23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On this date XX/XX/2017 company opened a collection. 
Account # XXXX {$950.00} that I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Product: Vehicle loan or lease

I made multiple payments to my account in XXXX. I had multiple statements from XXXX - XX/XX/2023 showing changing balances. I made XXXX payments in XXXX. XXXX payments in XXXX. These are NOT late payments as you can see on my credit score. Clean credit for the last XXXX  months on this account as Im trying to buy a home. 

In XXXX, ally reporting my account 30 days late. You can see the date the 30 day late was reported, which means my account would not have been paid from XX/XX/2023 - XX/XX/2023. 

Clearly this is inaccurate. When I called to work this through with Ally, I was told by the person helping me there is no one higher up than me, sorry we can not help you And I actually was in process of buying a home, was DENIED because of this and now am homeless ( living with my parents ) with my wife and XXXX kids under the age of XXXX ( XXXX and XXXX ) I have been working so hard and have had clean payment history because of what our goals were. 

I feel violated.
Product: Student loan

Placed call to Mohela ( XXXX ) on XX/XX/XXXX and spoke to XXXX. I called to inquire about a notice I received indicating my unsubsidized loan was delinquent. My online account indicated my account was paid through XXXX therefore I asked for an explanation on why it was found to be delinquent. 
I also inquired about the status of my SAVE application, which indicated in process since XXXX and confirmation letter received processing could take about 90 days. XXXX stated Mohela had assigned the application to someone XXXX XXXX, and it remained on hold pending resolution of XXXX which he stated was an internal investigation to show it was not done correctly and they had made an error on their part. He stated they can not process the XXXX application due to the {$4000.00} payment made in XXXX, which he confirmed made the account paid through XX/XX/XXXX. He stated the status was not reflecting correctly on the account & therefore XXXX was opened to resolve the issue. 

I informed him I applied for the SAVE XXXX plan in XXXX and asked if the accrued interest will be removed, given it was an error made on their part. He stated he didnt know, but said it would be reflected on the account if so. Considering their error & delay in processing, he said I have the option to call back regarding concerns if interest deduction is not reflected. 

I requested a letter indicating my account was never delinquent and he agreed to input my request, confirmed it would reflect that Consolidation issue created an inaccurate delinquency and stated I would receive it in 10 calendar days. 

The letter received only showed account current and paid. After a few months passed and I didnt receive an update, I called again and they informed me they could not assist me because my account had been transferred to another servicer. This issue was never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I contacted Equifax regarding missing information on my credit report and an erroneous credit score that needed correcting. Again on XX/XX/22, I contacted them again and lodged a formal dispute. There was no report of my current mortgages ( XXXX ) and all past paid mortgage information which would contribute to payment history and scoring appeared to have gone missing. I was told I needed to contact the mortgage company because they must not be reporting the information. I did as asked and was advised the information was being reported. I subsequently received an email from equifax that my dispute had been closed. When checking my credit report, my XXXX score dropped an additional XXXX points and there was still no report of any mortgage information, yet my score was continuing to drop with no derogatory information reported on my credit report? I have again noted a dispute but can only believe this must be related to the data breach as this makes no sense. It appears much of my credit history has been lost or there is a disconnect. The only information showing is revolving credit and nothing more?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Product: Credit card

I have a hard inquiry on my credit score for a Capital One credit card that I never applied for it shows that they removed it off of my credit score but it got put on immediately after they removed it I called Capital One they agreed and said this should not be on my credit score
Product: Debt collection

Despite submitting my request on XX/XX/XXXX and XXXXXXXX XXXX acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Product: Credit card

I had XXXX XXXX call me at home ( cold calls ) and offer insurance policies as I was not insured and I had been looking on the Federal Exchange. I asked specifically if they covered the doctors I was using as I am XXXX now and they said they " looked it up '' and answered absolutely YES. The insurance companies were from out of state. When I tried to tell this to Capital One the card I had charged the premiums to they said the companies submitted all their paperwork where I had signed up, although I never received anything from any of these companies. They told me not to use the policy for 30 days and directed me to a website to print up a temporary insurance card, nothing else. The card is refusing to credit me for the money I spent on these policies they blatantly lied about. I am XXXX and have no income. I believe they sold policies on fraudulent premises, lies. I have written several letters to Capital One explaining this to no avail. Capital One is siding with the insurance companies. I called and cancelled these policies within the required 30 day period which now the insurance companies are denying. I got no paperwork or confirmation numbers when I cancelled these policies which is what Capital One is asking for. Which is why I am guessing they did n't want me to file any claims for 30 days.
Product: Money transfer, virtual currency, or money service

Dear Sirs, I, XXXX XXXX XXXX ( please see my passport attached ), customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . ( please see requisites XXXX attached ) 1. I am a client of XXXX XXXX - and bought XXXX XXXX USD on XXXX XXXXXXXX  ( please see attached file XXXX XXXX XXXX XXXX deal ) and on XXXX I made a wire transfer transaction from XXXX XXXX, XXXX. ( Please, look through attached file XXXX ) to my account at XXXX XXXX, with XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX XXXX  informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings.
Product: Credit reporting or other personal consumer reports

I sent the letter certified mail to XXXX XXXX XXXX. The company responded instructing me not to send any more fraudulent documentation, as if they werent interested in resolving my complaint. Pursuant to the fair credit reporting back section 623 subsection ( 8 ) ( D ) The specific information is derogatory in nature. XXXX auto account XXXX. XXXX finance was required to notify me prior to or no later than 30 days after furnishing negative information to this consumer reporting agencies in writing that such furnishing of information was going to take place. This notification is required under the FCRA section 623 subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation they complied with this requirement. Therefore the continued reporting of negative information to the Credit agencies and connection with the above mentioned account may constitute furnishing a false information with malice, intent to injury me.
Product: Debt collection

I negotiated a settlement on an American First Finance account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains. 

American First Finance has removed this item from XXXX and XXXX but not XXXX XXXX. I filed a consumer finance protection bureau complaint with all three bureaus and two removed it. 

By not agreeing to remove this from XXXX XXXX, American First is continuing to collect on this debt. This is a violation of the Fair Credit Reporting Act AND the Fair Debt Collection Practices Act and punishable by punitive damages under the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , D.C. XXXX Subject : Complaint Against Equifax for Discriminatory Practices Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Equifax regarding what I believe to be retaliation practices in their handling of my credit report/credit score and related services. My name is XXXX XXXX XXXX Issue Description : I discovered that my credit score has been dropping, Ever since i been filing complaints against there company about inaccuracies that need to be corrected. My credit score shouldn't have dropped all of my accounts are in good standings, no derogatory marks, payment history- High impact, Credit card usage- High impact, Hard inquiries- Excellent.

that I believe reflects as retaliation. unfair treatment, such as discrepancies that relate to my race too Despite my efforts to correct these inaccuracies, including [ mention any steps taken, such as submitting documentation or contacting customer service ], my concerns have not been adequately addressed.

**Attempts to Resolve** : I have reached out to Equifax multiple times, on XX/XX/year>, XXXX of correspondence ], and have provided documentation as well. 

However, I feel that my concerns have not been treated with the seriousness they deserve, and no satisfactory resolution has been offered. 

**Desired Outcome** : I am seeking your assistance in investigating this matter and ensuring that Equifax adheres to fair practices in their credit reporting. It is crucial for consumers to receive equitable treatment, free from discrimination, retaliation based on personal characteristics. 

I appreciate your attention to this serious issue and look forward to your response regarding the steps that can be taken to address this complaint. 

Thank you for your support in promoting fairness and accountability in the financial services industry. 

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

I have not supplied proof the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for some lending. I was denied. I was told I have a collection account on my credit. I have never received any calls, emails or mailing concerning and collection account. I was provided a company name from the creditor that we applied for lending. I googled the company and its a collection company called IC Systems. I contacted them and the researched under my social security number, name, address date of birth and said I do not have anything on file for them. So I contacted XXXX XXXX and wanted to dispute findings. I was told nothing at all for collections on my file. A month goes by and I get a notice from XXXX XXXX that there a change in my credit file since I am a member of the credit watch for 8 years now. I contact them and innate dispute. since they can now see it on my file. I get a mailer from them that says they updated my file to show its a valid debt. I contact IC Systems back and still I'm told nothing nothing on file. I literally had to tell them I suspect fraud has been done. She then tells me that under my social the have a file in a completely different name and in the state of North Carolina about 700 miles away from me. She then gives me the name of the creditor that is reporting the info. I tried calling them and was on hold for 49 mins before hanging up. I googled how to report a fraud on there system which is Spectrum which is a internet/cell company and there like 20 documents that they want, including a police report, utility bill, copy of my id and notarized. I have no problem supplying, but they want you to fax it in. in this packet I am submitting it contains my social security.. The main issue is they say it could take over 6 weeks to correct the issue. That is just unacceptable!!!!! I feel if they as a company would have done the job correctly in the first place then none of this would have happened. I feel that a company should verify a persons identity when applying for a item that involves credit when making a purchase. I have had my credit locked with XXXX XXXX, XXXX and XXXX. Had Spectrum done there job correctly then they would of seen or had notice my credit is locked. I don't feel I should suffer 6 plus weeks for there mistake.
Product: Payday loan, title loan, personal loan, or advance loan

See complaint XXXX, not remedied as suggested by lender. Interest not corrected and still being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit dispute letter was sent to Innovis Consumer Assistance, ( XX/XX/2023 ) on my behalf regarding late payments that show on XXXX XXXX XXXX ( ACCT ending in XXXX ) and Freedom Mortgage ( ACCT ending in XXXX ) and the credit reports were not updated. 
XXXX XXXX XXXX has been paid in full and closed. Documentation was sent from XXXX XXXX was sent to provide the inaccuracy of the letter that was mailed. 

A second written request was mailed certified to Innovis ( XX/XX/2023 ) to remove unverified accounts listed above according to the Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) and according to Fair Credit Reporting Act, 15 U.S.C.ss1681 Section 611 ( a ) ( 7 ).

No response has been given from Innovis Consumer Assistance at this point.
Product: Credit reporting or other personal consumer reports

Hello XXXX I asked XXXX, Transunion, and XXXX to XXXX these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I have disputed several accounts with the Credit Report agencies. 

The Credit Report Agencies are Violating my rights as a Consumer under the Federal Trade Commission Act ( FTC ) and The Fair Credit Repoerting Act ( FCRA ) According to Title 15 United States Code Session 6801 Financial Institutions are required to protect the privacy of consumers personal financial information.

Financial Institutions must give their customers the right to Opt OUT of having their Information shared with Non-Affiliated third parties. Prohibiting the disclosure of nonpublic personal information about consumers to Non-Affiliated third parties without consumers Verbal or Written Concent.

The Gramm Leach Bliley Act States Non-Affiliated third parties are external organizations or individuals that are not part of the same corporate family or group of the financial Institutions.

I did not give the following financial Institutions Verbal or Written Concent to disclose my nonpublic personal information to Non-Affiliated third parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Financial Institutions have broken the law and as a law abiding citizen I would like these accounts removed from my consumer credit reports immediately.
Product: Checking or savings account

A total of {$1800.00} was taken out of my account by a fraudulent application called XXXX XXXX. Ive disputed this claim with Chime and was denied, Ive asked for a rebuttal since I dont believe enough investigation was done. Too many negative reviews and application isnt even on the XXXX XXXX anymore.
Product: Credit reporting or other personal consumer reports

1. Equifax 2. XXXX XXXX XXXX XXXX. XXXX  BANKRUPTCY XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately
Product: Debt collection

In XXXX, somewhere in between the months of XXXX and XXXX ( this was when my husband was on another deployment to XXXX and how I remember when I did this ), I went to XXXX XXXX with an idea to try to patent. To do this would cost around {$1000.00} and I opted to make payments. The process took less then 6 months and the payments were paid in full before the due date even. From his return in XXXX until last year, he and I purchased 4 houses ( because he's military we've had to move around a lot ). During each purchase no issues but all of the sudden there is a hit against my credit from Universal Payment Corporation for {$300.00} from XXXX. Why 6 years later, because they are notorious for trying to scam people out of money come to find out after researching them further. I went from working hard to get my credit score to a perfect XXXX and now because of their one hit of bad payment history that NEVER should have been there to begin with, it dropped it and is making purchasing a house not an option anymore. I have tried reaching out to the company, sending them proof of faithful and full payment history, disputed it 7 different times on my credit, calling Universal Payment Corp directly, and even filing a XXXX XXXXomplaint. I just want it removed from my credit and to purchase a home again. Because of this mess we had to purchase an RV to live in because our bank wouldn't finance another loan with my credit scorXXXX now sitting at XXXX because on this onXXXX thing that isn't even a legitimate debt collection. 
Please help me get this off my credit and stop allowing this company to operate in such an awful way to get an extra buck!
Product: Checking or savings account

XX/XX/2021 chime locked my account for suspected unusable activity. Not really sure why, I use this account to have my checks deposited from my job and for purchasing. It is now XX/XX/2021 my account is still locked. I have provided all the documentation requested and a selfie with my photo ID and a peice of paper with my name and date. I have called Chime customer service several times and everyone I speak to someone its the same thing. They dont know how long it could take to unlock my account they dont know why it was locked, they really dont know much of anything. I have read into many customer complaints about this very same thing happening to them and Chime keeping their money so I suspect this will be happening to me as well. What will be done about this very fraudulent company? Are we really going to let them get by with this???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I had a loan for a purchase with Affirm and paid the loan in full. The loan was actually for an amount much higher than the purchase amount and Affirm refused to address the error. After the loan was paid, I received notice from a debt collector attempting to collect the debt. After sending them proof of completed payment, they stopped all collection attempts, however, shortly thereafter, Affirm, without any notice to me, reported the debt to my credit report and have since not been responsive. There is no public phone number to get in touch with anyone there and attempts to contact them through email only results in a generic pre-written response. I have attempted to dispute the debt with the credit reporting bureau and they refused to remove it. I have proof of the incorrect loan amount and completed payments, yet the company and reporting agencies refuse to do anything and instead, my credit has been greatly impacted negatively by this.
Product: Debt collection

Received notice of collection efforts for {$980.00} on XXXX XXXX by MRS BPO.com that I have no knowledge of this debt whatsoever. All my bills are paid and on time. 
Called no action often do not answer ( XXXX ).