23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX started reporting XXXX accounts that were included in my bankruptcy in XXXX. The problem is Resurgent is claiming these accounts were opened in XXXX while I was under bankruptcy which is very much incorrect. One account was XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX Both accounts were under XXXX XXXX which was under my bankruptcy in XXXX. The problem I have is no accounts should be sold to these shady companies to try and double collect on accounts that were under FEDERAL BANKRUPTCY. These accounts were removed from my credit during bankruptcy and within the last 2 years, Resurgent has started posting them as non-paid accounts. The bankruptcy attorney has contacted them and told them these were part of the bankruptcy with the account # 's and yet they still are saying that I got the accounts in XXXX and I never got any of these accounts in XXXX as I was still under bankruptcy. Every time I have tried to tell Resurgent this they call me a liar I think I would have known if I had gotten those during the time I was under bankruptcy and that is against the federal bankruptcy to open any accounts like that. I plan on filing a lawsuit because these accounts should have never been added to my credit report! Being they were bought by a 3rd party makes it even more shady that the banks were lying. I want this fixed as I stated I plan to sue for damages to my credit report and the XXXX this has caused my health. In the paperwork, it shows LVNV FUNDING ON BOTH ACCOUNTS XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

BBVA bought my bank, Simple, and today was supposed to be the transition. Their system is broken, Im locked out of my account, and I have been trying repeatedly to get through via phone and online and I cant get ahold of anybody.
Product: Credit reporting or other personal consumer reports

After a thorough review of my consumer report, On XX/XX/2024 I sent a letter via certified mail to the NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX In regards to the inaccurate reporting of a charged-off debt for the amount of {$12000.00} on my consumer report. This letter was confirmed to be received by NAVY FEDERAL CREDIT UNION on XX/XX/2024. 
NAVY FEDERAL CREDIT UNION has failed to conduct an investigation in a timely manner, and is still negligently and willfully reporting this inaccurate information on my consumer report after they have been notified and received my correspondence that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them.

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX Inaccurate accounts numbers listed : Experian : XXXX Last Activity XX/XX/2022 XXXX : XXXX Last Activity XX/XX/2022 In accordance to the Fair Credit Reporting Act any information that is inaccurate must be removed immediately.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Debt collection

Citi Cards has violated my federal consumer rights. Pursuant to 15 USC 1692b ( 5 ) - XXXX of location information ( 5 ) " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; '' They have communicated to anyone who saw this mailing they are in the debt collection business. Pursuant to 15 USC 1692d ( 1 ) -Harassment or abuse ( 1 ) " The use or XXXX  of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. '' They have used repeated threats to ruin my reputation and creditworthiness. Furthermore they have also violated 15 USC 1692d ( 4 ) and have threatened to advertise the sale of my alleged debt to a third party to try to coerce payment from me.
Product: Credit card or prepaid card

I am a current customer of Huntington Bank. I overlooked a payment on my credit card in XX/XX/XXXX. Once I realized I had overlooked the payment I made the payment along with the payment for XX/XX/XXXX to bring the account current. Over the past month I have attempted to work with Huntington to have the 30 day late payment in XX/XX/XXXX to no longer report as a 30 day late payment as a goodwill gesture. I have spoken to 5 different representatives with Huntington and no one is hearing what I am requesting. Each person is submitting this through as I am stating that I was not late on the payment. I have been asked to send my credit report to a fax number. Each letter I have received has stated that the investigation confirms the payment was late and will continue to report to the credit bureaus. My credit report will show that my payment history on every account that I have has never shown a late payment 30 days or greater. I felt that this evidence and this being a one off situation would be enough documentation to have Huntington remove the 30 day late payment in XX/XX/XXXX as an act of goodwill. I feel Huntington is not listening to what I am really asking for and being unreasonable with my request.
Product: Student loan

I called Great Lakes Student Loans about additional payments that were added to my account. I was keeping detailed notes about what I owed due trying to pay off my student loans account. Also, on XX/XX/2019, I sent Great Lakes Student Loans a letter detailing and disputing additional fees on my account. 

Namely, On XX/XX/2019, I had a total owed balance of {$5900.00}. 

On XX/XX/2019, I paid an additional amount of {$400.00} leaving a total owed of {$5500.00}. 

On XX/XX/2019, my owed balance was changed to {$5600.00}. Great Lakes Student Loans had added a total of {$160.00} to my account. There was no record of any change on my account except that Great Lakes Student Loans had changed my balance. I was not notified in anyway that there were additional charges or what the charges were for. 

On XX/XX/2019, I made a payment of {$43.00} leaving a total listed balance of {$5600.00}. 

At this time, my balance should have been {$5400.00}. 

On XX/XX/2019, my balance was again changed. The new listing was {$5700.00}. Great Lakes Student Loans added an additional {$120.00} to my account. Again, I was not notified and there were no records of any changes listed on my account except that my balance had gone up. 

On XX/XX/2019, I paid an additional payment of {$1000.00} which should have left me with a balance of {$4400.00} On XX/XX/2019 I made additional payments of {$350.00} and {$750.00}. My total owed balance should be {$3300.00}. However, my balance is {$3600.00}. 

As of XX/XX/2019 I have not heard back from Great Lakes Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank has only owned my equity loan account for a few months however they have reported XXXX missed payments on my report. They also fail to apply payments to my balance and after paying over XXXX in payments since XX/XX/XXXX they still show I owe my monthly payment. O hav3 contacted them numerous times and they can not find my payments although the payments show clearly on my online account. The last XXXX times I tried to contact them they disconnected on me for no reason.
Product: Checking or savings account

I have disputed transactions that 1. I didnt make 2. I returned an item but didnt get my credit back but the Banks are always reversing it, which then takes my credit back and I go negative
Product: Credit reporting, credit repair services, or other personal consumer reports

ESPERIAN  XXXX XXXX It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " idem sonans '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR XXXX GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} Without Prejudice, UCC 1-308, 305 [ acceleration ] ; 104, 107 ; 3-419, 603/3-311, 109, 302, 306 ; 10-104 ; HJR 192 Treatment of credit balances. 15 U.S. Code 1666e ; 15 U.S. Code 1666 ; 15 U.S. Code 1666d ; 15 USC 1662b ; 18 U.S.C 1951 ; 31 U.S.C. 3701 ( d ) ; 31 U.S.C. 3716 ( h ) ; 42 U.S.C. 407 ; 42 U.S.C. 1383 ( d ) ( 1 ) ; 31 U.S.C. 3716 ( c ) ( 3 ) ( B )
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- XXXX, Equifax, and XXXX - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities.

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly.

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.
Product: Vehicle loan or lease

I am purchasing a used boat. Bank of America has a ships mortgage on the XXXX XXXX title that they have not released. We have tried numerous channels to get a response from B of A with no response. This is a 20 year old loan that we confirmed was paid off in XX/XX/2004. Again, big bank no consequences for no responding to consumers who aren't putting money in their pockets. What can I do??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..CFPB please step up and remove the accounts 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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX Inquired on XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent to XXXX, XXXX and exp they all taken more than 30 days
Product: Mortgage

When my mother died 10 years ago i took over her mortgage and was making payments to XXXX for about 6 years we had no problems i could ask them anything about the loan and they would talk to me about it, then they sold the note to a company called XXXX the payments went up and the company refused to talk to me because my name wasn't on the loan i told them that i was the deed holder they wanted copies of my moms death certificate copy of the deed the sign off letter from my siblings, sent them all that they had me send it again saying they never got anything but yet i had conformation letters. then i called one last time and someone talked to me but would not give me any information saying my name isn't on the loan. The next thing ya know i get a letter in the mail that they wanted proof of insurance sent them that they said that my moms name had to be put on the policy written as in the interest of : so i did that still had to wait 30 days till the legal department went over everything. then another letter comes saying that Carrington bought the mortgage tried contacting them to talk about the mortgage i was told to submit everything again ( which i did 3 times ) got the conformation letters but they kept saying they never got anything. then in XXXX of XXXX i got a letter from Carrington saying they wanted a copy of my drivers licensee and birth certificate. I called them asked if it could be my baptismal certificate i was told that was ok so i faxed that to them i called to let them know and they said they didn't get it so i faxed it again ( i had conformation letters as well ) was told that i had to give the legal team 30 days to process this again i want to discuss the payments because the amount went up from XXXX to XXXX. I have started the process to refinance the loan and they will not give me a payoff. When XXXX did a title search of the property the title came up clean twice yet i've been paying for ten years on this loan. Here are the 1098 's that are a little shady to me : In XXXX this 1098 came from XXXX that the balance of the loan in outstanding mortgage principal was XXXX and the interest received was XXXX also in XXXX XXXX sent out a 1098 form stating XXXX was mortgage interest received from payer and nothing shows in the outstanding mortgage box. 
In XXXX XXXX sent me the 1098 form in the mortgage interest received box shows XXXX and the outstanding mortgage principal box shows XXXX. Under the principal reconciliation box it shows XXXX beginning balance XXXX Principal applied XXXX ending balance this loan has gone up instead of going down. 
Then also in XXXX i get another 1098 form from Carrington showing that Mortgage received XXXX in interest then down in the outstanding mortgage principal box it shows all XXXX XXXX XXXX My mom took out this mortgage in XXXX according to these 1098 forms and it apears that the principal has gone up instead of going down as the loan has changed hands from company to company.My question is is there anything you can do to help me solve this probelem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that a consumer reporting agency has a responsibility to report with fairness, impartiality, and respect for the consumers right to privacy. XXXX, TransUnion, and XXXX are consumer reporting agencies as I am the consumer. I have the right to make sure my private non-public information is not shared per 15 USC 6801 which states It is the policy of the Congress that each Financial institution has a favorable and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of their customers nonpublic personal information as the furnishers of that said information to credit agencies. 15 USC 6802 states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I, XXXX XXXX, the consumer, is given an explanation of how I can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681a 1 states " 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. 15 USC 1681 sections 604A section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instruction from the consumer to whom the information relates to. Financial institution XXXX XXXX XXXX + XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately ) XXXX XXXX XXXX + XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately ) XXXX XXXX XXXX XXXX XXXX ( Account not Showing all credit reporting agency in must be removed from My credit report immediately ) -Collection account- XXXX XXXX XXXX Never give my Written consent to report To my credit report and the consumer reporting agencies listed above do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to these credit reporting agencies listed above whether it was verbal, non-verbal. Written. Implied or otherwise is permanently revoked. With this being said I am opting out of your reporting services as it is my right to per 12 CFR 1016.7 A consumer may exercise the right to opt out at any time.