exchanged emails and XXXX messages ( both companies ) I made the payment. They said everything was okay and my car was on its way. They then said the process was stopped because of FBI road safety. To continue I needed to make a {$2000.00} payment. Why all of a sudden these fees that werent mentioned in the beginning. For 4-5 days I explained to both companies that I couldnt pay this because of bank issues and wanted a refund. The car company is saying no refund until the car is delivered and there are mechanical issues. The XXXX company is saying after delivery all fees will be refunded. Thats cool, except there will be no delivery because Ive explained to both companies that I can not pay that. Neither of them are listening and keep saying figure it out and pay the delivery agency the {$2000.00}. I have tried to speak to my bank, but theyre saying to speak to the companies because there is nothing they can do. I have asked for addresses and postal codes from both companies and theyre now not answering emails and messages
Product: Money transfer, virtual currency, or money service

I Am Filing This Complaint Against Cash App ( Block , Inc . ) Due To Inadequate Customer Service And Unfair Practices, Which Violate The Consumer Financial Protection Act ( CFPPA ). Specifically, Cash App Failed To Take Timely And Effective Measures 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 Regulations E. These Actions Have Caused Significant Inconvenience And Financial Loss, And I Seek Appropriate Redress For These Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.