23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness.

I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & Capital One )XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
Product: Student loan

" I am a member of a group attempting to get free from the terrible Spousal consolidation loan product of early 2000 's which was discontinued due to just how bad of a situation it put people in. This loan was sold as FFELP by govt. to private service companies so not only is it currently impossible to separate the loans after divorce, I am not eligible to consolidate into a Direct Loan that would allow for a more reasonable income based refinancing option or qualify for PSLF which I would surely be eligible for based on my close to 2 decades working in the non-profit XXXX XXXX field in XXXX XXXX XXXX, where I currently the XXXX XXXX of a private not-for-profit Supported Employment program for adults with severe XXXX  XXXX. I have made every single payment both when married and once divorced, at the expense of other things such as owning a home, and am requesting your assistance to put me back on an even playing field with those in Direct loans and eligible for PSLF.
Product: Bank account or service

I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I reviewed my consumer credit report and seen various XXXX XXXX XXXX inquiries I called XXXX to report that I don't have any XXXX  XXXX credit cards open nor have I recently applied for a XXXX XXXX credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called Monarch Recovery Management , Inc to discuss my concern further. 
I reached out to Monarch which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this XXXX XXXX XXXX Credit owned by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information listed on my credit report with this company. I have submitted multiple dispute and nothing has been resolved nor have they provided me with satisfactory documents to support these documents. The following accounts discover financial, access receivable. I keep getting responses about credit repair I can not afford credit repair or anything like to assist with this nor can I afford any lawyer to take this to court. I honestly dont know what else to do other than to keep filing complaints.
Product: Debt collection

This company stated I had rhe right to dispute the validity of the debt but never gave me that right as they were contacted on XX/XX/24 where a formal dispute was launched and blantantly ignored. Pursuant to atatute XXXX of XXXX  law, written communication of intent to collect must be sent within 5 days of assignment before debt collection can begin which this unethical unprofessional argumentative company ignored along with my federal debt collection practices act rights to dispute since they say they are a debt collector but believe themselves to be above the law. 

This company was paid on XX/XX/24 and then again on XX/XX/24essentially meaning they werr paid twice and when I spoke to whomever the XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor, she couldn't of cared less and basically told me " uh yea XXXX business days '' Ive also attached the communication where it says I have the right to dispute but clearly the people who work for the company feel the right to harass XXXX bully people XXXX not honor that which is in black n white ... ( wonder if the XXXX state ag would view this as .... )
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.  XXXX  AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND  XXXX . AND   XXXX   XXXX   FROM EQUIFAX
Product: Bank account or service

My father has been in the hospital since XXXX XXXX XXXX unable to handle his finances. We called XXXX XXXX to gain access to his accounts with the Power Of Attorney papers which they would not accept over the phone. They required us to bring it and us to a bank branch with a notary in house. The closest one was 4 hours away so we left work midday on XX/XX/XXXX16 and after 4 hours we supposedly left there with the ability to log into www.wellsfargo.com and create a user name and password to handle my fathers accounts. Except the credit card they sent the paperwork to that department and said that it could take up to 4 weeks before we can access it. We drive 5 hours home ( rush hour traffic in XXXX ) and upon trying to do as instructed it said that it could n't find my information to call an XXXX number so I call and the woman says that I need a reference number repeatedly and something about the account being locked. Monday XXXX/XXXX/16 I call as soon as the branch opens and ca n't get XXXX but XXXX says that we have to be there in person with our ID for the online people to unlock the account. You have to be kidding right? I call back and he says that he will see what he can do. Hours later I call and get him again and he says that every time he tries to call he gets interrupted and just after talking to him XXXX calls and she says that she will check on this and call me back. Here it is after XXXX here in XXXX and still no access. After we got home also I called to check on my father and he is getting worse and may not be here much longer. If I spent the last weekend of my fathers life playing games with Wells Fargo instead of seeing him this is sad and pitiful what they do to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX, and equifax FCRA violation on my credit they put a discovery account that was removed back on my credit without notifying me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act .the list of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : also sticks, a consumer reporting agency can not furnace an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antedate the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the CRA 's has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish/report an account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed.

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

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

Account name XXXX : Account # N/A, Account name XXXX XXXX : Account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 Any other adverse item of information, other than of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

JEFFERSON CAPITAL SYST is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to Experian, trying to get my Experian credit file cleaned and fixed. On the other hand, I have submitted those documents to Experian regarding a particular account called : XXXX XXXX XXXX XXXX. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. Experian removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to Experian, which is incorrect. I am highly upset because Experian is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against Experian for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of COVID-19, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian Credit File. Also, this is the only credit bureau this fraudulent account is listed on.
Product: Vehicle loan or lease

I leased a XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX putting a down payment down and making payments on time. It was an in-house payment center with XXXX XXXX  but recently they completely closed on XX/XX/XXXX. I was not made aware by email, phone or mail about the company closing. I cant call a customer service line or make online payments as it is closed permanently as well. As a consumer I should have been notified about this financing company closing. Online I am directed to a website called XXXX XXXX XXXX which is a debt collector. I am not in debt with American financial. Their company was closed because they are in debt. My account should not be transferred to XXXX XXXX XXXX without my consent in a contract with my signature on it. XXXXXXXX XXXX XXXX does not have license to work in the state of South Carolina. I should be able to get back all my payments made to American financial in my down payment is well. As I have been researching, it is illegal for a company to receive down payment on a vehicles once I have given my name ssn and other information. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid off my student loans to XXXX. One loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why Equifax is reporting a score decrease when I decreased by debt. Also, during this same time period, Equifax reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.
Product: Debt collection

This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Discover allowed three deposits totaling {$11000.00} in succession using the same bank and all payments made and bounced in a 10-day period. I can understand one, but 3 payments on the same card using the same bank account and that quickly??

Discover blames me but payments are out of my control. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.
Product: Checking or savings account

My account was hacked on XX/XX/2023. 4 unauthorized transactions happened. The amounts were for {$140.00}, {$150.00}, {$49.00} and {$29.00}. 
I called them while the transactions were pending so they could stop payment. They told me they would so I waited a week and called back to check on the progress. Within 24 hours they dismissed my claim saying they could not find anything fraudulent, even though I had specified that they needed to stop those payments. They said it would take 30 business days for the money to get back into the account. So I checked off and on until today. I tried to find a number to call in order to see what was going on with my account and why the money had not been put back in. I could not find it on the chime app and looked it up online. Once I called the number I spoke with a man who asked a few questions. He had me download the XXXX app so he could mirror my phones screen. After walking me through everything and telling me I had to follow a few steps, he ended up stealing {$1100.00} out of my account. Leaving me with XXXX cents. The phone call dropped with him so I immediately disputed the transaction he had made and was able to call through the app finally. They told me that they would investigate the claim of hacking. While on this call was when I learned that the first 4 claims were denied and that most likely they would not be able to get my money back.
Product: Credit reporting or other personal consumer reports

I was Checking my credit report and I see some Inquiries that I have not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made phone calls and sent letters bureau refuses to acknowledge my concerns
Product: Consumer Loan

My card was involved in an accident and the car was totaled. As a result fo the insurance claim - a large percentage of the loan amount was paid off by insurance. At that time I contacted the creditor and explained the situation. There was a balance leftover that was due from me and the creditor said that I would be able to seperate that from the loan and have a different payment arrangement on that portion of the balance. Time went by and I did not recevie any information so I called the creditor and sent an email. More time went by so I called the creditor again and this time the creditor said that I had to make full car payments and that the account was past due because I did not pay regular car payments on the small amount due and remaining. The creditor marked me late to the credit bureau. Even though I was talking with them about a different payment option and set up for the balance left over. I asked them to consider making an exception as a one-time courtesy to remove the XXXX x XXXX late payment and they refused. They said I would need to dispute it with the credit bureau. I had XXXX loans with the creditor and never made a single late payment. They refused a one-time courtesy request and the representative on the phone was quite rude about it. The reason it was technically late was because they did not respond to my inquires on what I needed to do in an insurance pay off situation.
Product: Mortgage

I was charged additional money for an unfair reason XXXX XXXX added to my morgage I never missed a payment
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} 15 U.S.C, 1681section 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 an 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. Any other adverse item of information, other than records 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 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 believe my personal information was breached and I noticed an inquiry on my credit profile and asked Transunion to delete it but the inquiry is still on my credit profile. Please delete this fraudulent inquiry from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today a charged off account appeared on my XXXX with Sunrise Credit Services for a charged off {$200.00} account with XXXX XXXX XXXX I called both Sunrise and XXXX, advising this is hurting my securty clearance and this is and never was my account. Ever. It was opened without my knowledge or consent by an unknown perpetrator. 


SunrisecredXXXX XXXXChargeoff {$200.00} Date reported XX/XX/2022 Date opened XX/XX/2022 Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Placed for collection Account designation Individual Original creditor XXXX XXXX XXXXXXXX