23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX / XXXX / {$230.00}
Product: Payday loan

Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam. 
XXXX phone # : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 : Experian : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government-issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 
You may also submit your request and any documents or information you wish to provide to us at www.experian.com/upload. 
If you are purchasing your credit report, enclose your check or money order for {$12.00} plus any applicable tax. 
If you wish to purchase your XXXX ( R ) report provided by Experian, enclose your check or money order for {$7.00} plus any applicable tax. XXXX is owned by XXXX. 

Mail this form, along with payment ( if applicable ) to : Experian XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. 
[ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX, FL XXXX Social Security number : Date of birth : XXXX Report number : I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 
[ ] Free annual credit report. 
[ ] Free credit report based on my state 's law. 
[ ] To purchase my credit report. 
[ ] To obtain my free report with my promotional code : ( enter code ). 
[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following public record Transunion has REINSERTED on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), when an item is disputed and removed, the Credit Reporting Agency has FIVE business days to notify me of the reinsertion in writing. These accounts were disputed directly with Transunion on XX/XX/XXXX deleted on XX/XX/XXXX and reinserted sometime XX/XX/XXXX- XX/XX/XXXX.

To date, I have not received correspondence in writing  from Transunion indicating that the below listed accounts were reinserted on my credit report. Therefore, I am requesting these items be permanently deleted. Enclosed are copies of my drivers license, social security card, credit report with the items circled. Please investigate this matter and delete the disputed A copy of this complaint has also been sent to Transunion via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On Equifax it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Product: Credit card or prepaid card

I reserve ticket from capital one Travel department my confirmation no from capital one is XXXX XXXX I am traveling XXXX XXXX from XXXX XXXX XXXX and coming back on XX/XX/XXXX XXXX on my ticket typo mistake was done from either me travels department on my last name is missing LETTER XXXX my last name XXXX and by mistake appear on ticket XXXX XXXX letter missing try to get correct from capital on but un successful call them at least 10 times in one week they said they can not do it only XXXX XXXX can do it but XXXX XXXX said XXXX have to buy another ticket from airline and pay extra {$50.00} just for for put one letter on ticket cost me full regular price and extra {$50.00} total came out around {$550.00} I would like to capital one to do it from them without putting any penalties
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, TransUnion, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. TransUnion and XXXX have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

The dispute involved XXXX ( charge under INT'L escrow ). Executed charge on same day with 2 different Chase cards ( XXXX and United Airlines ). Executed dispute notice on same day ( end of XXXX ). Sent both disputes the same info. After a few times going back and forth, finally on XX/XX/XXXX both credit cards reached a decision. XXXX said I did NOT have to pay, but United said I had to pay. After reopening United continued that I had to pay. Finally I sent copies of the 2 letters to United and their final response was that it is to late to do anything. I have come to the understanding that the same Chase dispute center handles ALL disputes. My question is : how can the same dispute, with the same info, etc. lead to opposite results?
Product: Credit reporting or other personal consumer reports

On multiple occasions, I have submitted all the required documentation to Equifax to unblock my credit file so I can access my credit report. This includes certified mail submissions of my proof of address, drivers license, and Social Security card. Despite these efforts, Equifax continues to claim they have not received my information, preventing me from accessing my own credit file. 

The issue began XX/XX/year>, and since then, I have taken the following actions : 1. Mailed my documents via certified mail several times to ensure delivery.

2. Retained proof of delivery, including certified mail receipts.

3. Followed up to confirm receipt and resolution, but received responses stating that my documents were not received. 

As a result of Equifaxs failure to unblock my file, third-party services like XXXX, XXXX XXXX XXXX and XXXX XXXX are unable to pull my credit reports, further hindering my ability to monitor my credit. 

I am requesting immediate action to unblock my credit file so I can access my credit report, as is my legal right under the Fair Credit Reporting Act ( FCRA ). I expect this matter to be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling 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 yoy to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I filed a dispute with Capital One for a charge with a moving truck company.. They issued a temporary credit on my card however that credit was not able to be used ... a couple weeks later the credit showed up on my card and I was able to use it for purchases.. I assumed the dispute had been settled..after using the credit it was then taken back about 5 days later and the balance of the card went over the limit.. ( as a side note the dispute was not investigated by Capital One.. all they did was provide a receipt from the moving truck company ) ... I was paying down the debt on the card and paying significantly more than minimum payments.. the charge for the interest for the past three payments was about {$14.00} per month this month it almost doubled to XXXX when I called and asked about this their explanation was the interest rate was due to the over limit on the card that was used 3 months previous.. the temporary credit to my card should have never been issued as the dispute was not settled.. This sounds like fraud to me.. I'm paying down the debt every month and the interest rate now is gone up almost doubled..
Product: Credit reporting or other personal consumer reports

PRESTIGE FINANCIAL, XXXX XXXX XXXX and XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

PRESTIGE FINANCIAL XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get calls on my cell phone before XXXX XXXX  on weekends. I also get calls throughout the day at my place of work, XXXX
Product: Credit reporting or other personal consumer reports

Equifax Data breach I asked them to remove items that did not belong to me that are still on my credit report and its affecting me getting approved for a car or credit card.
Product: Debt collection

Portfolio Recovery at XXXX called my DAUGHTER on XX/XX/20 at XXXX XXXX  on her cell phone regarding a six-year-old debit in my name. I disputed this charge years ago and contacted the company that time. I do not want to contact the company again upon advice from attorney who advised that by my calling the company to dispute the item, it will start the official time period that Portfolio Recovery can use to harass me. Several years ago, Portfolio Recovery called my neighbor and asked the neighbor to deliver a message to me. This company routinely violates the debt collection laws.
Product: Mortgage

As of XXXX XXXX Nationstar stated to my lawyer, XXXX XXXX, that I have not paid any mortgage payments since XXXX XXXX. Meaning they think I am delinquent for about {$5500.00} ( estimated ) to my mortgage. They filed a motion with the bankruptcy court on XXXX XXXX, XXXX to be relieved from the motion to stay to foreclose on my house. They have tried to do this before in XXXX and due to lack of proof on their end and substantial proof of payments on my end the case was dismissed. Once again I am in the same situation of having substantial proof of payments on my end and they have nothing to support their claims on their end. However, having to go through the hassle time and time again plus the added problems of them not letting me see how they are applying my payments or showing me anything regarding my mortgage. I have sent several requests to Nationstar 's Bankruptcy Lawyer via a certified RESPA Qualified Written Request, Complaint, and Dispute of Debt and Validation of Debt Letter to request that Nationstar give me copies of my mortgage and see how they are handling it, but time and time again they just deny me and send incomplete paperwork. I am beyond frustrated at this point and now I suspect they have done some illegal things with my mortgage if they refuse to give me access. It must mean they have something to hide. Here is my proof of payments through XXXX up to date and, once again, this is complete mortgage fraud.
Product: Credit reporting or other personal consumer reports

I paid off a loan from Happy Money on XXXX XXXX XXXX I have receipts and now XXXX XXXX and XXXX XXXX still say my loan is still active and I havent paid it. Ive been denied additional financial assistance because a creditor report shows that its delinquent in XXXX XXXX and experience and need wallet and XXXX XXXX. Ive disputed this on email and ohone and now and keep getting noticed that I still have an account balance. it says that my information is inaccurate. I have receipts showing that I paid off {$23000.00} to happy money and its still showing up after my disputes. The account is now showing delinquent and its now lowered my score. Its been 2 months.
Product: Credit reporting or other personal consumer reports

Apple Card is reporting information all of my credit files that is inaccurate. Per 15 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with Apple Card is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/2019 as the date the account was opened. XXXX is showing that my account was opened on XX/XX/2019 and XXXX is showing that my account was opened on XX/XX/2019. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. 

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Chase bank received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. 

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim. 


Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.
Product: Money transfer, virtual currency, or money service

I sent a remittance on the wise website. I made a mistake when filling in the beneficiarys account number. The beneficiarys account number is XXXX. This remittance has been completed. I hope the receiving bank can return the money. Thank you very much. 

Amount : U.S. Dollar amount Recipient Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Number : XXXX For the Benefit of ( XXXX ) : XXXX XXXX XXXX XXXX Bank Account Number XXXX
Product: Mortgage

loan XXXX  fha XXXX XXXX XXXX I paid trial payments of total {$7500.00} when Ocwen presented the permanent loan mod the terms were too high to and including the interest rate, total payment there's nothing in the trial payments that say Ocwen can keep my trial payments the loan is now transferred to XXXX XXXX wherein I will need to start a new loan mod request which will require a new trial payments
Product: Credit reporting or other personal consumer reports

XXXX CONTINUES TO NOT BLOCK FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT AS A RESULT TO IDENTITY THEFT