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

I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA.

account-Nationstar Mortgage LLC Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Debt or credit management

I signed up for self.inc. You pay {$25.00} a month for 24 months, youll receive all the money you invested back at the end of the 24 months. I did miss a few payments but I feel as though my credit score didnt increase.
Product: Mortgage

Hello- we closed on our home on XX/XX/XXXX. Suntrust owes us {$4700.00} in escrow return. I have called them 6 times and have spent 119 minutes in total trying to get our payment returned. 

We moved from the home we closed on into a temporary apartment. I called with that address ( XX/XX/XXXX ). The first time they missed the unit number and I called again on XXXX they said they added it. The person I spoke to said " they usually figure it out without the unit number ''. It was a huge apartment and we were there temporarily so there was no way it was going to get to us. The third time I called ( XX/XX/XXXX ) I was under the impression it had been reissued and it wasn't. I called again on XX/XX/XXXX for a status and on XXXX where the person was the most understanding I spoke to and said she was going to request an expedite but wasn't sure it would happen. She said that USPS typically returns checks and does not forward them. 

I called again today XX/XX/XXXX and she said the status was they were checking to see if the check got cashed. 

Looking at some online documentation I don't know if they ever had our address right in temporary housing. Its an address with a unit number. It's pretty straight forward and I gave it multiple times. 

We had a mortgage for 6 years and never missed a payment. It's been 2 months and I can't get our money back that they owe us!! Could you imagine if I missed two mortgage payments! 

I had a similar situation with my home insurance company ( XXXX XXXX ). They updated my address, cut the check and I had it in 3 days no problem. Yay! 

I am currently waiting for a call back from a supervisor and am requesting for a wire or direct deposit. I am officially 2 months from paying off my loan to SunTrust and no payment is en-route to us. 

Phone Calls to SunTrust XX/XX/XXXX - 17 minutes XXXX - 16 minutes XX/XX/XXXX - 27 minutes XX/XX/XXXX - 16 minutes XXXX - 20 minutes XX/XX/XXXX - 23 minutes
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY SOUTHERNFN Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY NATIONAL CREDIT ADJUST Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS ADVANCE COLL Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DT CREDIT Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... EQUIFAX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have Equifax & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
Product: Credit reporting or other personal consumer reports

I was victim of identity theft these are not my accounts XXXX XXXX XXXX XX/XX/XXXX amount {$4700.00} XXXX credit card XX/XX/XXXX amount {$450.00} XXXX XXXX XXXX XXXXXX/XX/XXXX amount {$1000.00} XXXX XXXX XXXX XX/XX/XXXX amount {$440.00} XXXX credit XX/XX/XXXX amount {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires that I didn't make on my credit, please see company below that I did not contact! 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Having all these inquires is making my score go way down and I never contacted these companies above. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible is the dates is inaccurate and the date last reported is not accurate. this is grounds for removal they also violated my rights under law. 

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 a account without my written instructions. 

The accounts in question is XXXX XXXX XXXX account # XXXX ... Also XXXX  account XXXX ... Also XXXX  account # XXXX
Product: Checking or savings account

Case numbers XXXX, XXXX claims have been denied with no proper evidence, they have sent me documents showing the remote log ins during these fraudulent transactions taking place in California and XXXX Texas which I am located in XXXX. I would like a further investigation into these fraudulent transactions and a refund of my funds that were withdrawn from my Wells Fargo account ending in XXXX attached is my evidence of fraudulent activity and log ins from different locations.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX 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 XXXXXXXX XXXX  XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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: Checking or savings account

On XX/XX/XXXX I sent a {$34000.00} check to XXXX XXXX, my daughter in law. She endorsed the check over to her investment account at XXXX and mailed it. The endorsement on the check was covered with " white out '' and fraudulently endorsed over to an XXXX account in a different name on XX/XX/XXXX. The money was paid out by FNB Omaha XXXX. We have reported this theft to XXXX ( our bank ), the USPS, and the XXXX XXXX XXXXXXXX has told us that we have submitted all the required information and documentation. 

XXXX has been working on this and has been in communication with the Bank of Omaha in an effort to recover the {$34000.00}. They tell me that the Bank of Omaha has been unresponsive. It have been over 6 months!!! 

XXXX XXXX XXXX XXXX Executive Client Relations, has been working on this case. Her phone number is ( XXXX ) XXXX. For reference, my XXXX checking account number is XXXX.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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: Debt collection

The hospital is trying to collect a debt, the insurance company paid the hospital bill. 

On the Explanation of Benefits states. 
" PAYMENT FOR THIS SERVICE MAY HAVE BEEN REDUCED. THE SERVICE WAS DONE BY A NETWORK PROVIDER. THIS MEANS THE PROVIDER HAS AGREED TO ACCEPT THE CONTRACTED AMOUNT, LESS ANY PRICING CHANGES DUE TO MODIFIER ( S ) THAT MAY HAVE BEEN SUBMITTED ON THE CLAIM, AS PAYMENT IN FULL '' The hospital is an in-network provider and should not be charging me any amount
Product: Vehicle loan or lease

I had pushed a loan payment back to the end of the loan at the end of 2019. My XX/XX/2019 statement reflected the pushed back payment as well as the change in due date. I had moved the due date back 11 days from the XXXX of the month to the XXXX. The amount due stated on the bill I received on my XX/XX/XXXX statement reflected that one payment was due. I pay the payment in XXXX before the next due date. For some reason it showed that another payment had been placed on my account in XXXX. During several attempts to have the issue resolved by Santander I was told that the deferred payment was mistakenly placed in XXXX instead of the back of the loan. I was told on several occasions that the issue would be fixed. I have disputed the inaccuracy twice through my credit reporting agency and both times it has not been corrected. The late payment on my credit report caused my credit score to drop multiple points. I am in the process of trying to buy a home and it has greatly impacted that. My account has yet to be corrected and my credit report still reflects a 30 day late payment for the month of XXXX. Each time I reach out to them I am told my complaint is being sent to a different department for review and that I should call back in a few days to check to see if the issue has been resolved. Each time I call back the issue has not been resolved and I am told the same thing and to call back and check on the status in a few days. I have never been given any resolve on the issue and nothing has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off the loan 2 years early to LOBEL FINANCIAL. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe LONEL FINANCIAL money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them XXXX or XXXX times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job
Product: Credit card

I have worked very hard to acheive a near perfect credit score. I am constantly receiving phone calls and emails from scammers trying to impersonate banks and companies I frequently do business with. It upsets me when some banks think they are above the law and spray and pray unsolicited credit cards at customers with good credit rating. 

I have been a Kohls customer for many years but rarely used their rewards program. They increased my credit limit from {$500.00} to {$2000.00} without my permission in XXXX. I contacted credit.kohls.com about it and was informed about the pending conversion to Capital One XXXX Credit Card. 
Hence I closed my account right then and there and requested them to send me a letter confirming this, which I received. There were no payments pending or balance owed on my account with kohls when I closed it. 
Kohls/XXXX are now appearing on my equifax credit report as closed. 

I have been receiving junk email from capital one announcing their credit card rollout with no option to unsubscribe or close. 

Then on XX/XX/year>, I received an unsolicited credit card from Capital One bank. When I called the bank, the only way to speak to an agent was to enter the card number. The IVR did not ask me for any other information to verify the account. It straight away gave me the option to activate the card. 
The agent I spoke with initially thought that I was calling to activate the card but got nervous and shifty when I informed him that this was an unsolicited card for a closed account and in violation of FCRA. I confirmed with him that the balance on this account was {$0.00}, I made him cancel the card, close my account, and flag me as someone not to do business with and do not contact. 
During the course of the conversation, the agent informed that they are getting a lot of calls about this since the transition to capital one started. 

I have also recorded the conversation to keep the record straight, as the law allows me to do so in my state of residence. I am happy to share it with any investigator or attorney for the purposes of bringing Capital One to justice.

I am very upset with Kohls for selling/ giving my information to Capital one without my consent.

I am very upset with Capital One for issuing thousands of unsolicited credit cards without doing their due diligence.

Kohls is a dying brand. Many customers don't shop there anymore and do not have their current address on file with Kohls. Innocent people are going to have their credit ruined when these unauthorized cards fall into the wrong hands.
Product: Credit reporting or other personal consumer reports

Equifax XXXXXXXX XXXX XXXX XXXX I do not have an open credit card with XXXX XXXX XXXX XXXX You are reporting late payments and a current balance when I do not even have an open credit card with this bank. This is my 5th request. 
XXXX. XXXX XXXX  XXXX he late payment history for XX/XX/XXXX is inaccurate and needs to be corrected. My mortgage is not deferred. I am current and not deferred on my mortgage. Please remove the deferred comment and correct my balance owed. Also, remove the comment of reaffirmation of debt. I am not in bankruptcy court. This is my 5th request. 
XXXX. XXXX XXXX XXXX XXXX This account was paid for in full and as agreed in XXXX. You are still reporting a balance owed and that I am making late payments on this closed and paid in full account. This is my 5th request in writing and online to correct this account. 
XXXX. XXXX XXXX XXXX Reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my 6th request in mail and in writing. 
XXXX. XXXX XXXX XXXX  Reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my 6th request in mail and in writing. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account has been paid for in full. You are reporting it as an open account. It is not a charge off or in bad debt collections. This is my 6th request in mail and in writing to correct this account and you are still not reporting it correctly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit repori. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX 2 accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN 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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : Re : Equifax Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . Equifax is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Product: Debt collection

This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding unauthorized credit inquiries on my credit report that occurred due to identity theft. The disputed inquiries are as follows : XXXX. XXXX XXXX - XXXX dated XX/XX/year> XXXX. XXXX - XXXX dated XX/XX/year> XXXX. XXXX XXXX  - XXXX dated XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to remove inaccurate or fraudulent information within five business days of receiving supporting. 
documentation. I have attached a copy of my police report, proof of identity, and proof of address to verify my claim.