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

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXXXXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX requested authorizations ; verified by additionally attached CFPB XXXX XXXX XXXX SUMMARY Complaints and Responses. The XX/XX/XXXX attachment authorizes the XXXX XXXX XXXX. The XXXX XXXX XXXX is required by law to contact XXXX XXXX by emailing XXXX the following : 1. Date, time and address of the alleged debt transaction ( s ) 2. Copy of written ( contractual ) authorization of the debt transaction ( s ) 3. All billing ( s ) to health insurer XXXX 4. All XXXX payment denial ( s ) of all billings 5. Copies of all prior billings, disclosing date and method of billing ( s ) delivery to XXXX XXXX and XXXX XXXX 6. All medical records related to these transaction ( s ) 7. Name and address of all prior collectors that have been used to attempt in collecting the alleged debt ( s ). 

XXXX XXXX has never been emailed, XXXX as XX/XX/XXXX authorized. 

In response to the XX/XX/XXXX authorization XXXX XXXX XXXX in haste harmed XXXX XXXX by intentionally decreasing attached ( XX/XX/XXXX XXXX credit score ) credit score XXXX ; knowingly increasing borrowing cost. XXXX XXXX XXXX is expected to immediately confirm to CFPB and by emailing XXXX that it has notified TRANSUNION of the inaccurately of its adverse information ( attached : TRANSUNION XX/XX/XXXX credit report XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX is requested to email XXXX if XXXX and XXXX have been advised of fact in the attached TRANSUNION XX/XX/XXXX credit report XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made no adverse/negative XXXX XXXX XXXX XXXX XXXX and/or XXXX. 

XXXX XXXX XXXX is requested to XXXX email communicate if it has made any adverse/negative XXXX XXXX XXXX XXXX TransUnion, XXXX and/or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an old account appearing on my credit file with XXXX from XX/XX/2013 and now this account appears as a new account with some company named XXXX showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

The following message/alert from Citi Cards has been showing on my online account homepage for several weeks : " We have reissued a new Citi ( R ) XXXX ( R ) with the same account number as your current card. A new card is being mailed and should arrive soon. This replacement card may have been requested by an authorized user ( s ) on the account or is a new card being issued to you by Citi. '' An authorized user did not make a request, so I knew the card was being issued to me by Citi. I did not now what for, but I assumed it was to replace my current card with an expiration of XXXX XXXX, 2015. Today, XXXX XXXX, 2015, I utilized online chat with customer service to find out where the card was and was told the card was issued on XXXX XXXX, 2015 and should have been mailed 7-10 days prior to this date. I was even more confused so I called ( by telephone ) Citi customer service to find out exactly when the reissued card was mailed. It worried me very much that the card had been lost or stolen if in fact it was mailed months ago. The representative told me the card was n't even mailed yet and since my card expiration date was n't even until the end of XXXX, that it would not be mailed for several more weeks ... which I was expecting anyhow since again my card was n't even near expiration. Citi needs to fix this apparent technical glitch that shows the " mailing message/alert '' online so it does not cause worry for customers wondering where their new/reissued cards are located.
Product: Credit reporting or other personal consumer reports

Experian has closed another XXXX complaints today without addressing the issue instead they give explanations that are completely absorbed and has absolutely nothing to do with the problem which is they NOW HAVE STOLE 18 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX* Balance Owed : $ XXXX Delinquencies reported after the account was closed. This is a violation please delete. 

Chapter XXXX Bankruptcy Discharged XXXX You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my Experian credit report the names are XXXX. XXXXd XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.
Product: Mortgage

My mortgage got bought out by Freedom Mortgage Company in XX/XX/XXXX. I called in to make the first payment. Set up the online payment option. Tried to make the payment for XX/XX/XXXX on time and the system didn't take the payment. I had to call in to make the payment in XXXX. I was laid off the first week of XXXX XXXX.I also got XXXX XXXX the first week of XX/XX/XXXX. I tried to make the payment in XXXX and they didn't process the payment. Seeing how I was dealing with XXXX and behind on money I applied for Covid forbearance. I tried to make my payment in XXXX and they didn't process my payment. My brother in law tried to help us get caught up and went to make a {$1000.00} payment on our behalf on XX/XX/XXXX with the mortgage statement I gave him to call up with. They didn't apply the payment. I have been unemployed since XXXX. I tried to call in the beginning of XXXX to make the XXXX payment and see what I can do with the past payments and they told me the whole past due must be paid or I must refinance. I told them it wasn't fault, that I tried to make the payments in XXXX and XXXX and they wouldn't take my payment. They told me it was me or my bank, that it wasn't their fault. I went to my bank and they showed there was never a returned payment or insufficient funds in XXXX or XXXX. There was no proof that Freedom Morgage tried to attain the funds. I never missed a payment in over 7 years living in our home until they bought the mortgage.
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Debt collection

A debt collection was reported on my credit report from Credit Collection Services for {$800.00} for a XXXX bill that I did not have any knowledge of .This account was fraudulently opened using my information. I haven't used comcast in many many years and have had XXXX. I have spoken to people at this company about this and I thought this was rectified but here we are.I filed an identity theft report months ago and reached out to the federal trade commission. Im going to have to get my lawyer involved if this is not taken cate of immediately this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy XX/XX/XXXX. I am on the mortgage with movement mortgage for XXXX XXXX XXXX, XXXX, NC. I never reinstated. I am not responsible for this mortgage. I was a second co-signer for the mortgage with XXXX XXXX XXXX XXXX XXXX I signed a quit claim deed absolving my rights to the property in XXXX XXXX never received a copy. she won't refinance due to beligerance. I haven't lived at that property since XX/XX/XXXX. I currently rent in a XXXX XXXX. I filed bankruptcy to get off the mortgage. it helped with one credit bureau but not the others.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I fell off a XXXX  XXXX ft in the air and went to the hospital. I understand there is money owed but they have 7 derogatory hits on my credit report instead of one for the incident. I would like them to combine all of them or take them off
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my third dispute filed with consumer finance regarding thisI filed a dispute with Equifax, XXXX, XXXX, regarding a BANKRUPTCY that is populating on my credit report thats is not correct and is wrong. They keep saying they have verified the information and they have not because when I call the bankruptcy court of XXXX they say the do not submit or verify information to credit bureaus. They refuse to remove the information. I have disputed this over 10 times I have even hired 2 different people to help dispute this and provided documents and they still refuse to remove it. The response XXXX keeps saying is they cant verify my information however I have sent the requested documents paystubs, bill, social. They are sending this automated response to not have to work on my case.
Product: Debt collection

I have reported to all XXXX credit bureaus and companies that this was false and inaccurate information reported on my report also identified as identity theft for both companies listed receivable performance with balance of {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX XXXX account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 1st progress # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXr # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates.

without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I did not authorize these on my credit report please remove them from my credit immediately. 

STELLANTIS - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX BankAttn : Credit Reporting Disputes [ XXXX XXXX Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute & Demand for Correction Account # XXXX Dear XXXX  XXXX Disputes Department, I am writing to formally dispute the inaccurate and misleading reporting of my account # XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 and Consumer Financial Protection Bureau ( CFPB ) UDAAP regulations, you are required to report only accurate, verifiable, and non-misleading information. However, your current reporting of this account contains multiple violations that require immediate correction or removal.

1. Inaccurate & Misleading Reporting This account was settled for less than the full balance, yet it is still reported as : " Collection/Charge-Off '' with " Unpaid balance reported as a loss '' This is false, as the account was legally settled.

Conflicting remarks : " Account legally paid in full for less than the full balance '' vs. " Unpaid balance reported as a loss '' This is contradictory and misleads lenders.

Account Status Not Updated : The FCRA requires creditors to update an account accurately after settlement, yet you continue reporting it as derogatory.

2. Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) - Failure to Update Paid Accounts Under federal law, settled accounts must be reported as Paid in Full or Settled, not Charge-Off or Unpaid. By failing to update my account correctly, XXXX XXXX is violating the Fair Credit Reporting Act and engaging in unfair credit reporting practices. 

XXXX. Violation of FCRA 1681i - Failure to Verify Disputed Information My credit report shows that this account was previously disputed, yet it remains incorrectly reported. If you can not verify the accuracy of the reported details, the FCRA requires deletion of the account from my report.

4. Violation of CFPB UDAAP Rule - Unfair Credit Reporting By continuing to report a settled account as negative, you are unfairly damaging my credit score, misleading lenders, and engaging in unfair and deceptive acts ( UDAAP ) under CFPB regulations.

Demand for Immediate Resolution Given these violations, I formally request that you immediately correct or remove this account from my credit report. You must : Update the account to reflect Settled in Full or Paid as Agreed.

Remove all misleading remarks, including " Charge-Off '' and " Unpaid Balance Reported as a Loss. '' If you can not verify the accuracy of this account under FCRA 1681i, you must delete it.

Provide written confirmation of this correction within 30 days.

Next Steps If you fail to comply within 30 days, I will : File a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX  Report XXXX XXXX to the Better XXXX XXXX XXXX XXXX XXXX  for unfair credit practices. Consider legal action for FCRA violations, seeking damages for incorrect reporting. 

I expect a timely resolution and a response confirming correction. Please send written confirmation to the address provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX  at XXXX on XX/XX/XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from BOA in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.
Product: Mortgage

I received a property tax exemption from XXXX in 2021. I faxed in the paperwork to Shellpoint Mortgage back in XX/XX/2021. I was told it would take 7 days to do an escrow analysis to adjust the payment. I have contacted Shellpoint Mortgage several times to resolve this issue and I`m still haven`t received the adjustment to my property taxes and mortgage payment.
Product: Checking or savings account

On XX/XX/year> my Fiancee went into Washington Trust Bank where we have a joint account and withdrew {$820.00} from our Checking Account and then purchased a Cashier 's Check in the amount of {$820.00} to pay our rent. We checked our online banking on XX/XX/year> and it showed this transaction cleared. We continued to watch our account to assure all of our bills cleared, our Checking Account Balance was {$1.00} on XX/XX/year> but then on XX/XX/year> when checking our online banking my Fiancee saw that our account was overdrawn {$820.00} and that there was a withdrawal from our account that WE KNEW NOTHING ABOUT, WE DIDN'T AUTHORIZE IT AND/OR WE WERE NEVER NOTIFIED OF SAME. We both walked into the bank and spoke with the Manager asking her who made this withdrawal. We we're advised that the " banks system glitched and read the wrong account number and the {$820.00} withdrawal that we made was taken from the wrong account therefore, they ( Washington Trust Bank ) made a ( Unauthorized Withdrawal ) from our Checking Account in the amount of {$820.00} to cover " their mistake ''. When we asked the Manager to show us how we owe this money and/or prove to us that this happened, we were told that ; that was not possible. PLEASE NOTE : The transaction that was made by my Fiancee on the 3rd showed that the transaction not only took place but also, cleared on our online banking app account but then when the bank made their withdrawal, the one we made disappeared. Also, the Bank NEVER NOTIFIED US BY MAIL, PHONE CALL, EMAIL OR ANY OTHER WAY THAT THIS MISTAKE HAPPENED AND/OR EXPLAINING WHAT AND HOW IT HAPPENED. THEREFORE, THIS IS WHAT I WOULD CONSIDER A TYPE OF FRAUD AND/OR FRAUDULENT ACTIVITY ON WASHINGTON TRUST BANKS BEHALF!! AND MOST OF ALL, HOW DO WE KNOW THAT THE BANK IS TELLING THE TRUTH AND/OR HOW WE ACTUALLY OWE THIS MONEY?