23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Americollect is trying to collect a debt that is passed the Wisconsin statute of limitations. They are also reporting into my credit agencies showing that I owe the entire balance and it is negatively impacting my score there may also be duplicates of the same account on my credit score. I think this is manipulative business practices and they should be investigated and prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau is possibly reporting incorrect information being reflected on my credit file/ credit report in regard to my personal credit score. XXXX XXXX reported on XX/XX/2019 that I opened a credit card account, which increased my credit score on both XXXX by 23 points & XXXX bureau credit report by 15 points, however the same reported account with Equifax decreased my account credit score by 35 points. This is unfair because the account is not derogatory it is exactly the same as reported for the other credit bureaus. This XXXX XXXX card is designed to build credit with credit bureaus. I have proof of the changes reflected by all 3 credit bureaus however it will not allow me to attach to this complaint.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX 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 {$330.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed.

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
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. 

Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

My info was exposed in a data breach by multiple companies.
Product: Debt collection

On XX/XX/2020 I reached out to Enhanced Recovery Company through mailing them a letter about an erroneous debt on my credit report. I simply asked the company for the original instrument of indebtedness and they have not replied. on XX/XX/2020 I tried to reach out again via certified mail to request the same thing and I was not contacted in return. On XX/XX/2020 I notified them that it has been 30 days since I reached out and according to FTC federal law, if a company doesn't try to contact or workout their claim within the 30 day period they must remove it from the consumer 's credit report. I notified them that it has been more than 30 days since I reached out, but there still was no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Equifax in reference to a 60/90 late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Equifax to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Equifax accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 60/90 days late. Im requesting Equifax to validate claims with supporting documents. Not verify name, address, and social security #. What im requesting of Equifax can't completed with a teletype.
Product: Credit reporting or other personal consumer reports

I attempted to contact TransUnion to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from TransUnion, leaving the issue unresolved and continuing to impact me unfairly.
Product: Checking or savings account

I signed of the the virtual wallet performance select account with PNC bank on or around XXXX of 2023. They advertised a bonus of {$400.00} dollars of account opening with direct deposits of XXXX of more. I met this minimum amount but they did not credit my account for the promotion as advertised. When I called to try to address this, they refused to fix the issue. They claimed I opened only the basic account, however, some error on their website may have caused this. I met all the requirements for the promotion but they refuse to honor it. This is false advertising and fraud.
Product: Debt collection

The department of education sent me a notice on XX/XX/19 that my wages will be garnished because I didn't respond to a letter I never received. I called them and was forwarded to the collection agency Pioneer Credit who was too busy to help me today and might take 3 days to call back. I already can't pay my bills I can't have money taken out of my checks or I'll be homeless.
Product: Debt collection

In accordance with the Fair Credit Reporting act. XXXX XXXX Bank has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. I do not have an account with XXXX or have I signed any documents for this company to utilize my personal information or to harass me through phone calls and threaten letter to collect an debt that I do not owe. This company hasn't validated any information and not only that XXXX and XXXX XXXX are reporting twice on my credit report and damaging my character with double Jeopardy information. 15 USC 1692d states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 USC 1692k {$1000.00} COMPENSATION - Financial Restoration 15 USC 1692c,15 USC 1605 ( a ) please remove this immediately from my report. FDCPA 807 ( 8 ) 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681 section 602 A. 
This account is involved in litigation. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715, 719, i may presume that no proof of the alleged debt, Nor therefore any such debt, in fact Exists. 

Credit Corp solutionXXXX XXXX XXXX  XXXX XXXX and FDCPA rules below : FDCPA 807 ( 8 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section2.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX File Number # XXXX i had disputed is account with XXXX /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask XXXX politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRES : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Spoke with my spouse without prior consent and I live in the state of Georgia which prohibits that
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, XXXX, AD Astra Recovery Services, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXXXXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLexisNexis.com CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy XXXX XXXX XXXX The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. Again, I would like this information removed from your system ASAP and once it's removed, I would also like a copy of my report confirming its removal. I would also like you to report this removal to XXXX, XXXX, and XXXX since you have provided them with the negative information to begin with.
Product: Mortgage

My escrow anylist get done on XX/XX/26 as state mandated. And my new payment will start on XXXX every year. This year my mortgage company Mr cooper made a mistake on my escrow they doubled charged me for home owners insurance. So I called and ask them to correct the mistake. And I did paid shortage so my monthly payment wouldnt go higher. They did run new escrow but started my new payment from XXXX. It should be starting from XXXX. So called multiple times every time they said nothing to worry we will fixing it before the payment is due. And if not fixed they will credit me the difference. But now after paying the payment they refused to do anything. So I would like to file a complaint. Mr cooper XXXX.
Product: Debt collection

XXXX XXXX COMPLIANCE DISPUTE XXXX Data Furnisher : XXXX  XXXX  # XXXX. XXXX Date Opened : MISSING : XXXX Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed XXXX of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET XXXX XXXX compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about your consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were done fradulently without my approval. I did not sign anything to allow these hard inquries to be ran and I want them removed from my credit report ASAP : XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Amex XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Amex XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$86.00} 2.penn credit corporation XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX amount {$730.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount {$100.00}
Product: Mortgage

I received a notice of XXXX XXXX XXXX dated XXXX/XXXX/16 from Shellpoint Mortgage Servicing. It is impossible for my policy to lapse because the my lender pays the insurance out of escrow and I never called to the cancel the insurance nor did I receive a notice of non-renewal from the insurance Company. On XXXX/XXXX/16 I called my Insurance agent to verify that our coverage had been maintained without gaps. My Insurance agent was not surprised that I was experiencing this sort of problem with Shellpoint, my agent has heard similar complaints from other customers about Shellpoint. I called Shellpoints insurance Department on XXXX/XXXX/16 and spoke to XXXX. XXXX looked at the information they had on file and could not find a lapse in coverage. She could not provide an explanation for why I ever received this letter.
Product: Credit card

I am writing to express my concern and frustration regarding the recent closure of my BJ 's One Mastercard and the confusion surrounding my identity verification. 

On XX/XX/2024, I received a letter stating my autopay was canceled due to a status change with my credit card account. Upon logging into the Capital One website, I discovered the account was closed, while my checking account remained active. I immediately called the XXXX number for the Capital One BJ 's credit card and learned I had been sent a letter requesting identity verificationa process I had already completed for my Capital One checking account. 

This caused considerable confusion. When logging in, the website displays all my Capital One accounts, leading me to believe verifying my information once would suffice for all accounts. I was unaware Capital One has separate banking and credit card divisions, and nowhere on the website mentions needing separate verification for each. This lack of clarity led to me unintentionally neglecting the credit card verification. 

I understand my responsibility to verify my identity upon request. However, the combined online platform and lack of clear communication regarding separate verification processes for different Capital One divisions resulted in this misunderstanding and the unfortunate closure of my credit card. 

This closure has negatively impacted my overall credit limit by {$12000.00}, potentially affecting my credit score. I have filed a complaint with a supervisor ( case # XXXX ) and requested a prompt resolution to reopen my credit card account and address this issue. 

Furthermore, the online customer service portal is currently inaccessible for my checking account due to my " restricted account '' status, further hindering my ability to manage my finances.