23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Arcadia Recovery Bureau rep called me today to ask me personal information such as to verify my addrees. to provide them with the year I was born, and I do n't know how many other questions in their list. 
The lady did n't say who they are, what they do or what are they calling me about. Instead they want me to give them personal information. 
I have nothing pending on my credit history, as I just got my credit pulled out last week and it was XXXX. 
This person who is calling in behalf of ARB is very aggressive and calls me during working hours at my office. Please make her to stop and as I asked her, to send me a letter. ( I asked her that, but she did n't understand )
Product: Credit reporting or other personal consumer reports

First i want to thank you for taking this time to read my email.I am having a problem with XXXX XXXX XXXX XXXX XXXX My bill XX/XX/2022 did not go trough when it was on auto bill. I reached out the company and they said that the payment try to come out of the bank but it was rejected.They never notified me of the rejection and gave me this late payment.Now i can not get mortgage or loan because of this mark on my credit.The company will not help me with this unfair situation.My lease about to end at me rental house.I am looking to purchase a home for me and my kids.You are my only hope please help me out.Please help me to remove this late payment from my credit report. 
Thank you so much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX XXXX in XXXX XXXX, Minnesota pulled my credit report from Experian/XXXX XXXXXXXX. My credit score was over 100 points less than what I know my score to be from several other sources. This lower score ultimately affected the rates that this credit union was offering me for an auto loan.
Product: Debt collection

A new debt popped up on my credit reportXX/XX/XXXXas a new debt. I had no idea of this debt so I contacted the collection agency. I was informed that this debt was for my daughter and was from XX/XX/XXXX. I never received any form of letters to dispute of solve the issue prior to XX/XX/XXXX. Under the FCRA the silent treatment is illegal. They reported this as a new debt. Its falsely reported as new account activity. The Fair Credit Reporting Act requires CRA to maintain an accurate file of your credit information. By lying about the age of the account is or the date of any delinquency, the debt buyer or collection agency violates the FCRA.
Product: Debt collection

Per CFPB the debt is medical and was transferred to the collection company., have been harassing me to pay and put it on my credit report illegally as anything under {$500.00} owed can not show up on my credit report. asked them to remove several times but wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$31.00} XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ACCOUNTS : XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX are all fraudulent.

Also, according to 15 USC 1681s-2, 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. 12 CFR 1006.34 ( c ) ( 4 ) ( l ), collection agency is violating my consumer rights by using false misleading, deceptive means.
Product: Credit card

We are receiving XXXX - XXXX calls a day ( XXXX XXXX XXXX ) asking us to call Discovery - Discover card with NO explanation whatsoever We have complained to Discover Card TO NO AVAIL, calls persist every day. 
In our XXXX, XXXX continues at XXXX
Product: Credit reporting

XXXX XXXX reports to the credit bureau every so often and even though this account is past the 7 year limit it is still listed on my report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 JPMCB CARD SERVICES agreed to close my account after being paid in full. Currently 4 years later this account is still reporting on my credit after being closed and I am aware that this is illegal. I reached out to the company but was notified I should contact my reporting company.
Product: Credit reporting or other personal consumer reports

I am writing to address a late payment charge on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section 1637 ( b ), is sent to the consumer a minimum of 21 days prior to the due date.

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires that's affecting my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK ON XX/XX/XXXX XXXX. XXXX ON XX/XX/XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX  ON XX/XX/XXXX XXXX. US SM BUS ADMIN ODA has been on my report for over 2 years and is unauthorized as well and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's a long story but my ex-wife got involved with these XXXX XXXX  running an organized crime deal. Especially with the covid 19 tax programs. They stole and duplicated not just my identity and my deceased families identity. They were able transfer my fico score There's a lot like all of XXXX my social security number didn't show up on my consumer report. Mine ends in XXXX. There was a a XXXX on my report. 
There was an XXXX XXXX, my ex sister in law XXXX ( XXXX ) XXXX, there was my information at the social security office changed. My mother 's name was changed, and many other things like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here in XXXX CA on XXXX XXXX and XXXX XXXX. The are where there's an oil company, car dealership. 
There's a XXXX XXXX, a {$43000.00} loan, the IRS put a lien on some property. Someone not only paid it, but over paid it. 
When I was driven off the road on XXXX I owed XXXX XXXX {$500.00} to retrieve my car. Someone with a tow truck paid the {$500.00} deductible that the bank didn't cover. Then they hauled it off. 
There's a lot!!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some accounts, names, addresses that I didn't recognize. Ive reached out to settle this with XXXX, Equifax, and XXXX. Ive been met with push back saying that these accounts are verified and accurate when indeed I know they're not. I have filed an FTC report that will be attach and im requesting that all fraudulent accounts be blocked and removed and information associated with my credit file as a result of identity theft. I am a victim of the recent Equifax data breach and XXXX data breach as well and believe my personal information has been compromised and used without my consent. I have attached FTC REPORT, ID, BILL, AND SS along with the letter listing the accounts that are a result of identity theft and fraud.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred.Despite having sufficient funds when transactions were authorized, I was charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and requested an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX on XX/XX/XXXX, informing me that Equifax is now reporting inaccurate information on my credit report regarding a current open dispute with XXXX XXXX  XXXX XXXX XXXX. They have now changed the negative reporting from XX/XX/XXXX to XX/XX/XXXX which is also inaccurate. My account was paid off in full with XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX o a {$0.00} balance. There was never no late payment on my account. Attached is the information received from credit karma and the last billing statement from XX/XX/XXXX that showed balance was paid off in full and no balance was due for XXXX. Please investigate and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

Avant LLC is constantly calling and harassing me My debt settlement company offered them payoff amount and have told them to stop calling me But they won't listen and make repeated calls with different numbers and constant abuse/harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am federally protected consumer and Equifax Information Services, XXXX, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX ACCT # DATE : XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian, XXXX, TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

A landlord, XXXX XXXX, in XXXX, Wa, filed and served an unlawful detainer upon myself and boyfriend by posting notice on the apartment AFTER we moved out. The boyfriend was in XXXX for a XXXX XXXX charge against me at their apartment. They knew he was XXXX XXXX XXXX and accepted the notice I provided them. The month by month contract may be broken so victims can relocate to safe, affordable housing. I provided a forwarding address where they mailed me my refundable security/cleaning deposit, an address also listed on the moving notice I provided them and their rental application. 
They knowingly improperly spelled my name on the court documents. They failed to properly serve us, and two days after knowing the apartment was vacated, posted notice they knew we would never receive. 
They won an unlawful detainer and judgment against us that we learned of three years later from a debt collector XXXX XXXX aquired and again, ten years later, in XXXX, another company, 4M corporation, also in XXXX, WA, tried to collect, this time filing a property lien on us before we were able to appear in court to respond. 
They had provided lawful service and we filed response and spoke in person to 4M when we provided working court copies. 4M told us due to this new information the court date, in two days, would be stricken. But, it was n't and we appeared and they did not. The judge called the office and was told they forgot to strike the hearing.
There apparently were more filings on this case a few days later that we were NOT properly served or received. So now nothing has changed or happened to resolve this in court. The unlawfully obtained judgement has been addressed but 4M is n't doing anything to complete their action against us. How any property lien even stand when the collector wo n't appear to be disputed?
Product: Mortgage

I submitted a written request for cancellation of my PMI ( private mortgage insurance ) through PHH Mortgage using their official cancellation form. I included a check for the requested amount of {$150.00} to pay for an appraisal of my property. My loan is over XXXX years old, originating in XX/XX/XXXX. The value of my property has increased significantly since obtaining the loan. I have never been late on a mortgage payment and my account is in good ( perfect ) standing. The {$150.00} payment was applied on XX/XX/XXXX. I called to check on the status on XX/XX/XXXX, and to ensure that the {$150.00} payment was correctly applied towards an appraisal because my online account did not specify. I was told that they had my paperwork, the payment was correctly applied, and to wait 20-25 business days from the date the payment was applied before expecting to hear from the cancellation department. By XX/XX/XXXX I had still heard nothing, and called for an update. I was told by the customer service representative that he would personally look into my case and either call or email with an update within the next two weeks. I never heard back. I called on XX/XX/XXXX and this time was forwarded to an " escalation manager '' to look into the issue for me. I spoke with XXXX who was very nice and helpful and said she would be in touch with the PMI cancellation department and should hear back from them within 10 days, and that I would receive communication via email from her with updates. I received an email on day XXXX and day XXXX. Both times I was told that they were " still thoroughly researching the issue '' and would be in touch within the next five business days. I have been told by every representative I have spoken with that even though the PMI cancellation department is busy that someone should have contacted me within 25 business days of my payment for appraisal being applied.
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also asked them to present these documents from the folowing vendors/creditors : XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX-ACCOUNT:XXXX, and XXXX XXXX XXXX-accoutXXXX and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and unresolved issues on my XXXX credit report. In addition, I am highlighting XXXX  repeated failures to properly handle disputes, as demonstrated in my case and further substantiated by recent findings from the Consumer Financial Protection Bureau ( CFPB ) fines against XXXX in the sum of {$15.00} XXXX over XXXX 's handling of disputes. Prior Efforts to Resolve : Despite submitting evidence to clarify these items, XXXX has failed to address the disputes adequately or provide me with a meaningful response. XXXX Specific Failures in My Case Failure to Investigate My Dispute : My submissions, which included relevant documentation ( e.g., [ list specific documents like payment records, dispute forms, etc. ] ), were ignored or inadequately reviewed. The responses I received contained contradictory statements, leaving me uncertain about whether the matter was resolved or ignored entirely, along with XXXXXXXX XXXX strategic difficulty in getting an agent on the phone/call center tactics. 
Reinsertion of Deleted Errors : Errors that were previously corrected on my credit report have reappeared, further undermining the accuracy of my report. XXXX failed to notify me of any verification process or to comply with requirements under the FCRA 611 ( a ) ( 5 ) ( B ) to prevent such reinsertions. Sharing Inaccurate Data : XXXX reported inaccurate credit scores or duplicate account information to creditors, leading to negative financial consequences for me. CFPB Findings Relevant to My Case The CFPB has documented systemic failures by XXXX, including ; Inadequate investigations of consumer disputes, often ignoring consumer-submitted evidence. Failing to block or remove identity theft-related information and reintroducing previously deleted errors. Using flawed systems and software that resulted in inaccurate credit scores and reports. These findings mirror my experience and further demonstrate XXXX  disregard for its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Legal Framework and Obligations Under the FCRA, XXXX must : Ensure the maximum possible accuracy of credit reports ( 15 U.S.C. 1681e ( b ) ). Conduct reasonable and thorough investigations of disputes and provide accurate results to consumers ( 15 U.S.C. 1681i ). Notify consumers of the reinsertion of previously deleted information and verify its accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). Requested Actions I demand the following actions be taken immediately : Thorough Investigation : Conduct a meaningful and thorough review of the disputed item ( s ) on my credit report. Correction or Removal : Delete or correct inaccurate or unverifiable information promptly. Written Response : Provide a clear, comprehensive, and non-contradictory explanation of the investigation results. 
Prevention of Future Errors : Confirm measures to ensure such inaccuracies do not recur on my credit report. Notice of Escalation, I expect acknowledgment of this dispute within 5 business days and resolution within 30 days as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have incorrect and incomplete information deleted but it just keep coming back when its clearly inaccurate. Amounts, payment history and dates have been wrong but every time they just keep coming back even though dates dont match history is not reported or reported incorrectly. Please delete.
Product: Credit card or prepaid card

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during this pandemic and ive been trying to keep up with my personal matters