23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

They referenced the system acts on its own accord, and can hold payments if you make more than XXXX payment in a billing cycle. Or if you make a large payment, over {$1000.00}. They also referenced making more payments than {$7900.00} in a single billing cycle, even if your credit limit is above this amount. 
They are inconsistent in how these loose rules are applied, and they aren't published anywhere. Reps when contacted about it, consistently give inconsistent information.
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.
Product: Debt collection

I have already contacted XXXX XXXX XXXX XXXX XXXX to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX. A police and Identity theft report has already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account. This account needs to be removed from my credit profile.
Product: Credit reporting

To date, I 've not received any invoices or payment requests from this collection agency, only copies of a hospital statement and a copy of my drivers license and signature. I have credit reports from as far back as  XXXX , each clearly showing that they never reported this " collection '' in  XXXX , as they claim they did. I suspect that is because they NEVER made any " collection '' effort, NEVER contacting me at all. I 've found that I am not alone in my grievance, my case being mishandled along with hundreds of thousands of others. This is evidenced as per your  XXXX  lawsuit,  File No.   XXXX , to which I would like to be added as a plaintiff. Aggravating my situation and possibly in response to your lawsuit order to put procedures in place, their lack of diligence with regards to their client ( and me ) was discovered. I 'm certain they decided they 'd best do something to justify their billing to my hospital, even if it was wrong. Hence their  XXXX  erroneous reporting of a nonexistent " collection '' effort more than 5 years after the date of service. I want this removed from my credit and / or to talk with someone from CFPB regarding a lawsuit of my own.
Product: Mortgage

I obtained a first mortgage from First Citizens Bank and was charged {$100.00} for fax service between them and the attorney. There never was any faxing taking place as confirmed by the attorney. I have called different people at the bank for the last three weeks. I ca n't get anyone to call me back to resolve this issue. I wonder now how many people they have done this to.
Product: Checking or savings account

Unauthorized calls to family members asking about acct opening of credit cards. Informed that another acct was opened XXXX different branches XXXX being a credit card. Etc. they have my family members phone number who is not listed on any of my accounts let alone reports anywhere. I was unsure of what to select because theres a fraudulent issue within the company that is going on involving the use of my ssn possibly from other banks sharing info amongst XXXX another and someone opening an account in my name and the interactions had esp with them calling a family member of mine when they shouldnt have this info. Its not listed anywhere on any account or report.
Product: Credit reporting or other personal consumer reports

These companies and I do not a have an open agreement nor binding contract? How did they all get my information
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction or deletion of inaccurate information in my XXXX credit report. Despite your previous claim that the information was verified, there are clear discrepancies that require your immediate attention. 

Here are the specific issues : Incorrect Charge-Off Date : My credit report lists the charge-off date for my Credence account as XX/XX/XXXX. However, the correct date is XX/XX/XXXX. This misrepresentation significantly impacts the validity of the information in my credit report. 
Incorrect Open Date : The same account has an open date listed as XX/XX/XXXX, whereas it should be XX/XX/XXXX. The difference in these dates affects when the account should fall off my credit report, leading to confusion and potential harm to my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), any information that is found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly. I have attached a copy of my credit report from XX/XX/XXXX, which demonstrates these inconsistencies, as well as the results of a previous investigation where these errors remained unresolved. 

Given these significant inaccuracies, I request that XXXX correct these dates or delete the incorrect information from my credit report. Additionally, I ask that you send me an updated copy of my credit report within 15 days to confirm that these changes have been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX   obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX  XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX   went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, Equifax and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System is showing as " Open '' Account dating XX/XX/2017. I never opened any account either with IC System or " XXXX XXXX XXXX '' ( who is listed as the original creditor ) in that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 26 fraudulent inquiries, none of them were done by me. I have conacted company and nothign have been done, ive sent them police report also. I will list each inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was fraudulently charged. Citi attempted to charge me an additional {$800.00}, claiming I received more credits on my account, although they did not appear on any statements and were not reflected in my balance. It took about 30 min on the phone to resolve the issue. I am concerned that they will double-debit other customers who are unable to understand the process and recover the funds.
Product: Payday loan, title loan, personal loan, or advance loan

I went to the XXXX XXXX in California to purchase a car on XX/XX/XXXX and the dealer connected me with PNC Bank lender for my car loan. After XXXX months of payments, I decided to payoff the loan. I made the payoff amount by going into PNC online payment account and made a payment of {$28000.00}. The funds were processed and withdrew from my BOA bank on XX/XX/XXXX. On XX/XX/XXXX, I went onto PnC bank and saw that the loan balance was still there and when I called the PnC bank they said that they did not have my funds when they already withdrew it from my bank on XX/XX/XXXX. I have contacted them and tried to escalate the case but they continue to denied that the funds were received. I contacted them again on XX/XX/XXXX and requested to escalate the situation and was informed that they received the funds but still the account still has not closed and refused to release the title for my vehicle.
Product: Debt collection

I received a mail from a collection company called Property Receivables corp. 
In the mail they indicated a rent that I owed to XXXX XXXX XXXX XXXX {$2900.00}. 
And XXXX has contracted them to collect this debt. 
Knowing that I owe such amount, I went and negotiated the amount down to {$2000.00}, which I paid instantly. 
Later, I checked my credit report, only to find out that the debt was reported as collection by XXXX XXXX XXXX. I disputed it, got this company and let them know that this debt has already been settled and it must be taken off my credit. They sent me an email link to dispute the report and also upload any document proof. This I did. 
Also, I got back to the Property Receivables corp, and let let them know about the situation, their response was that, they did not report this debt to the credit bureau, hence, they are unable to help. Meanwhile, the credit report still reflect that I owe XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX double cash ending XXXX and XXXX anywhere ending XXXX I am not satisfied with the excuses that they give me to reduce my limits on the above cards because none were at the limit or overdraft so I request an arrangement in this situation otherwise I will write wherever necessary this is an abusive, misleading, unsatisfied practice entirely from XXXX bank. this was my person an unjust act and a totally abusive practice. 

XXXX has an unfair, misleading, abusive and discriminatory conduct the level of my line on these cards were low never abuse to take them to the limit and of course that my score is low if this entity treats in an unfair way the people we pay well if MOROSITY and NEVER to the limit of credit. WHAT XXXX IS CONCERNED WITH IS TO BE PENDING ON YOUR ACCOUNTS, IN ADDITION I DID NOT REQUEST ANY INCREASE TO VERIFY MY SCORE IS NOT AUTHORIZED AND POINT. THE OTHER ACCOUNTS I HAVE HAVE NOTHING TO DO WITH XXXX AND IT WAS ALSO FOR A XXXX TREATMENT AND THESE OTHER ENTITIES THANK THAT I AM A MEMBER AND YOU WHO HAVE NOTHING TO SEE TAKE INAPPROPRIATE ACTIONS WHICH HAVE CAUSED NO DAMAGE TO US A LAPTOP FOR MY SON 'S UNIVERSITY. THEY HAVE NOT BEEN FAIR OR TRANSPARENT TO BE ABLE TO ACCESS OTHER MARKETS. IN THIS CASE, THE FEDERAL LAWS WOULD HAVE TO INVESTIGATE THIS CASE PERCE BECAUSE XXXX IS BREACHING CERTAIN REGULATIONS SUCH AS REGULATION Z, I REMIND YOU THAT I WORK IN A XXXX   AND I KNOW MY RIGHTS OF LA AZ-19 NOR EVEN TIMES ONLY NO MORATORIUM I HAVE KEPT PAYING MORE THAN THE MINIMUM ON BOTH CARDS THEY ARE NOT TREATING ME A FAIR AMANERA IN XXXX.THIS MENTIONED IN YOUR LETTER IS TRULY FALSE IF A YEAR-OLD CUSTOMER AT YOUR INSTITUTION AND HAS BEEN TWO YEAR-OLD CUSTOMER IN THE CITY CASH DOUBLE DOUBLE YEARS. IT'S NOT THAT THEY'RE LAMENT IT DOESN'T USE ANYTHING THAT EXPRESSION IS THAT THEY RESOLVE IT IN A FAIR WAY FOR BOTH PARTIES.ALTHOUGH IT SHOULD BE TRANSPARENT TO YOU, I WILL ATTACH EVIDENCE OF MY XXXX AND XXXX TREATMENT THAT YOU DO NOT EVEN USE THESE CARDS FROM YOUR BANK
Product: Mortgage

XXXX XXXX provided my first and second mortgage. They sold my first mortgage a month after closing and kept my second mortgage. My second mortgage is a balloon payment which wasnt fully disclosed and is due now. After the past two years of phone calls and requests they refuse to refinance because it's a second mortgage. The only reason I dont have my first mortgage is because they sold it. 
They refuse to work with me and there only answer is they will foreclose if the amount isn't paid in full.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards, loans, collections, bankruptcy.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Accounts that need to be blocked and removed from credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 years I have been dealing with Experian and XXXX continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter XXXX  Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX {$0.00} ( Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted Consumer Portfolio Services about a Negative Item that they are Reporting on my Credit Report ... 

The Negative Information is a Car Loan Account XXXX ... which was Fully Paid on XX/XX/2015 ... 

On my Credit Report..they show a Late Payment on XX/XX/2015 even though they received a Payment of {$4200.00} on XXXX XXXX and they Accessed an Interest of {$170.00} on XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I made a purchase for {$15.00} of gas from a double time in XXXX. The transaction declined. When I looked at my balance it was because it was only {$13.00} in the available balance. Cashapp took the available {$13.00} although the transaction declined. The gas station could not print me out a receipt because there was no transaction. I contacted cash app they said to wait 10 business days for it to cancel. Today on XX/XX/year> I see the transaction was voided but the funds are not in my account. I reach out to cashapp. They said they didnt put the funds in my account because the transaction was voided at {$0.00} which there was never a transaction because it declined they were the ones holding the money. They now are refusing to give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute and request the immediate fraudulent accounts and inquires listed on my transunion report, which are the results of identity theft. As a victim of identity theft, i an protected under the FAIR CREDIT REPORTUNG ACT ( FCRA ). According to Section 605B of the FCRA, i have the right to request removal of fraudulent information resulting from identity theft from my credit report. i appreciate your prompt attention this matter. As mandated by law, i expect these fraudulent accounts and inquiries to be blocked and removed from my credit report immediately to prevent from further damage to my credit. thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collections agency shows account open with XXXX balance. This account was discharged in a bankruptcy. They have harassed me for years and continue to do so. They finally acknowledge my lawyer with the bankruptcy. Now they are keeping account on my record open and have not removed it from all credit reporting agencies, like the other reputable companies. I have filed multiple disputes with XXXX to no avail. They seem to let them do what ever they want. Please help me I am XXXX and they will not leave my credit alone. They have remover it, added back at lower amounts then they add more money, constantly change my credit report for the worse.