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

On XX/XX/2020, I contacted Franklin Collection Services to come up with a mutually beneficial solution to my debt in the amount of {$720.00}. After explaining that I am in possession of a letter stating that another debtee had their debt deleted from the credit bureaus, I was told that that letter was not from FCS, because they did not delete anything from credit reports. I called again the following Wednesday to try to come up with an agreement again. After speaking with them, they told me that they were only collecting a debt FOR XXXX XXXX XXXX, that they had not purchased the debt, and that XXXX XXXX XXXX would not approve a deletion. I then called XXXX XXXX XXXX, who informed me that the debt was no longer in their system, indicating that it HAD been sold to FCS. XXXX XXXX XXXX explained that they were not in any way preventing an account deletion from a credit report. I called FCS back, and was told they could delete my account from the credit report. I said I would pay 50 % of the debt, ONLY if they agreed to delete the account from my credit report. Two days later, I emailed them with the letter of deletion from a different account as a reference, and FCS responded with stating that it was not an XXXX XXXX XXXX deletion letter and they only did deletions for medical debt, therefore they would not delete my account from the credit report. I have since received two letters from them stating that I have failed to pay a payment agreement for the full amount of the debt. I NEVER agreed to pay the full amount, and, in fact, never authorized a payment or agreed to make a payment without the assurance that my account would be deleted from my credit report. I am being blatantly discriminated against and treated differently than other debtees. They have given me a runaround, after spending an inordinate amount of time trying to come up with a mutually beneficial solution, only to be fed conflicting resolutions, and then be told that I made an agreement to pay the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through  XXXX   XXXX . The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through   XXXX   to have it removed but they did not remove it.
Product: Debt collection

Today XX/XX/2020, I received a debit collection letter in the amount of {$35000.00} for an organization ( XXXX XXXX  XXXX ) that I have never had a loan with.
Product: Credit reporting or other personal consumer reports

took a look at my credit file XX/XX/XXXX, noticed things that were incorrect & not accurate I sent letters to XXXX credit breaus on XX/XX/XXXX & asked them to investigate the completeness & accuracy .There breaking the law 15 USC 1681e ( b ) ACCORDING TO 15 USC 1681 ( 5 ) IT STATES THE ( 5 ) treatment of in inaccurate or unverified information ( A ) in general if after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete
Product: Debt collection

XXXX regarding this complaint. My initial complaint was because I recently received a letter from XXXX XXXX XXXX XXXXXXXX stating that I had a default judgement and should provide bank statements. The paperwork did not show dates or specific information. After opening a complaint through this platform and after various requests I received some of the information requested except the bill of sale from this 3rd party debt collector and my signature on any paperwork delivered.I also received a copy of a written paper stating they had served a XXXX woman XXXX XXXX XXXX XXXX. I've not been that XXXX ever in my adult life. I was close to XXXX for years until recently when I started visiting the Drs office and have XXXX XXXX about XXXX XXXX.Paper also states I had XXXX XXXX .I 've always XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after covid due to everything being closed in XXXX. Please provide me with any paperwork sent to me that shows my signature. Any follow-up mail sent to me that required my signature. I would also like this issue resolved in an amicable way as this situation has disturbed my peace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$380.00} XXXX XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX XXXX Opened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$750.00} XXXX XXXX XXXX Opened XXXX {$840.00} 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: Checking or savings account

I opened my Suncoast Credit Union Account on XX/XX/2023 from a friend referral online. I subsequently referred out several other members to apply for based on a promotion available to SunCoast Credit Union members. At the end of XX/XX/2023 I notices I was not able to access my online account. Since that time, I have contact Suncoast Credit Union XX/XX/2023, XX/XX/2023, and XX/XX/2023 and been told each time my account is currently under review and due to not being a resident of Florida I do not appear to be eligible to an account with SunCoast Credit Union. I am seeking resolution on having access to my account or funds returned and account closed. It seems illegal to hold account funds for a consumer that is not eligible. Either way, 45 days is an unacceptable amount of time to not have status to my account or access. I am seeking resolution of my account review by Suncoast Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, XXXX, Equifax with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example equifax has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX Equifax is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and Equifax removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.
Product: Debt collection

I paid this account in full with XXXX XXXX in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with LVNV funding. I have tried numerous times to have this rectified by
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to update immediately : XXXX XXXX XXXX : {$260000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

XXXX XXXX  is allowing charges to go through and charging a over draft return check fee fee knowing the money was not in account. causing me lots of trouble
Product: Credit card

Chase Bank Closed my Account due to race days after I filed a complaint about low approvals and limited benefits to XXXX XXXX  customers violating the equal credit opportunity act, while a protected class of people enjoy the fruits of their heritage those are non XXXX and XXXX customers that get outstanding approvals with little to no credit compared to other races, I will post this bad behavior on XXXX XXXX for customers to see how bad this bank is treating minorities.
Product: Credit reporting or other personal consumer reports

I submitted multiple complaint through the CFPB and through the mail, in order for the company to remove information negatively affecting my credit report and my ability to provide fore my basic needs, like affording housing or food, transportation and clothing. Aside from Actual damages and pain and suffering, these companies owe me {$1000.00} per violation according to the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Product: Payday loan, title loan, or personal loan

They charge more than Colorado allowed fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX XXXX XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Product: Bank account or service

I have been a Bank of America customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX BOA said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like BOA continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. BOA refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with BOA by calling their customer services but they insisisted the charges are valid. How can that be?
Product: Mortgage

Shellpoint Servicing has been informed that they are publishing a Time Barred Debt that is no longer enforceable under the Applicable State laws. They are also making claims to be acting on an Investor named XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. That this firm : Shellpoint Servicing was informed several times over to stop publishing a Debt to the Public that is not valid not true. They are attempting to foreclose on a debt that has an expired SOL and a non enforceable and Stale Debt as well as the underlying debt/and Deed to be outside of the timelines of collections. This false claim is being published on XXXX each month and shows to publish a debt claimed as owed of XXXX XXXX. Please cease this publishing of this debt. Under CA : XXXX ; along with the underlying XXXX being expired : and under XXXX this expired at SIX YEARS. See attached Letter of Explanation. Each attempt to explain is answered in stating they somehow are not understanding what is being said. See exhibits that include the answer by Shellpoint. THE NOTE WAS ACCELERATED BY XXXX ( SEE ATTACHED ACCELERATED LETTER ) CALLING DUE THIS NOTE : AS OF XXXX/XXXX/XXXX. Then after SIX YEARS an untimely claim to a debt : then claiming XXXX Due : however this was filed inaccurately and filed after the expiration of the stale debt by recording a Notice of Default on XXXX XXXX '. This NOD was disputed at the time, however new events of abusive servicing occurred, including stepped up ramped up illegal actions. The topic of this complaint is to state this is a time barred debt as of XXXX XXXX ' AND THAT THE LATER XXXX XXXX ' FILING OF A NOTICE OF DEFAULT WAS TOO LATE TO CLAIM ENFORCEMENT RIGHTS OF AN EXPIRED DEBT. Later in a BK filed in XXXX XXXX XXXX ' it was discharged debt in the bankruptcy. However under XXXX and the marketable records act : this together with XXXX this is not enforceable under the claims being made by the parties named : Shellpoint Servicing : XXXX AS trustee for XXXX XXXX XXXX XXXX : & or XXXX having no right to publish this DEBT as being owed. This is causing to tarnish my reputation in my business, and effect my income. This is slander. Please stop all further illegal collection acts. Remove this Sale Date that was caused by this defective claimed Notice of Default and stop making false claims and release this lien.
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus update my personal address to my current and correct residence of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, where I have lived for over three years. I provided supporting documentation, including a recent utility bill and a copy of my driver 's license, as proof of residency. 

Despite my request and the provision of sufficient documentation, the credit bureaus have failed to update my address and remove all other addresses from my credit profile. This inaction is causing me significant inconvenience and may negatively affect my credit standing and ability to conduct financial transactions.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to request and expect that the information maintained in my credit report is accurate, complete, and verifiable. The bureaus ' failure to update my personal address may constitute a violation of this law, as they are not ensuring the accuracy of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax has not been able to be pulled by lenders or myself within the last 90 days. Its as if I do not have a Equifax credit score. This is preventing me to refinance my cars, obtain a HELOC loan, and not obtain business funding.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] Equifax : [ XXXX XXXX ] [ XXXX XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ]
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. I did not authorize those inquiries. I went for information and those inquiries were made to me without my authorization on XXXX by the people at XXXX XXXX. 
Therefore, I request the elimination of these queries since they were not authorized by me and I am being affected by them. Describing them below : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not give my authorization for them to do the inquiries, they asked for all my information to be able to show me a car, and I never asked for a quote or anything. I went days after this happened and the finance manager in XXXX gave me a handwritten letter saying that those inquiries should please be deleted, but that they couldn't delete them. I called the XXXX  and they told me that you could help me with a claim that I must attach to them along with a letter so that they can eliminate it.
Product: Credit reporting or other personal consumer reports

This is in regards to XXXX who has now taken over this from XXXX. This case was dismissed in favor of me, the Defendant, against the Plaintiff, XXXX. This complaint has been ongoing since XXXX. Both companies, XXXX and XXXX have blatantly rebuked a Court Order which, I have provided as proof. They keep reporting to all three credit reporting agencies that this account is mine and refused to remove from the credit agencies. They do not need any more time to investigate as there is nothing to investigate. The Courts ruling says it all. If this is not removed in 10 days I will be filing suit against both companies and seeking damages.
Product: Debt collection

They have repeatedly called family and family friends reporting my debt to them in an attempt to reach me AFTER they have already talked to me personally on the phone in which I told them I will be handling the debt directly and not through any third parties. After telling them that, I asked them to stop contacting me and my family/friends exposing my debt and they have now been calling still for months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Still on my credit report and this account was settled by court and I send the documentation a few times. I want this account deleted from my credit report.
Product: Debt collection

Dont know theses people and I dont owe the amount they are wanting, Im pretty sure this is a scam! I never signed up for anything at all.
Product: Debt collection

JH PORTFOLIO DEBT EQUITI Account number XXXX .... 
Recent balance {$1700.00} as of XX/XX/2019- this is not my debt. XXXX XXXX stated they do not have any past due account in my name. This collection company is reporting erroneous collection on my credit and is aggressively attempting to collect debt for the creditor-XXXX XXXX whom I don't owe anything ... this is violation of f.c.r.a. and violation of fair collection practices act
Product: Credit reporting or other personal consumer reports

I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX - XX/XX/2021 These inquiries listed above were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet XXXX reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.