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

The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD  has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a charge-off account from Nissan Motor for a vehicle, which is close to seven years old. This account appears to have been sold to various collection agencies, and I am now being subjected to threats and simultaneous collection attempts from multiple companies. Additionally, I have noticed discrepancies in how this account is reported across credit bureaus. One bureau lists the account as a " Profit Loss, '' while another lists it as a " Charge-Off. '' Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), charge-off accounts can not be reported on credit reports for longer than seven years from the date of the first delinquency. Furthermore, if an account is reported as " Profit Loss, '' it must reflect a XXXX balance and be marked as a closed account, as the debt is considered written off by the creditor and no longer collectible. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692d and 1692f ) prohibits debt collectors from engaging in harassment, threats, or unfair practices. Attempting to collect the same debt through multiple agencies simultaneously is deceptive and may constitute a violation of federal law.

I request that the Consumer Financial Protection Bureau investigate this matter to ensure : The charge-off account is removed from my credit report promptly as it approaches the seven-year reporting limit. 
All discrepancies between the reporting of this account by different credit bureaus are corrected, with the account showing a XXXX balance and a closed status if classified as " Profit Loss. '' All collection activities related to this account cease especially any duplicative or misleading efforts. 
Nissan Motor and any associated collection agencies comply with federal laws and provide proof of debt ownership and validity if they intend to continue collection efforts.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Payday loan

Someone keep calling me from XXXX,XXXX. Stating that they are going to serve me papers on my Job. They give them to the HR. I need XXXX forms of ID. That I was a person of Interest. His name was XXXX. File number Doc XXXX. I had a payday loan online 1 year ago ; but my Job filed Bankrutcy ; and closed. I told the company at that time. I called the numbers at XXXX and XXXX and it states if you have an existing loan or in collection that they no longer in business that they have not sold any information to a third party. But everyday I get phone calls from different numbers ; they have all my information. There has been phone calls from XXXX ; I google it. I talked to a Consumer Compaint they tell me it is a scam. I can not rest for these peoples. I had called number back XXXX the lady was rude saying that I have been sued that I need a Lawyer. I told them send it to me in writing ; they are saying they have it in the court. I stopped answering calls that I do not know. I let the social security peoples know about the scam.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXXXXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

On XX/XX/23 I attempted to utilize Capital Ones convert rewards feature to one of their travel partners ( XXXX XXXX ). When attempting to do the two step verification process, it was unable to verify my phone number and said to select a different verification method. No other methods were offered for verification. I called the help number and was transferred to no fewer than 10 customer service representatives who were unable to help. I had to purchase {$700.00} worth of miles for my upgrade rather than using the XXXX miles in my account. When I called the help desk to check on the status of my case, I was told only a complaint had been filed and that this was happening to 10 % of their customers with no end date in sight. Their solution was to reimburse my purchase with miles. The upgrade through their travel partner was XXXX miles. To cover my {$700.00} purchase, I would need to use XXXX miles. This would mean that I need to use XXXX more miles. This solution was apparently acceptable to the company as it benefits them. The sole reason I opened this account was for their rewards program with their travel partners. My XXXX miles are now being held hostage if I can not use the convert rewards functionality.
Product: Debt collection

I arrived to this country on XXXX/XXXX/XX/XX/XXXX and XXXX is trying to bill me a debt dated on XXXX/XXXX/XX/XX/XXXX owed by a person named like me but not in my address. The difference is in the apartment number. XXXX already opened a collection using XXXX collection company that I solved last XXXX, XX/XX/XXXX when I contacted XXXX and sent to them all my information. It is supposed to be solved when XXXX XXXX sent back the wrong information to XXXX. Now, collection appeared again in my credit report but now XXXX issued to Convergent Outsourcing. I sent my personal information to XXXX and I told them about their mistake but they sent to me a form of Identity theft and they asked me to send them back a police record report, as if someone had used my information, but this is not the case. They do not take on their mistake. At the end, I did n't accept that. Why do I need to spend my time and my money getting that documents when they made the mistake. I do n't know how or why this debt was linked to me, and how XXXX got my personal information because I never have had an open account with them. They did a bad job and now I have a collection in my credit report that have been affecting my credit score almost 2 years. I wanted to sue XXXX but it is a hard process. The error is so simple and solution is so simple too, that 's why I do n't understand why XXXX ca n't fix it. Please if you know how to solve this problem, I would like to know. 
Best regards
Product: Credit reporting or other personal consumer reports

I am filing a complaint for the new collection that appeared on my credit report. The original creditor on this new collection is the same as the creditor on my previous collection, which was removed in XX/XX/2023. The previous collection was verified as inaccurate and invalid, so it's been removed. 

Last week, I received an alert about the new collection on my credit report but was not properly notified by the creditor or collection agency. I believe this is an illegal reinsertion and should be deleted from my credit report. 

In addition, I also found an inaccurate late payment to one of my accounts. I believe the late payment was caused by a system error as I set it up with my auto-pay account.
Product: Debt collection

Two account on credit report due to ID Theft. Also there is also knokwn as name " XXXX XXXX '' is not me
Product: Money transfer, virtual currency, or money service

I had tried to open an account on coinbase over 2 years ago ( approx XX/XX/2020 ) over the XXXX holiday. I spent many days trying to " sign up ''. In summary, I was completely frustrated and never got any support whatsoever. I went through the steps ( Pictures from my phone etc ) to authenticate myself multiple times and I believe I have {$50.00} in a wallet. There was never a reply from support, no way to get to the wallet ; no reply from Coinbase other than emails describing an attempt to log in and it never happens ( never any success ). There is no need for this type of treatment as a customer and WHY am I receiving more emails from Coinbase just to frustrate me further? I have filed a complaint with XXXX but it shows they have an " XXXX '' grade so not expecting any follow-up there. The person at XXXX  XXXX XXXX : XXXX XXXX Dispute Resolution XXXX XXXX XXXXerving the XXXX XXXX XXXX XXXX and Northern Coastal California XXXX XXXX referred me to file a complaint with you. 

XXXX, I've sent multiple letters to the CEO without any reply. I mailed the letters from mail-a-letter.com
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 



I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX XXXX to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 usc 1681 section 602 states there is a need to insure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. 15 USC 6801 states it is the policy of the congress that each financial had an affair and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 says in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information neither do they have my written consent. Any and All consent to XXXX, XXXX, ( furnish of information to credit agencies ) verbal, nonverbal, written, implied or otherwise revoked. 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) never informed me of my rights to exercise my nondisclosures option. 15 USC 1681C ( a ) ( 5 ) except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681e every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. I am opting out of your reporting services backed by 12 CFR 1016.7 A consumer may exercise the right to opt out at any time.
Product: Debt collection

I don't know who this company is, as they won't answer the letter you have on your website to send XXXX. I don't owe this company anything.
Product: Mortgage

I have two mortgages with JG Wentworth. I need copies of my most recent statements for each mortgage for a refinance I am working on for my primary residence. I spent the better part of the day XX/XX/18 simply trying to get someone on the telephone. I probably spent about an hour trying to research the correct phone number after trying many and being told I was in the wrong department, another hour on hold, and a final hour arguing with various JG Wentworth representatives who were unable to assist me. At one point I had a representative assure me after asking many security questions and confirming my email address that she would email me my statements, but she never did. I have checked all spam and junk folders. I still do not have my most recent statements and I have no idea how to resolve this situation. My request is for the most basic service with respect to my loans - if JG Wentworth is unable to provide such service, they should not be in the lending business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, consumer disputed account online in which the consumer requested that the XXXX XXXX account be removed as the consumer is NO LONGER an AUTHORIZED user. The consumer is not the primary card holder and therefore the account should not still be reporting on the consumer credit file. Reason for the complaint is that Experian returned the results on XXXX XXXX. 2020 showing updated payment and balance on the account and also showing the account to be active. Experian did not conduct investigation as the consumer requested because if they did their job properly they would had removed the account from the consumer credit file. This reporting is not reflecting a true accuracy and it's effecting consumer 's credit score. The consumer also contacted XXXX on XXXX to verify if consumer was removed as an authorized user and they verified that it was done as requested by the primary card holder at the end of XXXX/early XXXX of 2020. Experian has failed to properly conduct dispute in timely manner with accurate updates.
Product: Debt collection

Received a letter twice from Certegy which claimed I owed XXXX XXXX XXXX. I checked with XXXX and they told me these people are scammers and that I do not owe this money to XXXX I called certegy and the person asked me for my credit card number right away. Then she asked me for my drivers license number. 

I told her she was a scammer and she got off the phone right away. How can these people live with themselves? 

The phone number I called is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX . Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes hello, I am being harassed buy a credit company XXXX  XXXX/Swiss Colony for a charge-off debt on my credit report. 
My account was closed and posed as a charge off on my credit report in XX/XX/XXXX, because of late payments that could not be made due to the loss of my job and no income at the time. 
Since that time and now/recently once again, they have continually intentionally put a bad mark on my credit reports as a charge off once again on XX/XX/XXXX. 
Like I said this is harassment and I would like it to stop! 
I'm fully aware of the amount owed/due, which is {$210.00}, not {$860.00} of the whole amount. 
I have made many payments on this account and they are trying to stick me for the whole amount/bill which is wrong and illegal. 
I would simply like to have this issue resolved/resolution made as soon as possible, I would appreciate it.
Product: Credit reporting

I called : Creditor Contact Details :   FIRST HERITAGE    XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX , (  XXXX  )  XXXX . I Had them check the information and because I used to have an account with an Ex-husband they had the Social Security numbers wrong. They had my Social Security under his name. They have changed that for me to avoid further confusion. Please remove this hard inquiry from my account. It has nothing to do with me. Going through with divorce has caused some Medical accounts to too fall behind on my  credit score . I will pay them immediately. Thank you very much.   Your quick response would be greatly appreciated.   Sincerely.    XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I tried refreshing my browser, thinking it was a glitch, but nothing changed. These false accounts remained, and now Im requesting a thorough review of the documents Ive sent so that I can finally stop worrying about this issue.
Product: Mortgage

Funded refinance on XX/XX/XXXX with {$5500.00} escrow holdback. Have not been provided funds after nearly 2 months after completion of project and repeated attempts to obtain. 

Originally requested final inspection to be ordered on XX/XX/XXXX. Did not receive confirmation final inspection was received until XX/XX/XXXX and check could be expected in maximum of 15 business days. Followed up on XX/XX/XXXX. Was told their accounting department never received funds from title company and we should have them by that following Wednesday. Followed up again on XX/XX/XXXX. Again told title company did not send funds to Accounting department. No resolution provided.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later and I have yet to receive a response. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.