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

Discover financial has wrongfully and inaccurately placed several late payments on my credit report. These issues began during the COVID19 pandemic XXXX and Discover agreed to remove these late payments with a goodwill update request to the bureaus, but they never followed through. These late payments have negatively affected my life and ability to acquire financing. 

They are in violation of several FCRA laws. 

According to the FCRA : 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

MRS Associates called my workplace regarding a debt. I have no out standing debts! I told them they were mistaken, became verbally abusive and threatened to tell my employer lies. 
I looked up the company and they have several complaints, I am attaching a print out from the XXXX XXXX Website They are based in XXXX XXXX New Jersey phone numbers are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Obtained a loan for a new car in XX/XX/XXXX with Chase Auto Loan. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from Chase as well for the car ( document attached ) 6. A check was sent to Chase Auto in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. On XX/XX/XXXX the Chase auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from Chase thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from chase and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from Chase, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to chase between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when Chase had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. Chase began to mark my credit report falsely and incorrectly with the Credit Bureau XXXX  between XX/XX/XXXX and XX/XX/XXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with chases corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that Chase is not willing to remedy. It is my hope that you will be able to assist.
Product: Debt collection

PRO COLLECT is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

I received my first phone call around XX/XX/XXXX ( maybe a few momths later too long ago to remember exact time ) from the Profit Services Group trying to collect a debt from my hospital visit ( while on a military trip ) to Georgia XXXX XXXXXXXX XXXX. I was unaware I owed money to the hospital. After the guy from the Profit Services Group proceeded to tell me i NEED to pay now sounded odd. I called the hospital to find out they never billed my insurance company. I gave the hospital my insurance information and they told me that they will run it but it will not be pulled from collections until insurance pays. I called my insurance company a few weeks later because i was receiving multiple calls from the collections agency and eventually they were hostile and wouldn't allow mw to speak to a supervisor. My insurance company told me they sent out a check about a week ago ( at the time of this conversation around XX/XX/XXXX, XX/XX/XXXX ) and i didn't have to pay anything. I let it go until i received more phone calls telling me i have to pay again, i told them my insurance paid it and if they have any other questions my insurance company told me to tell them to call them. Well the guy said no it doesn't work that way they can call us in the mean time we are putting this on your credit. I called my insurance company back and relayed the message, i gave them the phone number they called collections agency and called me back stating they were rude and didn't get anywhere and they wouldn't give the hospitals phone number. The insurance company eventually got in touch with hospital and worked it all out however, collections agency never let go of collections instead they put it on my credit with three different amounts that is inaccurate. I keep disputing on my credit report but somehow they are saying its valid when it's not. They don't call me anymore except when i keep disputing they keep calling i ignore them because of the ignorance of the conversation. PLEASE help me = (
Product: Debt collection

I received a collection notice regarding a bill from XXXX XXXX. I had been to XXXX XXXX with concerns regarding XXXX XX/XX/XXXX ( I saw XXXX XXXX XXXX XXXX, who told me I hade a XXXX earlier this year at a different hospital ) but I had never received a bill for this visit. I believe there were XXXX visits, XX/XX/XXXX and XX/XX/XXXX, it was awhile ago and I do not remember. 

The bill, from Transworld Systems Inc, claimed I had never paid my bill to XXXX XXXX, which was true, because XXXX XXXX had never sent me one. I called the FTC and asked them what I should do and they told me I should call XXXX XXXX 's billing. I did and XXXX XXXX claimed that they had the wrong address for me and that they were sending my bills to an old address. I gave them my new address. They requested I start making payments for the bill in the meantime and that they would pull the debt from the collection agency. They told me to disregard any future letters from Transworld Systems Inc . I thought I made a payment over the phone at the time but I ca n't find any evidence of this. I did start making payments online immediately. Transworld sent me one more collection notice, a couple weeks later, which I disregarded as instructed. 

Although XXXX XXXX billing had told me on the phone that they would send me an itemized bill for my visits, they never did. I only ever received XXXX bill from XXXX XXXX. It was XX/XX/XXXX, for the remainder of the debt that they said I owed ( after my online payments ), and I paid that with a check. I have my bank statement as proof of this. I thought that had settled the matter. That was XX/XX/XXXX. 

A couple weeks ago I received a new collection notice from Transworld Systems Inc., claiming that I owed them almost twice as much as either they or XXXX XXXX had ever said that I owed them, and it was for those same dates, XX/XX/XXXX and XX/XX/XXXX. I received a credit card statement about a week ago that said my credit rating had dipped over XXXX points. 

I was under the understanding that my debt to XXXX XXXX was settled. And again I received no notice from XXXX XXXX before receiving this collection notice, even though now they have the right address to send me any correspondence. 

I do not believe this debt is valid, as XXXX XXXX had previously led me to believe the matter was resolved and has made no attempt to contact me directly.
Product: Credit reporting or other personal consumer reports

This mobile account had been making it's way to my credit report with several companies and I don't understand why. I have not had a mobile account in over 10yrs and when I left them I did not have a balance at all! They wouldn't even disconnect the phone line nor transfer it unless is was paid in full first! Theis popped up the first time with another creditor and after disputing it, it was removed. Now it's showing up again! Their were 2 separate accounts reported, one was removed and one stood behind which again makes no sense. I don't understand why the credit bureau allow this! This needs to be resolved and how was it removed then added back! That's insane!
Product: Student loan

Yes, I have a problem with navient. I had started wi th   XXXX   XXXX   and  then all of sudden it went to navient. The loan I have is a parental loan which I got for my daughter in   XXXX  . I guess my complaint is they are still saying that I owe them money when I have been paying on the loan for 12 years now. I also had  XXXX  Forbearance on the loan in which I tried to pay the interest off when it was in Forbearancestors but they put to the principal and not the interest. I have all the different information they sent me and when I say different I mean different. When I got these loans for my daughter i was a divorced single mom trying to make a difference for my daughter and trying to build credit for myself. So please need your help in trying to figure out what is going on with this loan.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. XXXX XXXX  XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we're obligated to expunge any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( ONE MAIN XXXXXXXX ), has violated several of my rights. 
15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not furnish an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-in consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to request to the removal of the fraudulent accounts and iNformation off of my Credit File. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that are found to be fraudulent or items resulted due to Identity theft. Please find the required documents to assist in the removing of the fraudulent information which are being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$310.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00} XXXX XXXX. XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX FIRST XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ), as the Credit Bureaus, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I deposited cash money in my account it didn't post to my account until Monday. I was charged {$36.00} for an overdraft of {$3.00}. Then it continued through out the week where Truist rearranged my transactions each time resulting in {$3.00} XXXX to incur an overdraft charge. I have asked them to take this overdraft off of my account XXXX XXXX XXXX refused to remove it. Stating that Ive already receive a courtesy removal of overdrafts which was the same thing. Being charged for Truist rearranging charges to incur a fee.
Product: Debt collection

You placed this alleged debt with XXXX XXXX, then moved it to XXXX XXXX. I need real documents. Who had my personal information, and when? Did you sell it, assign it, or just throw it around like a hot potato? If you cant provide proof, you have no legal basis to report or collect on this alleged debt. 

Before XXXX XXXX attempted to collect, I disputed this debt with XXXX XXXX. XXXX stated they would send my request to American Express for validation. However, I never received any validation from Amex before XXXX XXXX started contacting me. If Amex never validated the debt while it was with XXXX, then XXXX XXXX has no legal right to collect it. 

I also submitted a CFPB complaint regarding this issue ( Case # XXXX ) on XX/XX/year>2025, and I am still waiting for American Express to respond. In my prior CFPB complaint ( # XXXX ), I asked XXXX XXXX for documentation on how they obtained my personal information from Amex, including what data was shared and with whom. They failed to provide any copies or proof. Transparency is key, yet Amex and XXXX have yet to provide answers. 

Despite XXXX failure to respond to my CFPB complaint, they still went ahead and placed the account with XXXX XXXX. If they cant even validate the debt when questioned by a federal agency, how can they legally assign or collect on it?
Product: Credit card

I used my credit card with XXXX yesterday. I was scammed. They got into my computer and locked it up. I called the no. on the computer and they said I had viruses on my computer and I had been hacked my foreign countries. Said they were the only ones that could fix it. Dumb me, fell for it to the tune of {$290.00}. XXXX. is what is showing up on my credit card, but I was talking to someone who said they were XXXX XXXX, tele # XXXX. I researched them, and they are definitely a scam company. Hope they have not ruined my computer. I need your help.
Product: Credit reporting or other personal consumer reports

I cant believe I found inaccurate accounts on my credit report today. I regularly check it and didnt expect to see these discrepancies out of nowhere. When I refreshed my browser, I hoped it might just be a glitch, but nothing changed. I am requesting that my documents be examined in detail so that I can finally have peace of mind about this issue.
Product: Debt collection

I'm unaware of this debt, I didn't have a opportunity to dispute this information if in fact you believe y'all gave me the proper notification then please send me the Certified receipt with my name on it
Product: Credit reporting or other personal consumer reports

I recently requested for a correction to be made on my credit report because I was showing 2 credit inquiries showing on my credit report. The bank recently closed my business bank account which they had sent me a pre approved letter for business credit. Then they proceeded by denying my application and giving me 2 credit inquiries while at the same time sending me a " end of business '' letter where they didn't disclose why they were discontinuing doing business with me. I think its completely unfair for them to promote pre approved credit, have me apply, and then stop doing business with me while at the same time reporting a hard inquiry to my credit report not just once but twice. I need both hard injuries to be removed. Bank of America is destroying me chances from continuing business else where.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Affirm, which I found when my credit score dropped. I have never had an account, inquired about one, never had any association with this company. I now, XX/XX/XXXX, Since XX/XX/XXXX, still have this reported on my credit report as a delinquent account for the past 4 months will no help to look into this. I have contacted Affirm, the first 3 times I was actually told that there was no account, and they confirmed not finding any accounts under my information. I asked for a letter stated this to turn into XXXX, never received anything. I have called XXXX, filed numerous disputes, one after another, even while they were still under dispute. I also contacted XXXX by phone several times, and by mail. Since this started, I now have the delinquent status over 90 days, been turned down for 3 loans I was trying to acquire. I just started a business, this impacted the business accounts that I was working through. Affirm slowly got my information each time I called to have this matter resolved, and actually used it to attach to this account. Both XXXX and Affirm tried to help, listen, or otherwise care what it was doing to my personal status. I have a 100 % on time payment history with 4 different accounts, why on earth would I use this company first of all, and why would I risk or harm my history of excellent standing with the creditors from which I hold actual legitimate accounts. That should have been the first red flag to XXXX that something didn't look right. Instead they blew me off, their only offer of any kind of help was to tell me to file a dispute, and then proceeded to ask me to submit supporting documents/information. Well that would be fine not to mention a simple solution except I NEVER had an account with Affirm therefore what was it they supposed I should come up with to confirm??? Well, I can count on two hands the number of disputes, back to back and during the others. HINT! Red flag number two!! It is a very sad situation to have to feel so helpless when you are supposed to have trust in the credit reporting companies, and even sadder when your livelihood is left in their hands. I can't go back in time and restart my business, let alone the years it took to get my credit to where it was. I took much pride in accomplishing that score and accumulating history to back up my good standing, and now I am left with anger, disgust and a sour taste for future dealings with our credit reporting system.
Product: Credit card or prepaid card

Synchrony Bank is spitefully closing my credit cards due to a complaint I recently filed against them. Now, I can not log in and pay my bills. This act of aggression hidden behind their so called terms, which my credit it the same as when I received the cards, is an attempt to hurt my credit rating and good standing. For someone to do this in a time of crisis is unethical and childish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion responded to a complaint # XXXX on XX/XX/2020 stating that my XXXX account XXXX has been updated but did not address the actual complaint. The payment history is inconsistent with the reporting and has been removed from XXXX  due to unable to legally verify and must be removed or deleted due to violation under the FCRA. Transunion also has failed to include " notice of dispute '' in violation of FCRA. 

In addition the XXXX account XXXX is showing a status of charged off and in collections. This account is paid in full and should reflect the actual status of the account. Transunion also has failed to include " notice of dispute '' in violation of FCRA. 
This conflicting information on these accounts is causing me an undue burden in my search for employment as well as future credit. I demand this information be correct or deleted from my file immediately.