23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX direct marketing is a very old debt that keeps selling my information to collection agencies. This debt is so old that I honestly dont recall the date of inception. It is negatively affecting my credit. The collection agency is showing a date of 2016 which is definitely incorrect. The debt is for {$490.00} and that is also incorrect. No product XXXX sells costs that much. Due to this collection on my credit report, my score is severely affected. I have made attempts to get this removed by phone but to no avail.
Product: Credit reporting or other personal consumer reports

This is not a notice for investigation for inaccurate items on my report. This is a notice to remove and/or update excluded information from my report. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to15 U.S. Code 1681a. As I examine my report, Ive noticed XXXX, Equifax, and XXXX has been furnishing my transactions and/or experiences between I and the person/creditors making the report. 
No consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 U.S. Code 1681c. As I examine my report, Ive noticed XXXX, Equifax, and XXXX furnishing collection accounts on my report, and also charged off remarks. 
Furthermore, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit transaction that is not initiated by a consumer. As I examine my credit report, there are unauthorized inquiries furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on both my XXXX and Experian credit reports. The bankruptcy is from XXXX XXXX and was filed in error and promptly dismissed in XXXX XXXX with no judgment ever being entered and bankruptcy never actually being declared. I have tried to have the item removed as even their investigations show the case dismissed in three weeks with no judgment but it still shows on the reports. An actual bankruptcy can drop off in seven years, this has persisted for six years and was never an actionable case. I have contacted both companies every three months since XXXX XXXX to no avail.
Product: Money transfer, virtual currency, or money service

i was trying to connect my PNC banking account to my XXXX XXXX XXXX, and it would not connect due to changes that PNC have made that hinder the interaction of the two companies.
Product: Checking or savings account

Hello, today, XX/XX/2022, Capital One denied my claim on the basis of : We got your request to withdraw your dispute. But I NEVER requested Capital One to withdraw this claim at all. Capital One is lying and/or misleading and wanted to close/withdraw this claim on their own without my consent/approval to close/withdraw it. My claim number is # XXXX. I need Capital One to re-open and/or continue the claim/dispute process. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Account # : XXXX. Date opened : XX/XX/XXXX Closed/pays as agreed. Date reported XX/XX/XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Product: Mortgage

Bank of America added Hazard insurance and Flood insurance fees to our mortgage payment, the payment is withdrawn automatically from our Bank of America checking account that we have held for over 35 years, when the increase amount was returned due to insufficient funds ( we did not know the payment had increased and therefore on a fixed income there is not additional money available for that adjustment ) Bank of America stopped the automatic withdrawal after one month while we were out of the county and put us in further debt. XXXX XXXX and XXXX XXXX sent in proof of Hazard and Flood insurance on the property, the additional fees were not removed and there are additional insurance fees, late fees, property inspection fees, foreclosure attorney fees, foreclosure expense fees that they are not adjusting so we can pay the mortgage that is due and will not reinstate the automatic withdrawal and will not take any payment that does not include all the above fees and stated will not be refunded. We are in fear of losing our property. Bank of America holds our mortgage for many years and prior to this incident there was never a late mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX  ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX - XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up this morning to 4 new inquires on my credit report that I do not recognize all being on the date of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES I am not sure if any amounts for I received notifications of new inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting false and inaccurate information to credit bureau.In violation of Fair Credit Reporting Act.
Product: Student loan

My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service for qualification for the Public Service Loan Forgiveness Program. 

My loan records will demonstrate that I have faithfully made payments to my student loans for more than 20 years and have been denied the forgiveness of XXXX XXXX as well as the US Department of Education and Federal Student Aid. 
1. These student loans qualified for the program originally ( and XXXX servicing later consolidated these loans ). 
2. I made payments on time each month toward my student loans. 
3. I notified my servicing provider that I was in public service and was NEVER TOLD that these payments were not qualifying due to some sort of an issue with the consolidation. 
4. My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service. 

XXXX refuses to pay off my student loans and my current balance is {$10000.00}. The U.S. Department of Education and Federal Student Aid  refuses to assist to resolve this dispute. 

Your assistance in resolving this is greatly appreciated.
Product: Vehicle loan or lease

I am struggling financially and need to surrender my vehicle back to the company, i do know i am liable for the remainder of the loan until either settled or paid in full however i have been getting voicemails that are not limited content messages, they are saying the year make and model of my vehicle, that they are calling for broken arrangements, my account is going to loss prevention and these are all things that under the limited content message rule should not be left on a message. I am not sure if they do the XXXX testing but this is an important rule for collection companies to let their employees know. 
When i did talk to a rep XX/XX/23 she advised to me that they can say anything over the voicemails.
Product: Checking or savings account

On XX/XX/2022, I was admitted to the XXXX XXXX XXXX XXXX XXXX resulting from a XXXX XXXX While under their care, my wallet ( containing my Navy Federal Credit Union access number ) and personal belongings were out of my possession. When I was discharged ( XX/XX/XXXX ), I saw that someone had forged my signature on the discharge papers and even spelled my name wrong. It was not a family member because the hospital did not allow any family members to visit me. My daughter brought a change of clothes to the hospital but had to hand them off to a security guard who gave them to me and the security guard had to escort me to the car to go home. On XX/XX/XXXX, my wife discovered that our Navy Federal Money Market and savings accounts were empty and they told her that I had withdrawn the money online, but I do not bank online. We filed a fraud claim with the credit union, contacted our other bank ( XXXX XXXX XXXX XXXX XXXX credit cards and learned all of our joint accounts were maxed out or depleated. I filed a report with XXXX XXXX Police, fraud report with XXXX, XXXX 'XXXX XXXX XXXX, as well as identity theft fraud report with Social Security, the FBI, and the XXXX XXXX XXXX I have also received numerous notifications of credit denials ranging from {$20000.00} to {$70000.00} from all over the country which I did not apply for. One of them was from XXXX and I informed them that I am not a member and did not apply for it and to mark it as fraud. I notified all 3 credit agencies and had my credit score/report frozen. I continued to receive credit cards in the mail ( which I did not apply for ) with credit limits up to {$5000.00}. I have contacted all financial institutions reporting the fraud and shredded the cards without activating them. Every financial institution involved has been very helpful in working to resolve this issue except Navy Federal Credit Union. The branch manager ( XXXX, VA XXXX, XXXX XXXX, was very rude. He even told me that even though the bank found some of the money from our joint account ( {$5500.00} ) and the claim was valid, Navy Federal would not return the money to our account, but we could still continue to bank with them. XXXX XXXX told us that the funds were unavailable, despite the letter from Navy Federal that I received stating that the {$5500.00} would be returned to our account. Thank you for your attention and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX to XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : XXXX XXXX # XXXX**, XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX**, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX**** , XXXX XXXX XXXX # XXXX**** , XXXX XXXX XXXX****. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX Police Dept.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX XXXX XXXX Last 4 digit of SSN XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of XXXX data breaches and identity theft and XXXX  card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.
Product: Debt collection

On XX/XX/XXXX, I was a victim of identity fraud. Someone went into a XXXX and XXXX XXXX XXXX store and purchased 2 XXXX at both stores. I have an open XXXX account where I tried to stop the fraud, but was too late. I was able to consult with a XXXX representative the next day and the fraudulent phones and charges were removed. 
XXXX XXXX XXXX on the other hand has completely mishandled this situation. 
They do not allow you to speak with a human being, and are required to submit a form online. I submitted numerous forms ; only for XXXX XXXX XXXX to wrongfully deny and continue seeking the fraudulent debt. 
The {$2200.00} debt went into collections and was reported to the major credit reporting services earlier this year by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. 
I contact XXXX 's legal team on XX/XX/XXXX, demanding information to validate the debt, and/or demand the debt be considered fraud. 
On XX/XX/XXXX, XXXX XXXX counsel XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, responded that it placed the account in fraud status, and requested deleting of the derogatory tradelines appearing on my credit reports. 
In XX/XX/XXXX, XXXX XXXX XXXX again sent the fraudulent debt to collections with AFNI, XXXX, who also reported the debt to the major crediting reporting agencies. 
As a result, I was hit on the interest rate on the vehicle I purchased in XX/XX/XXXX. 
Damages will be demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.
Product: Credit reporting or other personal consumer reports

" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from XXXX and XXXX.
Product: Checking or savings account

on XX/XX/XXXX i open an account with chase bank at XXXX branch, with XXXX XXXX id # XXXX, when i open my account i opened with a coupon of XXXX $ if u opened with direct deposit on your 45 days, which i comply with the requirements. my direct deposit hit the bank on XX/XX/XXXX. i waited till my 2 or 3 direct deposit and i don't see the funds of the advertising coupon i got when i open the account, well i contact the branch spoke to XXXX and he said manager will call me which he never did i end up going in personal to the branch at XXXX where i open the account spoke to XXXX again, manager is never there or he never return your calls, so on friday XX/XX/XXXX i get to speak to the manager because i continue to call the branch, he comes and tell me unfortunately i don't qualify because i had open an account and because i didn't took the proof of address to the nearest branch they closed the account which XXXX XXXX knew bout it cause when he was opening the new account that pop out so he ask me and he said " don't matter this a new account " i am going to add the coupon because you qualify for it, i said okay, i am very disappointed at this because they make me wait for the longest to then find an excuse to do not pay me the checking account bonus w direct deposit. i also don't agree with this excuses the manager gave me because XXXX XXXX knew about it and never said anything to me, i also spoke to XXXX and he told me he don't understand why they haven't post the funds is coupon is in the system .. THIS IS FALSE ADVERTISING TO GET MORE CLIENTS TO OPEN ACCOUNTS WITH THEM, OFFERING PROMOTIONS THAT THEY NEVER COMPLY WITH. WHY THE LIE TO THE CLIENTS AND WHY THEY LOOK FOR AN EXCUSE SO DO NOT PAY ME THE OFFER, I WOULD LIKE TO GET THE OFFER BECAUSE I DON'T SEE THAT TO BE RIGHT OR FAIR. I'M STILL A NEW CUSTOMER I HAD NEVER HAD AN ACCOUNT WITH THEM BEFORE TILL XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian, Equifax XXXX & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section XXXX & XXXX. Experian, Equifax, & Transunion has violated my consumer rights by not adhering to the law, XXXX XXXX XXXX XXXX ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an XXXX having authority to administer such oath. Experian, Equifax, XXXX Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section XXXX ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than XXXX business days after the date of the receipt by such agency of- ( XXXX XXXX appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity thief report ; furthermore, under the FDCPA section XXXX states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, TRANSUNION and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Product: Debt collection

Good afternoon, The problem is that we left XXXX XXXX, with the understanding that we do not owe anything since whatever was of our security deposit squared up our balance. The manager, XXXX was whom stated all of this. 

After 3 months, I received a call from IQ Data. Within these 3 months i have never received any notification from XXXX XXXX that there was an outstanding balance. 

By the way XXXX XXXX called me and I had asked for an email or letter correspondence in which they told me they could not provide. 

Then, I went to XXXX the very next day and provided them a Cashiers check of {$1300.00} However, IQ Data mentioned that the debt was {$2500.00} When in reality it was {$1300.00}, which was paid in XXXX. 

By the end of XXXX, my account was sent to Collections almost 2 months after I paid what was owed. 

Now, XXXX is stating that they have provided all the means to IQ Data that this was in fact paid for, while IQ Data is stating that they are not willing to assist and cooperate.

This should have never ended up in collections. It is hurting my credit score drastically, please assist in resolving this matter. I would like this to be removed from my credit report since I have done nothing wrong and have paid what was owed.