23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

the account was frozen by capital one. false promises to lift freeze claiming account that I have been using to pay is not mine. the same account I have been using for 8 months. they refuse to call back and refuse to unfreeze my card. They keep making up a bunch of jive to justify it. but after a year holding this card and not having any issues, it seems they are just debt climbing their customers and dumping on them.
Product: Mortgage

I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$54.00} Bankruptcy XXXX  XXXX Dismissed XXXX Bankruptcy XXXX  XXXX Dismissed XXXX
Product: Debt collection

I don't know why I owe this company money or who they are. I am not sure how much I owe them but they have sued me. They have taken my state income taxes, my husband 's state income taxes and are about to take my paychecks as well. I am very scared, my husband hates me now, I might be fired from my job. I am terribly embarrassed and no one at this company will even speak to me. I have never had an account with this company and have no idea how I owe them money. HELP.
Product: Credit card or prepaid card

XX/XX/XXXXthe company I work for - their payroll service ( XX/XX/XXXX) was hacked into and I was told to check my accounts including my credit accounts and activity. I checked XX/XX/XXXX and saw an unfamiliar inquiry on my account - XXXX  a store that I do not shop at. I am on the phone now with Capital one who services this stores credit card.
Product: Bank account or service

XX/XX/2014 I had fraud and identity theft on my XXXX accounts XXXX with XXXX and XXXX with Bank of America. Police reports were filed people were convicted and restitution had been ordered. However XXXX cleared it up for me and sent me a letter stating they have cleared it up. Bank of America has refused to clear it up and it is still negative when I went to open a checking account a week ago. XXXX removed it but XXXX still has it in my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, two car loan companies ( BB & T/Truist and XXXX XXXX XXXX  ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other  things. That agreement, which I consider them bound to, is attached. I have diligently paid weekly and they have refused to uphold their end of the agreement. 

At this time the account for XXXX XXXX XXXX has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. XXXX XXXX  has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement. 

At this time, BB & T/Truist has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree  to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.
Product: Credit reporting or other personal consumer reports

The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/2024 Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/2024 Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Inquiries From : XXXX XXXX XXXX on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX : XXXX XXXX XXXX on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY on XXXX : XXXX XXXX XXXX on XXXX : XXXX XXXXXXXX XXXX on XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : BANK OF AMERICA XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid XXXX I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. 
I need help because they are ruining my credit history with this wrong reporting of my payment history. 

Thank you.
Product: Mortgage

Shellpoint Loan Services ( NewRez ) took over the servicing of my mortgage effective XX/XX/XXXX. I sent my XX/XX/XXXX payment through recurring Bill Pay to my old servicer and it was paid by my bank ( XXXX XXXX ) on XX/XX/XXXX. Shellpoint says it " sees '' that payment but can't get it applied to my account because they're having " trouble transferring payments to accounts '' from the old system. They want me to be " patient '' but I continue to receive notices in the mail that I am behind, now owing them more than {$6000.00} none of which is accurate. They also keep giving me different addresses to make payments to. I have set a XX/XX/XXXX Bill Pay from XXXX XXXX and am concerned it will not get applied properly.
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts. I have never been late, but they are incorrectly reporting me as such.
Product: Checking or savings account

Chase Business Checking mess -- caused by " back office mistake ''. 

Just spent two hours on the line with 5 different chase representatives. 

They've explained to me that they accidentally closed my business checking account and the payment I have been waiting 3 months for has been returned. 

Now not only do I appear incompetent in asking the client to reissue the payment, but i've wasted my entire day over this situation. Chase was supposed to stop the payment return when they reinstated my account. 

On top of that, I made overdue payments to XXXX XXXX [ and others ] that are now all being returned as " insufficient funds ''. This has locked my XXXX XXXX account and caused a domino effect of other payments. 

I request, no -- demand resolution -- Chase needs to : 1. ) take ownership for this mistake 2. ) fix the issue with XXXX XXXX -- this is your fault, not mine -- any fees or penalties are chase 's to correct 3. ) get the ACH returned by contacting the issuing financial institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to experian since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.
Product: Student loan

School is XXXX in XXXX, NC. Simm Associates, a collection agency, left several voice messages and then sent a letter informing me they were collecting for a delinquent student loan, for which I am the cosigner, with XXXX. This loan is being serviced by XXXX. After contacting XXXX, I was told the loan was NOT delinquent and since the student not graduated yet, it is impossible for this loan to be declared deliquent. The agent at XXXX was very helpful. When I contacted Simm Associates, the collection agency, at the number listed on the letter they sent, I was asked for identifying information such as my date of birth. I declined to provide any personal information and offered the account number from the letter. The agent refused to continue the call unless I provided this personal information, and which point I ended the call.
Product: Debt collection

Faloni law group Has submitted false doucemnts to the courts and back dated doucumets to ry to collet a debt, violating the fair credit debt act. They refuse to validate the debt and send me any or all information that have my signature on it. 

On XX/XX/XXXX Faloni law group sent me more fraudeltn documemts. 


I have the documents and will send via emal upon your request. 

example : Faloni sent a fradu agreement that stated arbrtratin i can be chosen with the dates wrong and cerifed with and signature ( XXXX XXXX ) then tried to withdraw it from the courts.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 : 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 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 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

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved.

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : 1. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX 2. XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX 3. XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX 4. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Vehicle loan or lease

I can no longer afford this vehicle and reached out to this company to let them know and I was willing to pay the balance after it was sold to auction I requested for surrender papers and I never received them after numerous calls and text and still no reply or given the correct documentation I am the primary holder of this vehicle yesterday I received a call that I recorded and ask how are they picking up the vehicle without the proper documentation saying I surrender the lady responded that everything was ok for the surrender with out the paper work and they will be back in touch with me after a month only to find out that they repossessed the vehicle and claim I never provided them paper work to surrender my apr rates has changed month to month I put in XXXX on this car and it only shows I paid a little over XXXX this place does illegal activity and it will hurt my credit they dont follow the XXXX rule they reach out to everyday all day my phone email and rec messages
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
1 XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, Transunion, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, Experian, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : 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: Debt collection

I think this is debt from my bankruptcy that was already disputed. Im not sure what this is currently involving
Product: Student loan

It is   XXXX   XXXX   2017. I have been on hold for upwards of 2 hours attempting to reach an agent in the United States to discuss terms of my myriad federal and private loans with Navient. I spoke with them last month about updating my income based repayment. Now they are saying that my loans are late, although I already submitted the paperwork. Conveniently, the document is not appearing in my document upload portion of the web site. I am sick and tired of the abuse and run around from this predatory lender. In the past, they tricked me into using forbearances instead of lowering my repayments. They only care about profit, not helping customers. My payments only go towards interest, never the principal. This monthly procedure makes me sick. Please help.
Product: Credit reporting or other personal consumer reports

Experian is fraudulently reporting inaccurate information that they NEVER verified or validated.