23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fortiva opened up a credit card in my name illegally. They signed my name on the account. I never authorized them to open a account in my name. Fortiva has now ruined my credit to XXXX XXXX score. They keeping telling XXXX that i am late in payments, when i do not owe them anything. I do not even know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, XXXX XXXX XXXXXXXX states that my DATE OF LAST PAYMENT was XX/XX/XXXX. 

According to Equifax, XXXX XXXXXXXX XXXX states that my DELINQUENCY DATE was XXXX XXXX, XXXX. 

The discrepancy between these two dates determines when this negative credit report will be eliminated from my credit history in XXXX. 

I filed an Equifax dispute with XXXX XXXX XXXXXXXX over this issue. EQUIFAX CONFIRMATION/DISPUTE # XXXX. 
XXXX XXXX  XXXX replied that their DELINQUENCY DATE is not the same as the DATE OF LAST PAYMENT. They insisted that the start date for my seven years is their DELINQUENCY DATE, not the DATE OF LAST PAYMENT. 

I believe the DATE OF LAST PAYMENT and the DATE OF DELINQUENCY should be the same date. Otherwise, XXXX XXXX XXXX can arbitrarily assign any DATE OF DELINQUENCY they wish, and consequently elongate the 7 year period a consumer must wait for the negative report to be eliminated. This is exactly what XXXX XXXX XXXXXXXX is doing. How can the law allow XXXX XXXX XXXXXXXX to assign any DATE OF DELINQUENCY they like, at their whimsy, without restrictions or safeguards to protect the consumer?
Product: Student loan

I initiated a student loan refinance through Sofi in early XX/XX/XXXX and the loan was approved and finalized on XXXX XXXX. This was also to take over payment of a student loan that my mother had opened while I was attending school. I would be refinancing her loans to my name. She has been unable to make the payments on her loan so I have been paying them. I will refer to her XXXX account as my own since I have been making the payments. Sofi sent the payoff check in the amount of {$16000.00} to the wrong department at XXXX which I found out after waiting two weeks for my balance at XXXX to be paid off. After notifying Sofi, they found that the dept of education would need to issue a check from the US treasury and that it would take 4-6 weeks for that to occur. Because my old loan was never paid off, I was forced to make a payment to my old lender XXXX to stay current on that loan. However, with the 4-6 week lead time on the US treasury check and the reprocessing, I would end up needing to make another payment to my old lender XXXX as well as my first payment to Sofi in XXXX. I requested that Sofi move my first payment date out another month to accommodate their mistake, to which they denied. I tried working through the escalation team and was met with the same answer : they can not and will not move my due date. Not only was this not my fault, I currently have two student loans collecting interest, my original XXXX loan as well as my new Sofi loan ( which has been accruing interest since the check was cashed by the wrong department ). Currently I am waiting to hear back from Sofi when they receive the check back from the US treasury. In the meantime, I have my Sofi payment due on the XXXX and my XXXX payment due on the XXXX.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Debt collection

The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.
Product: Credit reporting or other personal consumer reports

These are inaccurate accts on my credit report Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and XXXX the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft. I have disputed this information with all XXXX credit bureaus partner companies. Below I have attached a copy of my identity theft report from the FTC. Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX 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> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.
Product: Credit reporting or other personal consumer reports

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXX XXXX  mortgage, account number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/year> Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My XXXX XXXX Payment history bank printout is attached.
Product: Payday loan, title loan, or personal loan

We have a XXXX  XXXX XXXX XXXX that's now paid off but Hyundai finance are dragging their feets to process the title and send it to us. We need to sale the car now but we can't without title.
Product: Debt collection

I had a Visa credit card ( cash rewards ) with Bank of America, since XXXX. In XX/XX/XXXX, I moved back to XXXX, and stopped using the card. 

I also had a checking account with Bank of America. 

I have complaints about both accounts. 

My complaint about the credit card account : In XXXX, I found there were about 6 or 7 fraudulent charges from XXXX on my credit card. I called Bank of America, reported this, and ask them to reverse the fraudulent charges. I asked for their mailing address, so that I could put my requests in writing, and was told that calling over the phone was the only way to solve the problems. 

Because I lived in XXXX, I had to call them in the middle of the night. When I did so, I had listen to their music for 35 to 40 minutes each time, on an international call. I called them four or five times over a few weeks, and finally Bank of America told me they had reversed all the fraudulent charges. I subsequently found that they had only reversed one of the charges. I then telephoned them again ( which again required several calls ), and told them to reverse the rest of the fraudulent charges. I also told them to close my account immediately. Unfortunately, these telephone calls did not produce the desired results. 

After a few months of calling Bank of America, I found that I could not log into my account anymore. Assuming they did their job properly, I did not owe them any money, so I gave up calling them ( by this stage they had used a lot of my time and sleep ). 

In XXXX of this year, I returned to the USA, and discovered that Bank of America claims that I owe them {$72.00}. I then telephoned Bank of America several times ( now a local call ), but despite my best efforts : they could not explain the reasons for closing my checking account without refunding my balance [ see checking account complaint below ] ; they would not reverse the fraudulent charges ; they could not provide any evidence to support their actions ; they refused to provide a person or address to which I could direct written correspondence about the problems. 

I am also concerned that Bank of America has wrongly damaged my credit reputation. 

My complaint about the checking account : I also had a checking account with Bank of America, since XXXX. When I had the problem with my credit card, my checking account had a balance of a few hundred dollars. During my phone conversations with Bank of America, I asked them to close my checking account, and send me a check for the balance. Bank of America closed my account, but did not send the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX  # XXXX Account : XXXX & XXXX XXXX # XXXX Account XXXX XXXX XXXX, XXXX # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My fianc and I financed a car thru at called XXXX in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, XXXX, and Transunion, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and XXXX XXXX.
Product: Credit reporting

THERE IS SO MUCH OLD INFORMATION ON MY REPORT. THERE ARE CREDIT CARD BALANCES THAT SHOW A BALANCE OF {$80000.00} THAT SHOULD BE {$5000.00}. THERE ARE ACCOUNTS AND MORTGAGES THAT HAVE BEEN CLOSED FOR YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/2024 I was sent a text and emails saying to call Chase Bank because my accounts were at risk of closing. I called and was told my account is restricted and they made the decision to close my account ( with all my money in it ). They took the money. I had a direct deposit go in to my account ending in XXXX. And they are holding the direct deposit. I am a single mother with that being my only income to support my child. I need these funds released to me immediately. I tried going down to a branch. Tried calling multiple times. No one will help me.
Product: Credit reporting or other personal consumer reports

Tranunion an allowing this company to ruin my credit report. I sent them receipts and everything that I paid this off and I have a XXXX balance they will not, and they will refuse to update my balance. XXXX refuses to update my balance delete this off of my credit report. If you can not do, so this company has closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a old auto loan through XXXX XXXX XXXX. the amount showing was {$160.00} unpaid and on my report as charged off, the amount is incorrect and I have had many issues with this bank, but in the end to get this removed I paid in full. I disputed the loan on all 3 credit reports and were removed by 2. Equifax had updated the account to first delinquency of XX/XX/XXXX and I had asked to remove it as its been past 7 years. the account stayed on my report and then later updated again to XX/XX/XXXX delinquency date. I had disputed this a second time and the results were loan removed off my report as of XX/XX/XXXX ... this account again was put back on my report and showing XX/XX/XXXX delinquency so I wrote certified mail my dispute and the result was " this account isn't reporting on your report ''. today I see on my credit report its on there with the same information XX/XX/XXXX delinquency and I called and they say the same thing over and over and ask if I want to disputed the account ( I have already done so 3 times ) im angry and this is being handled terribly and is effecting my ability to obtain credit im beyond frustrated and exhausted I need help
Product: Checking or savings account

I have tried contacting the company to enable some of the features on my account and/or to close my account. I get put on hold and never got to a resolution.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3 LATE PAYMENTS. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

First of all, I have requested my account be closed several times and it is not reflecting. Second of all the amount they say I owe is incorrect.