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

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. 

Can you please investigate my consumer report and ensure that everything is 100 % accurate? I have a list of accounts below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 115 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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 for any purpose Respectively, can you please provide /send a copy of my investigation? 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have sent a 609 letter a few weeks ago out to XXXX, XXXX, and XXXX. 
These credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I just received a notice from Kohls and Capital One that the rates are going to 30.24 %! This is similar to my other cards, but not as high. However, even my good credit card from my credit union is over 10 %. 

At what point is it predatory lending? This is the interest rates we need to fight right now.
Product: Debt collection

American Accounts and Advisors are reporting the same debt from the same medical creditor for the same date of service seven times under different amounts. The collection agency via a phone call admitted to knowing the date of delinquency was 6 years prior however they are reporting the debt as new from the date they bought the debt which was years later. I tried to resolve this with the agency who in the same phone call admitted they know the 21 collection accounts ( some as little as XXXX cents they reported ) are from one date of service with the creditor and that the date of service is 6 years old, they admitted that they report the debt monthly, and that they know the creditor creates new " accounts '' under the patients name per line item on the medical bill when they send the patient to collections for one medical date of service. Despite knowing this the collection agency representative tells me that they are compelled to report this as multiple debts because thats how it was reported to them, this violates the reasonable person standard for reporting. As any reasonable person would know that a patient is not seen 21 individual times on one date of service. This seems fraudulent to me both on the collection agency 's side AND the reporting medical creditor. Additionally, the Collection agency sent one notice informing me of one amount due for this creditor, again, this shows that the collection agency is aware that there is only one debt owed but is complicit in reporting it multiple times for maximum negative impact to my credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by XXXX, XXXX, and Equifax. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was XXXX on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ). 

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached. 

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts.

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses.

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

Palisades Collection LLC placed a wage garnishment with my employer. The debt is not mine as it originated in XXXX while I was in high school. They advised a judgment was entered in XXXX and I was served of this. Looking at the court documents I have no idea who signed to receive the documents, as I have never had a roommate. The person listed I have no idea who they are. I pulled the 54 pages of court documents and they are all over the place including filing in XXXX XXXX and XXXX XXXX. It is not on my credit report and the attorney stated : " consider yourself lucky it is not on your credit report ''. I spoke with an attorney who advised proper notice was not done and various other issues. I also shared with the creditor that when I received a letter in XXXX XXXX stating I owed them, I responded with a letter requesting proof. I sent via certified mail and confirmed with XXXX received, but they denied receiving it. I have tried to get them to remove and stop garnishment but the will not, so I am working with an attorney in the hopes of resolving. I researched the company and found the the Attorney General in New York XXXX https : XXXX ) obtain a settlement against the parent of XXXX which is XXXX XXXX, XXXX. I now have to try to hire an attorney to clear this up and stop from garnishment my check. I am a personnel XXXX for XXXX XXXX of XXXX and to have this occur is very embarrassing, to say the least. Thank you
Product: Credit reporting or other personal consumer reports

My credit report contains accounts I did not authorize, likely added through fraud or identity theft. Please block and delete these fraudulent listings.
Product: Student loan

I refinanced a student loan and TFC Credit Corporation has been pain in full by XXXX since XX/XX/22. It is now XX/XX/22, and the company has refused to return the overpayment in the amount of {$4800.00}. I have spoken with 4 different customer service agents at TFC, and each time they have given me a different reason as to why my check has not been sent out. I was initially advised that after the payment posted to my account, any overpayment would be mailed to me directly within XXXX days. XXXX, the customer service supervisor I spoke with on XX/XX/22 advised that I needed to request the money be returned to me otherwise the company retains overpayments. He then went on to say that I would need to wait another week for the XX/XX/22 check run. Today on XX/XX/22 I was advised by XXXX XXXX, a Director at TFC, that I would need to wait until the XX/XX/22 check run, because checks are only sent out once a month. Every time I have called this company, they give me a new reason for retaining the money. 

I am aware that companies float money for interest and this is exactly what is happening to me and many others scammed by TFC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax numerous of times to correct the available balance on my upgrade account and has sent proof to show them the correct available balance and they have yet to correct this matter, I will be reaching a higher chain of command I'd this issue is not fixed this time around. Attached is proof once again showing what my available credit or valance should reflect to be, they have me at a negative balance on my credit report for my updgradr account and that is inaccurate and is a violation, against the law. Update this immediately to reflect accurate information
Product: Debt collection

XXXX XXXX XXXX placed a collection on my credit reports for an amount that was already paid. They then placed it on my report through several collection agencies and it was removed EVERY time because I had to file a complaint through CFPB. It has recently been placed back on my credit reports under a different collection agency. I am requesting that action be taken immediately to remove the collection from all of my credit reports once again. I would also like action taken from the FTC, because that is where this complaint will be forwarded, to have XXXX XXXX XXXX fined or reprimanded in whatever way the FTC sees fit because I am beyond frustrated with this affecting my credit! Please have it removed immediately!
Product: Debt collection

This business is reporting on my XXXX credit report for a debt that is NOT mine! I have sent them validation letters and they continue to report. XXXX XXXX will NOT verify the debt and keeps using XXXX XXXX which is NOT a proper form of Verification. This debt is NOT mine and i wish to remove them off of my XXXX XXXX report, they will not respond to my validation 609 letters either! 
Name of business ACCT # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit card

I am filing a formal complaint against TD Bank for their mishandling of a dispute related to a charge on my account. This dispute involves a transaction dated XX/XX/, for an amount of {$760.00}, charged by XXXX XXXX XXXX for a vehicle repair service that was never completed. 

Initially, TD Bank issued a credit to my account while they investigated the charge. However, they failed to conduct a proper investigation and prematurely reversed the credit. Upon contacting TD Bank, they acknowledged their error in not investigating the claim and incorrectly closing it. They apologized and reopened the claim, reissuing the credit and promising to follow up with the necessary form for me to submit video evidence supporting my claim. Despite this assurance, the form was never sent, and I was later informed that it was not dispatched because the claim had been closed in my favor. 

Today, I discovered that TD Bank had once again reversed the charge, despite the investigation still being incomplete and without any communication or resolution of the issue. This series of mismanagements by TD Bank has caused significant financial and personal distress. 

I am seeking a resolution in the form of a credit for the disputed amount and appropriate action from TD Bank for their failure to handle this dispute correctly and in accordance with the rights and protections I am entitled to as a cardholder. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Charged-Off Accounts Dear Sir/Madam, I am writing to formally dispute the charged-off accounts listed on my credit report under the account numbers : XXXX XXXX XXXX XXXX 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 I recently reviewed my credit report and noticed that this account is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. 

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a bill from XXXX XXXX in the amount of {$60.00} that was promptly paid with a credit card on XX/XX/XXXX. 

After that I started receiving similar bills from the same company for the same amount on a monthly basis. When I called them, they said that I had no outstanding balance. 

On XX/XX/2019, I received the letter from a debt collector asking for the same amount.
Product: Student loan

My daughter applied for a parent plus loan for {$20000.00} back in the year XXXX  the loan has now ballooned to {$65000.00}. I paid so far {$11000.00} on this loan. 
I recently moved this loan to XXXX because I can not afford to pay {$480.00}. Please Advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non-Compliance of FRCA/GLBA On the evening of Tuesday, XX/XX/XXXX, I went to my local Grocery store, XXXX 's XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I purchased {$240.00} of various items. I mistakenly wrote the check for {$280.00} and before handing it to the cashier, noticed my mistake, and the cashier said no worries and he would return {$40.00} to to me in cash. 

Upon running the check, against XXXX 's check processor 's database, Certegy Payment Solutions LLC, XXXX XXXX XXXX, XXXX, FL XXXX, the {$280.00} was suggested by Certegy ( who guarantees the check amounts that XXXX receives in the course of business ) recommended to XXXX, that the check I had written should not be accepted. All the while, I had more than a funding balance in my checking account. 

After about an hour of embarrassment and the speculation of being a fraudulent check writing criminal, I decided I would re-write the check for the exact amount of XXXX, which surprisingly was processed and authorized by the Certegy algorithm, no problems. 

It was printed on my XXXX receipt the consumer rights of the FRCA as well as the contact information for Certegy check processor. As such, that evening, I requested by ( self-service phone call ) my consumer file from Certegy, and received by mail a consumer file disclosure on XX/XX/XXXX, which indicated " No Information on File '' for the Past 24 months and which included 5 pages of FRCA and other " consumer rights. '' Upon two phone calls with Certegy, on the evening of XX/XX/XXXX, the agents of Certegy, did not know the difference between a complaint and a dispute. It was also denied any affiliation with FRCA or credit services because they were only providing " check processing '' and using my Personal Identifiable Information to asses risk. 

Basically, being told that FRCA does not apply to them, as it was a consumer 's personal bank check. This includes using my drivers license number, bank routing and account number. When asked, they did not provide my credit score, nor could they provide specifics as to why one check was good, and the other was bad. They also informed me there is no guarantee that it wont happen again. 

I believe their decision to deny my personal check was without merit or cause. As such, I believe both my privacy and consumer rights have been violated by this " automated '' algorithm, insufficient data, and non-compliance with consumer protections. 

The embarrassment and electronic notification suggesting to the retailer that my personal check was bad, and not authorized or that of being a fraudster is unacceptable. I believe my both my privacy rights and consumer rights have been violated under FRCA and GLBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my auto loan with capital one my loan was switched to paperless without my consent. This made it so my auto payment was filed late as i had not received the coupon in mail. Then my auto loan was reported as a missed payment to the credit bureaus and dropped my credit score. This ruined my credit, and when attempting to resolve they state they tried to contact me multiple times, of which i only received one call where i paid the payment immediately. They refuse to retract that missed payment and I am suffering for what i consider their fault for switching me to paperless.
Product: Debt collection

Ive contacted them numbers of times XXXX XXXX XXXX XXXX XX/XX/year> Ive contacted and spoke with representatives asking for a validation of debt letter. As I view the account payment summary it shows on time payments were made in XXXX XXXX, XXXX, and XXXX shows C as in collection which is inaccuracy on experian credit report.
Product: Credit card or prepaid card

I opened this account a year or so ago because my dentist offered it to me, I make regular monthly payments but noticed recently that my balance doesn't seem to be going down, so I looked through the transactions and realized they've charged me {$1300.00} once, and {$520.00} twice. I reached out to find out what the mistake was, and they said they {$1300.00} is a " credit '' on my account ( which it is not ) because they " purchased '' my previous balance at the end of a promotional period, and that the {$520.00} is being charged every month from now on. ( My original balance on this card was only ever a little under XXXX, and I regularly make payments of between XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 student loans for my XXXX XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based  payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, 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: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has occurred involving these accounts, and under the provisions of 15 U.S.C.

1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the removal of these items from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX FIN - Account Number : XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$210.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$3500.00} XXXX. XXXX  XXXX XXXXXXXX - Account Number : XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$830.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$970.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$590.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX