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

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and Experian at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX  points below Experian ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore XXXX not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.
Product: Money transfer, virtual currency, or money service

Claim # XXXX Date : XX/XX/XXXX Payment amount : {$660.00} check number : XXXX To : XXXX XXXX XXXX XXXX XXXX Payment amount : {$840.00} check number : XXXX To : XXXX XXXX XXXX Total : {$1500.00} XXXX, XXXX XXXX XXXX, holder of checking account number XXXX at Chase Bank, am the owner of an XXXX  company in XXXX, and that is why I made 2 payments for invoices referring to films distributed by my company in XXXX, one was to XXXX XXXX and the other to XXXX XXXX. I made these payments through my personal account, as I don't have a business account here in USA. 

On XX/XX/XXXX I made these 2 payments by ACH at Chase online bank, and payments were sent by XXXX ACH checks. In the end of XXXX I asked if they received the amounts and both XXXX and XXXX claim they have not received. I opened this claim on XX/XX/XXXX, and since then I have sent the requested forms by fax through the Chase branch near my home, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but every time I called them to confirm, I was informed that they didn't receive it. 

Them in XX/XX/XXXX, I sent by mail all the documentation I had regarding the XXXX payments. The track number is XXXX. 

I've sent them : - Copy of both checks, which does not show the recipient of the amount, note that XXXX does not even have a XXXX XXXX account. 
- Copy of the e-mail, where the recipients claim not to have received the checks.

- Copy of the Wire Transfers, which I had to make the payment again.

- Copy of invoices. 

I followed the tracking and after seeing that the documentation arrived there, I called to confirm. Chase said it received it and would review and send a response. 

On XX/XX/XXXX I receive a letter saying that they could not recover my funds and that they were closing my claim again. 

I kindly ask you to review the case with the Chase, with all the evidence sent. If it was these companies that deposited the checks, I want proof that really proves it, so that I can recover the amount I overpaid. In the proof of payment provided on the Chase website, it is not clear and does not even mention the name of the account holder from whom these amounts were received. 

All I am asking is a clarification, and if the check takers weren't who they were meant to be, I want my money back. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the car dealership applying for a car and they pulling my credit report over 20 times XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX 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

Greetings! 

Due to a job loss last year, and struggling to find employment, I fell behind on my mortgage with XXXX, never getting more than two months in arreages. On the XXXX of XXXX, XXXX, I attempted to make a payment to XXXX via my XXXX XXXX account, only to receive a message that the payment was declined. I called XXXX and was informed that my loan was now being processed by BayView out of Florida. XXXX emailed me a copy of the Goodbye Letter, and gave me the phone number for Bayview. I called them and spoke to XXXX ( spelling..? ) who told me that my payments were still due at the same time, the interest rates had not changed, and that I had 60-days to make the first payment to them. I expressed my relief as I had also been without transportation since the previous XX/XX/XXXXand currently walk to work ( an hour to, and an hour from ) each day that I am scheduled and could put the funds on hand towards repairs on my vehicle. After the beginning of XX/XX/XXXX, I began receiving notices on my door from BayView, and then a letter stating that unless I paid $ 1700+ by the XX/XX/XXXX, they would foreclose on my home. I was baffled and in disbelief! BayView were assigned the mortgage the XX/XX/XXXX, and the letter from XXXX stated the 60-day window for initial payment. BayView has NOT honored that 60-day window, instead, cutting it down to thirty-days. ( ***Note : I have XXXX XXXX XXXX XXXX XXXX with XXXX  ; Chase was well aware of this as it was in the refinance documents I had submitted to them in XX/XX/XXXX. At this time, I am a single mother, working part-time at XXXX XXXX - hours are seasonal at best - taking care of my youngest daughter who is enrolled in online public schooling. My financial resources are limited as I can not find other employment until my vehicle is repaired. *** )
Product: Payday loan, title loan, or personal loan

Hello- Our house had a sewer breakage. We had a plumber repair the damage and recommended a financing option- GreenSky. He said we could pay it over 12 months with ZERO interest. We proceeded and got the loan. 
I have proof that I have been trying to make payments. 
1 ) First payment XX/XX/21. Then it was FAILED and returned to me on XX/XX/XXXX. 
2 ) 2nd time- XX/XX/21. I called this time and explained. Then on XX/XX/21 FAILED and returned to me. Specifically I called and talked to a teller who promised she would process payment. 

This company is fraudulent and rejecting payments to charge interest. I will also file a complaint with the XXXX  but I think one should investigate this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

Your company is in violation, you have caused me pain and suffering due to mistreatment and discrimination. All accounts closed, charge off, late payments need to be deleted immediately. You are now under Federal Law.

15 U.S. Code 1691 - Scope of prohibition 1026.23 Right of rescission.

15 U.S. Code 1692g - Validation of debts 12 CFR 226.4 - Finance charge.

15 U.S Code 1692e- False or Misleading Representations Termination of Collection Action, Write-off and Close-out/Cancellation of Indebtedness
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint about my credit cards and nothing was done I applied for a mortgage recently which was the end of XXXX and was denied and the credit cards were the main focus and an old delinquent charge that was bought by another company portfolio this account was open back in XXXX and so another company bought it and it's still haunting me that's not fair and I pay my bills on time.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Debt Collector- Hunter Warfield INC Original creditor name - XXXX XXXX . 
The complaint is about not oweing that company {$3700.00}. 
The problem I am having is I tried to lease an apartment from the original creditor and the place was really bad. I did not move in to the apartment. The first day I was suppose to move in I told them this is not safe for me and my family and I did not even touch the apartment. They called me harassed me and told me I owe them thousands of dollars even though I did not move in. I tried to talk to them but the person I was talking to was yelling and cursing and they put it on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CRDT SYS INC is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020
Product: Debt collection

Sun Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card or prepaid card

The Capital One Customer Advocacy Office replied to the XXXX XXXX XXXX Complaint on XX/XX/23 by asking me for my new contact information after calling me earlier in the day from my new cell number to bypass the XXXX 

Told the Rep to reply to the XXXX, instead of trying to bypass the complaint process and now we're right back to claiming that they do not have my new cell # on-file by sending emails to update the acct. 

They are purposely denying the new card and mailing it to the prior address on purpose at this point for it to be compromised. 

This is also starting to look like Harassment/Discrimination which if not resolved w/this process, then it'll be forwarded to an consumer attorney or the New York State Attorney General XXXXs Office XXXX
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Charge-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charge-off account from my credit report. As outlined by the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and must be removed from consumer reports. The reporting of charge-off accounts is prohibited, as income is not to be included on a consumer report under the Fair Credit Reporting Act ( FCRA ). 
According to the IRS guidelines, charge-offs are considered income, and it is clear that the reporting of this account violates the provisions of the FCRA. Given that income is not to be reported on consumer credit reports, I respectfully request that this charge-off account be removed from my report. 
I kindly ask for your prompt attention to this matter and the removal of this inaccurate information from my credit file. 
Thank you for your cooperation. I look forward to your timely response and confirmation that this charge-off account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy : Bankruptcy XXXX XXXX XXXX
Product: Debt collection

Fair Collections & Outsourcing ( FCO ) is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX, & XXXX. Fair Collections & Outsourcing does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. 

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration with the ongoing presence of fraudulent items on my credit report, despite many attempts, I would like to follow up to have them removed. This persistent issue severely affects my financial standing and undermines my credibility as a consumer. 

Despite providing thorough documentation and evidence proving the fraudulent nature of these items, they continue to tarnish my credit history. 

It is crucial that immediate action is taken to rectify this matter. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite repeated requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit card or prepaid card

In 2012 a credit card was applied and enrolled for me by Bank of America without my knowledge. I became aware of the credit card when I received it in the USP mail. Over the years I was charged extremely high interest rate fees. I have also been receiving unjustified fees for " cash withdrawals '' for the total account balance which is in the thousands. I never made cash withdrawals for thousands of dollars from the credit card. Over the years I contacted BOA many times to clarify that I did not receive cash withdrawals for the full account balance. Couldn't understand why I was being charged for these exorbitant fees. Each time I called I was told by the BOA customer representative that I needed to pay these extremely high fees or my account would be sent to collections. So over the many years I have continued to pay these exorbitant fees with no end in site to pay off this falsified credit card. I have in good attempted to pay my credit debt and have been financially indebted to BOA since 2012. I am seeking resolution to the never ending exorbitant fees.
Product: Credit reporting or other personal consumer reports

At this point, I have no other recourse but to request assistance from your office, because Portfolio Recovery Associate ( PRA ) has not been responsive to multiple requests I sent them to remove their collection account from my reports due to it being long pass its statute of limitation. 

On pages XXXX through XXXX of your Consent Order, XXXX, you found that : Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence on Sale Files whose accuracy PRA has reason to doubt, investigate consumer disputes, or prove its case in contested litigation. 
Limitations on the availability of account-level documents in PRA 's contracts included : a. notifying PRA that supporting documents may only be available for a percentage of the accounts, but not identifying which accounts lacked documentation ; b. charging PRA a fee for each supporting document it requested ; c. increasing the per-document fee after PRA requests a certain percentage of documents from that Debt Portfolio or requests documents after a certain date ( e.g., {$1.00} per document after year one, {$5.00} per document after year two ) ; or d. prohibiting PRA from contacting the original creditor for information or supporting documents. 
On XX/XX/year>, PRA received my certified mail questioning the legality of their continued reporting of an alleged debt I owe XXXX to the 3 major credit reporting agencies : XXXX, XXXX and XXXX. 
I specifically asked they : a. Provide date of first delinquency from the original debt owner.

b. Prove the Statute of Limitations has not expired on this debt. 

As of XXXXXXXX XXXX, they have proven you right : I have not received an answer from PRA- They have failed to provide the information requested, despite warning them that they may be in violation of Section 623 ( a ) ( 1 ) ( B ) : Duties After Notice of Dispute from Consumer, if they did not provide the information requested ; They have also failed to permanently remove erroneous information from my reports, as I asked them to do if they were unable to provide the above requested information. 
Therefore, I am asking the CFPB to demand of PRA that all references to this debt be deleted and completely removed from my credit reports and a copy of such deletion request be sent to me immediately.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is no reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. Bankruptcy chapter XXXX Reference # XXXX XX/XX/year>
Product: Mortgage

we are trying to add XXXX  as a mortgage/lender and we have called email and faxed over the information but no one seems to know whats going on.
Product: Student loan

I am in the process of completing my PSLF for my student loans. XX/XX/year> I made my 120 payment and I completed my PSLF form. It was rejected. The response I was given was that I have only paid 119 of my 120 payments. I called Mohela to see what was going on. They proceed to blame the Federal Government and offered no help to get my payment count fixed. They told me to continue to pay my loan. I paid XXXX and still my account at StudentAid states I am at payment 119. Mohela has not sent the updated payments to StudentAid since XXXX. Everytime I try and contact Mohela I am on hold for over 3 hours. I am never given a timetable to when my issue will be handled. It is currently XX/XX/XXXX and I have been sent a bill to pay Mohela for XXXX. This would make payment 122. I can not get ahold of anyone at Mohela about correcting their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00}.