23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my FCRA Section 605C consumer submission request to block adverse information from my credit report. 

On XX/XX/scrub>/25, I submitted my request and received confirmation of delivery. However, it has now been over 15 days since that confirmation, and I have not received any updates or information regarding the status of my request. Additionally, none of the adverse information has been removed from my credit report as I requested. 

This delay is concerning, as it undermines my rights under the Fair Credit Reporting Act. I believe I have provided all necessary documentation, and I have attached copies of those documents and receipts for your review. 

I kindly request your assistance in addressing this matter and ensuring that my request is processed promptly. I appreciate your attention to this issue and look forward to your timely response. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XXXX XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. Bank XXXX XX/XX/XXXX, 2024-This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX, 2024-This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account appearing on my credit report as a Charge Off with a balance of {$1200.00} and or any updated balance is inaccurate and incorrect. The XXXX XXXX account wassettled withXXXX  XXXX XXXX. The account balance is reported inaccuratelyand isincorrect. The balance should be XXXX. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX0}
Product: Checking or savings account

I called Bank of America to close my accounts. I asked for the agent to email me instructions to close my accounts. He said he could not give me written instructions to close my account. I went to the website and searched for how to close my account. The only available information for closing an account reads, " We appreciate your business and are sorry to hear you want to close your account. We hope you'll consider speaking with us first so we can address any concerns you might have. Call us at XXXX to share your feedback with us. 

Before proceeding with closure, you might be interested in converting your existing account to a different account or finding a new one. '' I tried to send all of the funds in the account out. It requires me to leave {$50.00} behind for some reason. Asking how to close an account, in writing, seems like a fair request, to reduce the chances of any sort of misunderstanding. Bank of America refused.
Product: Debt collection

I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges.

See attached.
Product: Credit reporting

the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed me
Product: Debt collection

I filed an FTC complaint about one year ago with no change in receiving frequent recorded calls from : JP Recovery Services , Inc. at XXXX as recently as XXXX XXXX on XX/XX/19. Recorded Message states that a return call is requested regarding debt collection and should be made to : XXXX XXXX. I do not owe any $ $ and have NEVER returned this call. This has been going on for over 6 years. These numbers do not match the business I found online which has a contact number XXXX. I have never contacted the online numbers provided on their website.
Product: Credit card or prepaid card

I am being sued by JPMorgan Chase for XXXX XXXX XXXX ( one I've had for 30 years ). My husband XXXX XXXX XXXX XXXX XXXX  and I'm on XXXX and we didn't have income for a year during the pandemic. I got behind on my credit cards. I called to see if I could pay {$50.00} a month, and they only wanted the minimum payment. I simply couldn't keep up. They are now suing me for the cards. They have locked me out of my online portal so I'm unable to show the judge the true amount of the debt, which they are exaggerating. Their documentation to the court shows only a one page of a statement ( showing balance of {$26000.00} with a minimum payment due of {$4300.00} and the second card showing {$27000.00} with a minimum payment of {$5100.00} ). They submitted little knowledge of the actual debt details and using their corrupt " robo-signing '' to sign off on the account, which is contributing the the inaccurate claims of debt owed. JPMorgan is back to XXXX practices of filing tens of thousands of lawsuits, while only showing an affidavit swearing the truth of Chase 's claims that is signed by a XXXX  employee with little knowledge of the actual details the accounts. This practice of signing off on paperwork without reviewing any evidence is what they did before - when they promised the CFPB to provide better supporting documentation. The provision against Chase expired in XXXX and here we go again and I'm a victim of their practice this time. I would like more evidence. I am looking at filing XXXX  XXXX bankruptcy because of this situation. I would like to resolve this but there is no one to talk to. I've even reached out to their " attorney '', who was very unhelpful, however stated he would send me documentation to verify/prove ( not the one page document they submitted to court ) I went to initial hearing on XX/XX/XXXX and no one showed up on their end, I denied the accuracy of the amounts and it is now set for pretrial on XXXX XXXX, XXXX. I have talked to attorney general as well, and am seeking help from an attorney. Chase is back to it's dirty games.
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 XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX PL XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; 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: Credit reporting or other personal consumer reports

Disclosure of my information in a negative way, referencing 15 U.S.C. ( the Fair Credit Reporting Act ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Disclosure of Information Dear, Credit Karma I am writing to formally address an issue regarding the unauthorized disclosure of my personal information in a negative manner. According to 15 U.S.C. 1681 et seq. ( the Fair Credit Reporting Act ), I did not give your company permission to disclose my information in a way that adversely affects my credit report. I'm requesting you to remove the negative comment information from my XXXX XXXX XXXX XXXX Paid less than the full balance. That information is inaccurate, and it's a violation of the FCRA. 

I request that you provide me with the details surrounding the reporting of this negative information, including any documentation that shows my consent to report such details. If you are unable to provide evidence of my authorization, I ask that you promptly remove this negative information from my records. 

Please treat this matter with urgency and confirm in writing/email the steps taken to resolve this issue. I appreciate your immediate attention to this serious concern. 

Thank you for your cooperation. 

Sincerely,
Product: Debt collection

I recently received a call about an outstanding debt in my name. I believe this was a scam call but I reviewed my credit report and there was a lease that was reported unpaid and charged off by Acima Digital FKA SIMP ( {$2100.00} ) on my report. I did not recognize this company or charge. This debt was in the " closed accounts '' section of my score which I never review. It was from 2022. I. have never used this company for any purchase and the only loans I have ever taken were student loans. I called the company and they said they have no record of me ever having an account with them attached to my phone number or name and that I should report this to authorities. I reported this to the credit reporting agency as fraud as well.
Product: Debt collection

XXXX XXXX I sent puget sound collections a certified letter. The company failed to furnish me with any information, they have never sent me a letter before this is a violation of federal credit act and must be taken seriously.
Product: Debt collection

Received a debt notice from a company I've never heard of ( PFC personal finance company ) 14 months after a lab visit. Reviewed my records and showed a paid bill from that doctor 10 months ago. I called PFC and they wanted a lot of personal information of mine including SSN, DOB, etc. Seeing I've never heard of this company and are not familiar with the debt, I chose not to provide it. They got angry and indicated they'd end the call.

So I then called the lab to try to understand if there was any legitimacy to the claim. They could not verify it's legitimacy based on the account number provided by PFC. They too indicated that they're not actually the lab, but a 3rd party outsourced company ( XXXX at XXXX XXXX XXXX ) who really doesn't have much access to information.

So I have a company I've never heard of trying to collect a debt that I don't think I owe. And a company who represents the company who allegedly referred the debt, who has no record of my account or a debt.
Product: Credit reporting or other personal consumer reports

I had 2 credit cards through XXXX XXXX XXXX, when I opened the account I had purchased disability insurance that would cover me in an event of illness. I eventually XXXX XXXX  and was put on XXXX. I contacted them for the insurance assistance to pay the minimum balance as I waited for my XXXX XXXX XXXXXXXX payment to begin. I spoke with someone to start the claim. They were sending paperwork which I never received. I call back and they now dont see it on my account but it showed on my online statement. Somehow I now show 3 credit cards with them and I only had 2. They locked me out of my payment portal and will not assist me. They have sold 3 accts to a bill collector when there was only 2 accounts. They are being deceptive and I feel like they opened a new acct trying to transfer the balance to not show the disability insurance in which I paid for monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX, Account # XXXX has violated my rights. 
XXXX, Account # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXXXXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Product: Credit card or prepaid card

Aspire Credit Card is a company that makes it intentionally difficult to pay your bill. They dont send you a notification when your bill is due, their website to pay is constantly down, their app is also constantly down, and even when its working it makes me change passwords that I know are correct. 

My payment was due XX/XX/. I tried to use the website or the app to pay, however, both were down. Every single time I tried to use the website it would end up not even functioning, and the app would just stay stuck in loading screen every time I tried to log in. 

Since it was past XXXX XXXX I wasnt able to call them to make the payment. So I had to wait until XXXX XXXX XXXX XXXX to call them so I could make the payment online. They payment came with a {$41.00} late charge and even though I told them the reason was because their website was down, they still told me theyd reverse the charge as a one time courtesy????? 
I couldnt pay because their own systems were down and they charged me for it??? And then acted like they were being nice for reversing the charge? 

While trying to log in to my account XX/XX/XXXX, the website would constantly tell me that my email and password was incorrect. I use the same password for everything so that didnt make sense to me, but I went to go search my email to see if I could find where they may have sent me my account info before. When I searched my email, I found that exactly a month ago, when I was trying to pay, I had the EXACT same issue! Wasnt able to log in and had to reset my password. 

When I looked up the issue online, I found a lot of other consumers had the same problems I did, going back years. The website never worked, they never got notifications of upcoming bills, the app never functioned, they couldnt pay their bills for those reasons and had to get charged interest or late fees because of it. 

I looked through my email again and noticed Aspire had sent me a feedback request a few weeks ago. So I decided I was going to leave my feedback for this company in their reviews. What really upset me is that when I tried to rate it one star, nothing happened. Two stars, three stars, nothing. If I rated it four or five stars, I would be linked to a website to leave a review on their page. 

That made me think this was all intentionally by design. They purposely made a website that functions poorly and an app that never works so they can make their customers miss payments and pay late fees as a result. 

When I spoke to both the representatives working there and they didnt understand why I was so angry, I asked both of them if they would use a card from this company knowing their practices and working for them everyday. Unsurprisingly, both of them were silent when I asked them. 

It seems as if the intention of the company is not to provide customers with an opportunity to build credit, but rather take as much money from them as possible in fees and interest, by designing a business that makes it borderline impossible to pay your bills on time.
Product: Debt collection

I received a collection notice from American Profit Recovery , Inc. attempting to collect a debt allegedly owed to XXXX XXXX in the amount of {$3100.00}. I formally disputed the debt and exercised my right under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) to request full validation. However, American Profit Recovery failed to provide any of the legally required documentation, such as : A copy of the original signed agreement, A complete breakdown of the debt amount ( principal, interest, fees ), Evidence that the debt is not time-barred under Georgias statute of limitations, Proof of their legal authority to collect and their active license in Georgia. 

Despite failing to validate the debt, they have continued to attempt collection and may have reported this unverified information to credit bureaus, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) particularly 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ).

Their conduct appears to violate : FDCPA 1692g ( b ) : failure to cease collection pending validation.

FCRA 1681s-2 ( b ) : failure to investigate disputed data.

FCRA 1681e ( b ) : failure to ensure maximum possible accuracy in reporting. 

Applicable case law includes : 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

In 2015 I first contacted all 3 bureaus requesting a correction, monitoring and also tried to dispute the accounts that I didn't authorize. I sent in all identifying info they asked for. Still no changes. I am still having problems with the same issue please assist me in correction of this situation.
Product: Debt collection

On XX/XX/2023 I received a letter from Hunter warfield stating that I owed a debt in the amount of {$13000.00}. I was told this was for an apartment that I rented. I have never lived in an apartment for over 20 years. This was fraud.