23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX in North Carolina submitted my account to a collection agency Interstate Credit Collections before sending me a final bill after I requested services be discontinued due to moving out of state. My next bill would have been due on XX/XX/2016. The collection notice arrived with a date of XX/XX/2016. A XXXX representative verified that they did have my forwarding address, but that it is their policy to turn accounts over to the collection agency within 72 hours of the date due. The date of my bill from collection agency is the same date the bill would have been due, not 72 hours. XXXX did not mail a final bill to me prior to submitting it to collections. This would appear to be an illegal practice. I have paid the bill in full, but XXXX indicates that it is not their responsibility to remove it from collections. I notified Interstate Credit Collections today that the bill has been paid in full to XXXX directly. They have assured me that this will not affect my credit. However I have no reason to believe this. XXXX XXXX should not be able to submit consumers to collection before providing them a final bill. I hope that something can be done to curtail this practice as I am sure it has a negative impact on consumers ' credit! 
I will now have to chase this with the credit bureaus to ensure that it has n't affected my credit. Both businesses have assured me that it wo n't. However the collection agency could not verify that I 've paid XXXX XXXX because they say XXXX needs to submit it as paid to them. XXXX tells me they ca n't remove the account from the collection agency even though it is paid in full. So where does this leave the consumer? 
I hope you can help me confirm this is n't on our credit as we are purchasing a home!
Product: Credit card or prepaid card

Recently, I received the discharge of a bankruptcy proceeding, which has been in progress since XX/XX/2019 and weeks ( XX/XX/2019 ) I received an email from US Bank, with my name, personal information, and " pre approved '' code for the credit card US Bank Cash + Visa Signature Card. The offer is legitimate, and dated XX/XX/2019. The same day I applied for the offer using the code received in the email, all my data was filled, I just read, and confirmed with U.S. Bank website. 

I am aware that every credit card is subject to credit analysis, but I can not agree to receive personalized notification of " pre-approval " with personal use code to apply for a card, and be denied. 

I contacted U.S. Bank and was informed that I can only apply in 5 years after the discharge. 

I feel disappointed and frustrated, because I received a hard inquire on my transunion, and damaged my credit history. 

This offer is totally misleading, and misleads the consumer to error. It is requested providences!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 The following personal information on my credit report is incorrect : - Name : XXXX XXXX - Date of Birth : 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 Employer : XXXX XXXX I am also disputing the following accounts, which may be inaccurate or unverifiable under FCRA standards : - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Planet Home Mortgage apparently bought my VA mortgage from XXXXXXXX XXXX in XXXX. They are stating they converted this loan into a conventional loan without my signature or closing. 

Attached are closing documents for ( XXXX ) Documents clearly state VA mortgage. 
Loan ID # XXXX MIC # XXXX In XXXX, I did a VA loan modification with XXXX XXXX 
Attached are the documents. 

Principal and Interest : {$1300.00} Estimated Escrow : {$330.00} Interest Rate : 3.250 % In order to solidify the loan modification, I had to make 3 consecutive payments of the new loan modification agreement, which I did. ( See checks attached ). 

I have been in contact with the VA several times and the adamantly state Planet Home nor any other mortgage company can change the status of the loan from VA to conventional on their own without consent. 

They are trying to raise my monthly payment from {$1600.00} ( agreed in loan modification ) to a conventional rate of {$2700.00}. Again the VA stated this is preposterous and can not be done.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX 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 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 a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this credit report companies insist they wont check my credit and still do and thats that biggest issue Im having now with multiple companies and its damaging my credit horribly I really need this problem resolved and a good friend told me about you all and I hope to get some answers on what can be done.
Product: Debt collection

NATIONAL CREDIT SYSTEMS INC This company has placed themselves on my credit report Ive written email and letters requesting verification and time barrier on this alleged debt. I have never heard of them their open date is XX/XX/XXXX but I have never had a loan with XXXX nor have I ever been contact or reached. Why are the credit company verify debt but when I request it Im not getting any information. 

Please have them remove this debt as I feel this creditor is lying about the debt and the what it is
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because there is a collection account from a medical company and i have insurance.
Product: Credit reporting or other personal consumer reports

XX/XX/year> called for payment plan and never got the letter to verify.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have been trying to remove a USAA credit card account from my XXXX Credit Report, which I'm only an ( authorized user ) on for 3 Years. I have tried disputing this account 5 times between the dates of XX/XX/XXXX - XX/XX/XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX/XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that 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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX - XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX on XX/XX/2020 ( Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Mortgage

Attached is the pre-construction/construction contract for the property owned by XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX, VA XXXX. There was a surplus identified in the Wells Fargo Contract of approximately $ XXXX at this time. However, Wells Fargo only issued a closing check to XXXX XXXX XXXX for approximately {$1200.00}. Therefore, Wells Fargo will have to explain whom the $ XXXX was granted to ; whether it was the builder XXXX  XXXX XXXX XXXX XXXX the Wells Fargo affiliate, or the Trustee, XXXX XXXX XXXX XXXX, XXXX. Further, it can be ascertained that the land ( paid directly to XXXX  XXXX XXXX by XXXX XXXX XXXX by automatic drafts ), structure and septic is paid for. The allowance of {$6500.00} is due. However, the consideration is made that these were estimates and that these amounts were not to exceed {$6500.00} for the well and {$4000.00} for the septic. Either way, the base price of the home has been paid and the credit ( s ) offset the added amenities. This contract does list XXXX XXXX XXXX and is signed by XXXX XXXX XXXX. However, it has always been understood by the language drafted on all documents concerning this property and upon signature of all parties ', that XXXX XXXX XXXX is the sole owner of this property and XXXX XXXX XXXX would be listed on the mortgage, expected to pay and would improve his credit upon paying. However, XXXX XXXX XXXX was even removed from the mortgage in XX/XX/XXXX by a bankruptcy court order. Therefore, again it is not understood why or with whom would this be a concern approximately 15 years later as he was never an owner on this property, did not contribute to paying the mortgage and was taken off the mortgage in XX/XX/XXXX ; with no further association with the property. The surplus will have to be identified as to whom received it. An estimated balance may be due of {$6500.00} for the well but there are no evidence of actual costs. This property known as XXXX XXXX XXXX XXXX, VA XXXX is considered paid in full and belongs solely to XXXX XXXX XXXX as drafted on all historical documents since XXXX. Majority of sites indicate a well and septic currently cost in the year of XXXX, approximately $ XXXX {$4000.00} respectively. The {$15000.00} request made by Wells Fargo Home Mortgage by attorney or otherwise in XXXX was disputed in multiple courts including but not limited to the U.S. Bankruptcy Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) Credit acceptance coorparation has been notified of this injustice on my account and still refuses to take any action to right this wrong. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$260.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

On XX/XX/2023 I applied for a Sam 's club business credit card with Synchrony Bank.I thought the bank would use my small business XXXX and XXXX number to apply for the account. I thought providing my personal Social security number was just to verify my Identity, not have a hard credit inquiry done lowering my personal credit score. I was denied and my score was lowered significantly to below average. Now my score was lowered so much that my intentions of applying for a home loan is now in jeopardy.
Product: Debt collection

XXXX XXXX XXXX has been calling me nonstop, at least 3 times, EVERY SINGLE DAY!!! Whenever I answer the phone, they told me that they will garnish my wages, that they will take my tax income check, that they will report me to my county law enforcement, that they will take me to court and sue me for triple what I allegedly owe. I've told them to stop calling me. They won't listen.
Product: Vehicle loan or lease

I had a yamaha motorcycle financed through capitol one and I have paid faithfully for the past six years. I traded the motorcycle for a new XXXX XXXX back in XX/XX/XXXX. On XX/XX/XXXX the dealership I traded the motorcycle with mailed a pay off check in the amount of {$1200.00} to pay off the motorcycle loan with capitol one. On XX/XX/XXXX I checked my credit report as I usually do to monitor my activity and my credit report stated my credit score had dropped 85 points. I began investigating and it was due to capitol one charging extra fees because they stated they had not received any payoff info from the dealership back in XXXX and they stated I was now behind on payments. I contacted the dealership I traded the motorcycle with and the lender stated she had mailed a payoff check on XX/XX/XXXX to the payoff department address that the capitol one officer gave her. The said check also cleared the dealerships account on XX/XX/XXXX and was used by capitol one. Once I contacted Capitol One with this info they stated they could not locate the check anywhere from the dealership, and the last officer that handled my account told the dealership lender that the loan was paid in full. As of XX/XX/XXXX I had the dealership lender fax a check image of the front and back of the cleared check used to pay off the motorcycle loan to capitol ones research dept to XXXX and capitol one told me it would be 7 to 10 business days before they would have a resolution. I called today on XX/XX/XXXX and they said they never received the check image. I had the dealership lender send the images again to the same correct number that I verified with the capitol one officer. As of now they have yet to locate the check that was cleared on XX/XX/XXXX for check # XXXX {$1200.00} made payable to capitol one from XXXX XXXX XXXX in XXXX AL. Capitol one is still giving me the run around on something that they have clearly made a mistake on and I am currently having to deal with trying to get them to get this fixed when clearly they used the check that was meant for my account on the motorcycle, but for some reason cant located the check? I feel taken advantage of and I am basically being charged twice for the said motorcycle because it is included on the payback amount of my new blazer because it was a trade in and capitol one has yet to show the loan as paid off. This issue has damaged my credit score by 85 points and I need this fixed asap. Capitol one seems to be pushing me off and I explained we are going into another month and I do not need any more fees reported to my credit because of their mistake. 
My Capitol One case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after theyve already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

There are inquiries on my report I do not recognize.