23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to   XXXX   and Equifax on    XXXX   XXXX    It was removed by both  XXXX  and Equifax. It reappeared under another collection agency name  XXXX  in   XXXX   XXXX    . I was never notified by either  XXXX  or Equifax in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed for a  XXXX  time on  XXXX   XXXX . I looked at my credit report today and found that for the  XXXX  time on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act COMENITY CAPITAL BankAccount # XXXX, has violated my rights. 


n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 




15 U.S.C 1681 section 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 a account without my written instructions
Product: Student loan

I was placed on the long term modification program to alleviate my financial difficulties. I have now been out into default because chase did not put the past due balnce into forbearance as the XXXX rep told me would happen. Now all of my loans have become accelerated and are asking me to pay all loans in full. I can not do this, I am barely able to make lower payments.
Product: Debt collection

On XX/XX/2021 I contacted the Office of XXXX XXXX XXXX, XXXX in respond to a letter that I received by mail with a Execution of Money Judgment against me and they are representing Calvary Portfolio Services, LLC to collect {$10000.00} dollars debt on a vehicle I was trying to explain that this account already pasted the 6 years status of limitation for Massachusetts and 5 years for the State of Florida and they are treating with the Judgement to taking my house as far as I can understand. The bank or the collector didn't send me any court order to go to court to address this issue in the past 15 years and now they are requesting that amount when I have a home loan to pay diagnosed with XXXX and XXXX I was not working for 3 months and I also had the XXXX recently. I don't have the ability to pay this debt at this time specially that it is from offer 13 years old debt from another State. I feel this is abusive and unprofessional.
Product: Debt collection

I purchased a XXXX XXXX from XXXX in XX/XX/XXXX under XXXX XXXX. In XX/XX/XXXX, the motherboard stopped working. I called XXXX and they told me the device was still under warranty so it could be returned/exchanged. They offered me an upgrade to an XXXX as long as I paid the difference. I paid this balance in XXXX also. However, XXXX never credited the XXXX XXXX account. They claim it was a new purchase when it was not. The XXXX was under warranty and it was a return. Please help. I still show a balance with XXXX XXXX and I should not.
Product: Credit reporting or other personal consumer reports

On Friday XXXX XXXXXXXX I received a credit alert from my credit monitoring service that a collection account had been added to my credit report. I immediately logged in and saw that XXXX XXXX had added a collection account in the amount pf {$4300.00} to my credit XXXX and Experian credit reports. I contacted the company and informed them that the account was not mine. The representative told me to contact XXXX. Upon contacting XXXX I was told that I had to submit an identity theft report to have the accounts removed. According to their files the account was opened in XXXX, XXXX  in XXXX. During that time I was still on XXXX XXXX in XXXX XXXX XXXX XXXXXXXX and was living in XXXX, XXXX  and could not have obtained this account. Im attaching to this dispute a copy of my military retirement orders as well as my XXXX showing that my actual retirement date was XX/XX/XXXXXXXX  and that I retired to XXXX, XXXX XXXX I resided in XXXX, XXXX until I moved to XXXX  in XXXX XXXX.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that these accounts be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting act has DYCK ONEAL They also violated my rights under these laws : 15 U.S.C 1681 section 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.
Product: Credit reporting or other personal consumer reports

Transunion is still showing XXXXXXXX XXXX  on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The information and Accounts listed below have violated my rights. 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. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good day to you. I am sending in this complaint as a last ditch effort to remove a bankruptcy that is being reported innacurately on my experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that experian is not even responding to lexis nexis to remove this account. Please have them remove this as this is the XXXX month I have disputed with experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. 

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

XXXX XXXX  Experian and XXXX should not be reporting a collection/chargeoff in the amount of XXXX on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss and I had GAP insurance at the time. The insurance paid off this remaining balance and this account needs to report a XXXX balance due and not be reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the GAP insurance letter for reference which shows the GAP BENEFIT amount of XXXX which clearly paid off any outstanding balance that was due. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the Experian and XXXX and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.
Product: Debt collection

For more than six years, XXXX XXXX and its subsidiary, XXXX XXXX XXXX, have tried to wrongfully and unlawfully collect a number of alleged XXXX-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and XXXX XXXX XXXX have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and XXXX XXXX XXXX have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged Wells Fargo Bank account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2700.00} XX/XX/XXXX XXXX XXXX Balance : {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 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 XXXX XXXX XXXX {$160.00} and XXXX XXXX XXXX {$2000.00}.
Product: Credit card or prepaid card

On XX/XX/22 I contacted CapitalOne ( XXXX XXXX credit card ) concerning an interest charge in my new statement, even though the previous statement balance had been paid IN FULL five days before the end of the billing cycle ( I even paid more than the balance ). The interest charge was {$16.00}. 

To make matters worse, the interest charge was assessed on an amount higher than the balance statement. 

The agent I spoke to tried to guess what the problem was but was not addressing the issue : she guessed that it was a previous monthly balance, was there was none. She guessed that I had not paid in full, but I paid more than the balance statement. Even though the agent was guessing, they were intent on simply declare I was wrong. Nothing came out of this conversation. 

Their explanation in the statement comes to " '' How is the Interest Charge Determined? '' ( below ). But that description does NOT unequivocally state whether it is the END OF THE BILLING CYCLE or the DUE DATE that is determined to charge interests. CapitalOne simply interprets this in their favor, while a plain reading of the description and other documents makes. But any fair reader will see that the phrasing very much indicates that it is the END OF THE BILLING CYCLE WHAT COUNTS. 

CapitalOne seems to be praying upon costumers based on loose language they use their power to interpret in their favor. 

CapitalOne agents and surpervisor were acting as if my only recourse was to complain to CapitalOne. They were cagey about how I could proceed with my complain outside CapitalOne. 

Actions : besides talking to them, I am submitting this complain, and will submit another with the XXXX XXXX XXXX. CapitalOne did nothing. 

" How is the Interest Charge Determined? Interest Charges accrue from the 1 ) date of the transaction, 2 ) date the transaction is processed or 3 ) first day of the billing period. Interest accrues daily on every unpaid amount until it is paid in full. Any interest that has accrued during a billing period will post to your account at the end of the billing period and will appear on your next statement. This means you may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the previous month. ''
Product: Checking or savings account

On XX/XX/XXXX I contacted Citibank to close my savings account. They said they would send the remaining balance ( about {$12000.00} ) by check to my house. They confirmed the address, which had not changed in 27 years. We never received the check. My parents are retired and someone is home almost XXXX, and we have a surveillance camera pointed at the mailbox. 

We have called every week for months, and they insist that they will send another check, but they never do. They tell us to call back in 2-3 days for a tracking number. We call, and they have no record of sending the check. They don't have a record of any check since XXXX. They have told us they will stop payment on the check from XXXX many times. Did they ever actually stop payment? Who knows. It seems not. 

It has been almost four months and we still have not received the money. The insist that we can not get it from the branch or any other way. They have stolen {$12000.00} from us and think that's totally fine. They will just keep " forgetting '' to send the check, or lose our request, and keep it forever. This money does not belong to them. It is theft, plain and simple. They say there is no one we can escalate to, and no other options.
Product: Credit reporting or other personal consumer reports

Please find attached, CFPB Complaint ID : XXXX, Subject Property : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc.

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. Accounts payment history are reflected as late payment on my credit report in violation of Federal Law.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Hello, I have been having an issue with Experian in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Product: Student loan

I refinanced a student loan with XXXX that was previously serviced by Earnest Operations LLC. The payoff check that was purportedly sent from XXXX to Earnest on XXXX XXXX, 2024, but never arrived according to Earnest, and now I am forced to pay balances on both loans. XXXX will not delay payments, nor will they help in anyway other than stating the check was sent and advising me to wait. Further, XXXX does not have any tracking number as the check was allegedly sent XXXX Mail via XXXX according to the loan agreement. Earnest will not confirm receipt of the payment, and XXXX is stating that it was actually sent via ACH although my loan agreement states otherwise. Both companies have been extremely unhelpful.
Product: Mortgage

We experienced a loss on our property and filed a claim with our insurance. The insurance company handled everything expeditiously and paid our claim for a new roof as well as interior damages. 

Upon receipt of the claim check, we were required to submit to our mortgage company for endorsement. We have spent weeks, jumping through hoops, and still do not have the funds available to begin repairs. 

This process is very detrimental to families who need their home repaired and these companies have no interest in helping in a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some unauthorized inquiries reporting.
Product: Prepaid card

netSpend refused to activate pre-paid gift card, asked us to send them social security cards and marriage license in order to activate. This was all for a {$100.00} pre-paid card that was a gift. Froze account and refused to do anything unless we met their demands.
Product: Checking or savings account

My family and I were 15 year customers of USAA with 2 checking accounts and 1 savings account serving all of our monthly banking activity. These joint accounts are what my family and I used to pay bills, deposit paychecks into, save for the short term, and use for daily purchases. I handle all of the finances in the household, but my wife is on as a joint account holder so that she has equal control as Im away from the home quite a bit in the XXXX XXXX. A few months ago, I logged onto USAA and was required to answer a few questions about the account usage in order to continue to the accounts. They were simple, seemingly unimportant questions so that USAA could understand our customers and how an account will be used. This information may include, but is not limited to, the source of funds used to open the account, purpose of the account, anticipated account activity, country of citizenship and occupation ( Information obtained from the account closure notice ). 

On XX/XX/XXXX, I signed into my accounts and saw that 2 of my 3 accounts were missing, and one was put into a credit only status. I called USAA and they informed me that the accounts were closed because of missing information pertaining to my wifes profile, but the customer service agent was just as XXXX  as to why they would close the account and wasnt able to provide any more information to me. I had my wife call and they went over the same questions that I faced earlier, How often do you use the account?, How many checks do you write, etc.. Questions that I answered months ago, but it was too late, the accounts were already closed and nobody could help in reinstating them. 

Were now left waiting XXXX days for my checks to arrive so that we have money to open a new account and so that I have a place to deposit checks from my employer. In the meantime, we cant pay our mortgage, monthly bills, or use cash in any way. We now have to explain to creditors that we have no bank for the near-term, and are required to reach out to those with checks that weve recently wrote to please not cash them. Were XXXX. 

No attempts were made to contact my wife using our communication preference methods on the account of text and phone call. Shes mostly hands off from the accounts other than the daily use of the debit card and the writing of checks. 

How is this moral? If this information is so important why werent there phone calls made to my wife? Why were the accounts not merely frozen until that information was provided? Very little effort was made on the part of USAA to maintain us as customers. The impact this has had on our lives is not insignificant and is enough to tarnish a 15 year relationship and drive us to another institution for our banking needs.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX has violated my rights. 

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

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.