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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1978 Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors, and I kindly request the Consumer Financial Protection Bureau 's intervention to address these violations and ensure my rights as a consumer are upheld. I would like to share my personal experience to emphasize the emotional and financial distress these inaccuracies have caused in my life. 

Below is a detailed account of the violations along with the relevant account numbers and specific FCRA sections that have been violated : XXXX  - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX  - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Failure to verify accuracy of reported information ( FCRA Section 611 ) XXXX XXXX - Account Number : XXXX Violation : Incomplete or questionable information provided about the account ( FCRA Section 611 ) XXXXXXXX XXXX  XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, damaging credit ( FCRA Section 623 ) XXXX XXXX XXXX XXXX CA XXXX - Account Number : Address Violation : Inaccurate personal information reported ( FCRA Section 613 ) Personal Experience : I want to emphasize the profound impact these inaccuracies have had on my life. The resulting damage to my credit has led to denied credit applications and higher interest rates, hindering my ability to make essential financial decisions. I vividly remember the recent incident when I applied for a loan to support an important educational opportunity. The inaccuracies on my credit report resulted in a denial of the loan, leaving me devastated and uncertain about my future prospects. The emotional distress and frustration caused by these errors are overwhelming and have strained my overall well-being. 

I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal provisions outlined in the Fair Credit Reporting Act. I urge you to investigate the mentioned violations and work towards the removal of these unverified accounts from my credit report. This action is not only crucial for my financial recovery but also essential for upholding the integrity of consumer protection laws. 

I greatly appreciate your attention to this matter and look forward to your prompt response. My hope is that your intervention will help restore my financial confidence and provide a path towards rectifying these unjust discrepancies. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

I have switched from XXXX to XXXX XXXX, back to XXXX again sometime in XXXX. I have always pre-paid my insurance be it with XXXX or XXXX XXXX. I was asked for an amount that they ( XXXX XXXX ) thought I owed them to which I have explained that I do not owe them anything given that everything is prepaid. 

I have not paid much attention to it but this has affected my credit score to which I have tried to take the corrective action by raising a dispute last year and this year which did not resolve anything. I tried to contact the collection agency through phone number and I have literally waited for a 2 hr period after which I have not received any response. 

I would like to resolve this by clearly explaining to them but there seems to be no interest on other side.
Product: Debt collection

The statute of limitation expired on this debit. Please stop reaching out to me. Please remove and delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item 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 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this file. If you feel there is a possibility this account 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I believe the account is invalid. 5/3 BANK NA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.5/3 BANK NA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I have sent numerous Certified letters to you ( copies of return receipts enclosed ), requesting that you remove inaccurate information on my Credit Report and you have failed to do so. Accordingly, I can show a judge the above aforementioned account 's are inaccurate and that you have willfully violated 15 U.S. Code 1681i : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. Be advised that unless this matter is settled to my satisfaction within ten days of your receipt of this letter, I will file suite in XXXX Country Small Claims Court , asking for damages in the amount of {$1000.00}, plus court costs. Attached is the Complaint I will file unless I hear from you shortly. 





Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining careful records of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. In addishon u must send me a form that bares my sigenutre on this situation of all debt you calme or you are reporting that bares my sigenture if you fail to do so i will take you guys to court
Product: Credit reporting or other personal consumer reports

The collections agency has engaged in false and misleading practices violating ftc 807 and ftc 8012. Regarding XXXX XXXX  XXXX on my credit report.
Product: Checking or savings account

Last XXXX I borrowed {$2400.00} from a friend, and then I went to work in XXXX, and then I asked her to pay me back, and she paid me back on XX/XX/XXXX, she used her boss 's XXXX to send me money, her name is XXXX XXXX XXXX, there were 3 payments of XXXX, XXXX, and XXXX, but I don't know why the app said it was received on XX/XX/XXXX, and then I received the money and told her I received it, but when I woke up the next day I received a call from Chase Bank telling me that my XXXX was blocked, because of these three payments, so my bank was frozen, the bank did not explain the situation to me, which is a very irresponsible attitude, and then I went to the local Chase Bank, they asked me to return the three payments, otherwise my bank account would be blocked, so I found my friend and asked her why this happened to the money, she didn't reply so I blocked me, her phone number is XXXX, her name is XXXX XXXX, the address might be this, because she was located here before XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, United States . I just hope you can get back the {$2400.00} ( XXXX, XXXX, XXXX ). Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax the week of XX/XX/2021 to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with Equifax to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. This is effecting my credit worthiness and my FICO score. Equifax continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau.
Product: Credit card or prepaid card

I applied for care credit through synchrony Bank. My credit score then was lower than it is now. With all of the same reports on my credit. I was approved for {$1100.00} credit line. I have been paying more than minimum each month. Now that I paid it down to less than 60 % credit usage. All of a sudden they dropped my credit limit to show that I am back at almost max credit limit. Their excuse is that they found all of the same stuff that was already there to begin with.
Product: Mortgage

We have sent i n 3 sep arate payments totaling {$5300.00} to bring our mortgage current. I have spent hours on the phone with  Specialized Loan Servicing and have had  XXXX  tickets open to research and look for our payments, all of which have been taken from my checking account. One p ayment was sent as a personal check via  XXXX  on  XX/XX/XXXX , processed and taken from my checking account on  XXXX   XXXX ,    2017 f or {$1200.00}. Another payment was sent as requested via  XXXX   XXXX  for {$2300.00} on  XXXX   XXXX ,  2017. Ano ther payment for {$1800.00} was sent via  XXXX   XXXX  for {$1800.00} ON  XXXX   XXXX  , 2017.      We will go into foreclosure this coming week if the company does not prioritize this and find our payments and properly apply them to our loan. These total equate to more than 5 months of payments. I ca n't keep taking the time to call over and over again, each time having to explain the situation, and each time being told the same things over and over again. PLEASE HELP!!!     I am attaching what I can to provide confirmation of these payments. The company has these items, with the exception of the receipt for the {$1800.00} payment. However, I verbally gave them the reference number for the  XXXX   XXXX  as requested. I need to locate that receipt and I will then email that directly to the company. A bank statement has not been issued for that date, yet, but once issued I will send that as well. Hopefully this is all taken care of by then!     Attachments :   Bank statement confirmin
g  XX/XX/XXXX  check payment. Bank statement confirming both the  XX/XX/XXXX  and  XX/XX/XXXX 
  XXXX   XXXX   payments.     Receipt from  XX/XX/XXXX    XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.
Product: Checking or savings account

I opened a small business checking account with Wells Fargo several years ago. In XXXX, I opened two additional accounts related to this original account. The banker who opened the accounts called me to return to the bank which I did in XXXX ( XX/XX/XXXX ) because I had moved and the address was appearing differently. So I went in, gave him the documents he needed and signed that my new address was in fact correct. 

On XX/XX/XXXX, I received an email that my email was no longer attached to that checking account. So I logged on to see what was going on and found that all 3 accounts had been closed and my balance was XXXX. No explanation, no other notification. 

I called to the Wells Fargo offices repeatedly yesterday and everyone told me, it was something I had done wrong and it would take 10 days to resolve, and there was no way to reinstate the accounts. 

I pay bills from those accounts and I collect payments. I also pay myself through that business account. 

I finally convinced the banker who originally worked with me to do something and he called me back and said the error was theirs, something he had changed hadn't gone through. So he said I could reinstate my accounts but I had to sign more paperwork. He is in Arizona, I am currently in MD. So I went to a local bank this morning and signed. Now I am being told it will still be several days before the accounts will be reinstated and no one has any idea about my money. 

This seems criminal to me. I made no mistakes. I was never notified - though they repeatedly have said they " mailed '' me something- which I have never received. Yet, they have taken all of my money and closed my accounts, preventing me from conducting business. 

Thank you.
Product: Debt collection

Harris and Harris collection agency for medical. They call everyday sometimes every 30 min to one hour. They call after XXXX or XXXX and all day on Sundays. 
I have tons of voicemails and call logs where they call different numbers
Product: Mortgage

Last fall Champion Mortgage ( Reverse Mortgage ) paid my back taxes I was not able to pay due to being in the hospital 7 times for different issues. They notified me that my house was going into foreclosure. XXXX XXXX 's office put me in touch the XXXX Legal Aid. They got foreclosure date moved out to XX/XX/XXXX 2018. I use to work for a mortgage company and noticed a lot of questionable charges on the balance I was owing. Like drive by appraisals at {$20.00} each and full appraisals of almost {$500.00} each. I requested Legal Aid contact Champion Mortgage to find out who and when these appraisals were done. Legal Aid had made several requests to Champion Mortgage for this information, and at first told them it was in the mail. Legal Aid never received the requested information from Champion Mortgage. No one has ever come to my house to do a full appraisal. I would still like to know the date, person who supposedly did them. Also, once a year Champion Mortgage will mail out a verification of ownership to me, to sign, date and return back to them in their envelope, which I have always done right away. I will always received a " 2nd Request '' a month later asking for the very same thing, I mailed back a month before. This year they stated they sent a verification of ownership in XX/XX/XXXX, which I did not received. In XX/XX/XXXX I got a " 2nd request '' again, only I never received the 1st request. I signed and dated it and mailed it back the same day. In the body of the letter, they state if they do not receive it within 30 days, they will send out someone to do an " appraisal '' and charge it to my account. They had contacted neighbors asking personal questions about me, and if my house is being lived in or boarded up. They neighbors have complained to me about these phone calls. I did not want everyone in my neighborhood to know about my personal business. If they were doing the appraisals, like they say they are, they would know that I am living here, and the house is not boarded up. That can be verified with Legal Aid also. I would like to know when these so called appraisals were done, by who, and who they spoke to at my house. I am the only person who lives here and I have never spoken to anyone or let anyone in the house from Champion Mortgage. I feel this is a very dishonest company and very difficult to work with. I had a difficult time with them, and now Legal Aid is having a hard time working with them.
Product: Credit reporting or other personal consumer reports

Accounts and information on my reports are inaccurate and have hurt my score and my job outlook. 


XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$270.00} XXXX Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$100.00} Status Open. {$49.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Product: Student loan

During COVID they encouraged me to put student loan in SAVE plan, misled about interest and then sold loan off without informing me to AidVantage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not delete a 10 yr old account from my credit report. Its been delinquent since 2011 and and they will not make Santander the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more santander states loan was XXXX payments XXXX a month but a balance still due off over XXXX. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current XXXX again. Being 10 yr old account should be removed. Especially since Santander agreed to remove previously
Product: Bank account or service

On XXXX XXXX, XXXX I discussed with my dentist future orthodontic work that would be needed, and expected that he would prepare an itemized plan for this work, so that I could consult with the dental insurance carried by both myself and my husband, develop a plan of treatment, and work at the insurance coverages, other expenses and a payment strategy before beginning or authorizing treatment. 
Today, XXXX XXXX, I received a bill from CareCredit/Synchrony Bank for {$420.00} due XXXX/XXXX/XXXX with a charge balance of {$10000.00}, that lists a transaction date of XXXX/XXXX/XXXX. This account was opened fraudulently, I never authorized it, and the charge is likewise fraudulent - it is for work that I have not even agreed to, much less have been performed. 
I see that CareCredit/Synchrony Bank was fined {$34.00} XXXX in XXXX for abusive/fraudulent lending practices with unethical doctors and dentists, and it appears that they are still in the medical scam game. 
We are making no payment on this account, as it may be construed as acknowledging its legitimacy, so I am concerned about Synchrony Bank entering false derogatory information in my credit file as a consequence. Thus quick resolution of this fraud is essential.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to ask the CFPB to open an investigation so Credit Collection Services does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am going through a very stressful time with Credit Collection Services. I filed an arbitration case against this company, who is reporting the accounts involved in this matter. CCS has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor ( XXXX ). 

The case I filed is based on several violations that CCS has committed : excessive phone calls, unfair and deceptive business practices, collecting on account with fraudulent charges account. I was called excessively by creditor and Ive kept on getting calls and letters despite me telling them to stop communicating. In addition the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. 

Now the XXXX XXXX XXXX tells me that CCS is out of compliance with them and failed to comply with the XXXX  policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Credit Collection Services will now be upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Ford XXXX XXXX XXXX I renewed my XXXX Lease ( traded in XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with Ford and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that Ford would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that Ford handled this situation with any sort of professional due diligence. Had I received a  phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.