23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/X/2017 Amount : {$170.00} Action Taken : Made payment to XXXX and advised by XXXX Representative the account would be removed from credit report. Stellar Recovery refuses to remove the account as promised by XXXX. 


There was a collection item on my credit report from XXXX that I was not aware of. I did the online chat with XXXX and the representative from XXXX told me if I paid the account in full they would remove the item from my credit report. I called Stellar Recovery to let them know that I paid the account and to let them know XXXX confirmed with me that the account would be removed. The representative from Stellar Recovery told me she would not remove the account from my credit. I told her I had the transcript of my conversation with XXXX along with the confirmation that I paid and she continued to let me know the account would not be removed. When talking to the XXXX representative he confirmed with me more than one time that this account would removed from my credit report. I do not have what else I can do as I was told by the representative that it would be removed. I have a copy of the transcript and confirmation of the payment if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff has been reporting me delinquent and harassing me about an overdue credit balance even after I have paid off the account in full. 
I also had my autopay removed by them in XXXX which caused my account to default for XXXX $ which resulted in me paying the entire account off to avoid them harming my credit profile. This is very unprofessional. They are inconsistent with their reporting to XXXX and they continue to send me emails and text stating I am delinquent even though I have no account with them any longer.
Product: Credit card or prepaid card

I went to get gas yesterday with my XXXX card ending in XXXX. I was told that I could not make the purchase and I had to call the number on the card to find out why. 
Today I called XXXX Customer service at XXXX. First they could not find my account. Then they told me I hd the wrong account my account ended in XXXX not XXXX. I was then told that the reason that I could no longer make purchases was because I am due for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments in the amount of XXXX. ( its not even XX/XX/XXXX yet? ).  I asked him when was the last payment sent he said sometime in XX/XX/XXXX they received XXXX. I checked with my bank while on the phone with XXXX and found that a payment in the amount of XXXX was sent on XX/XX/2018 and received by XXXX on XX/XX/2018. I was told I needed to fax proof of that payment in. I said ok give me the fax number. The Representative would not give me the fax number and said my call needed to be transferred to a different department. 
I was switched to a gentleman that identified himself as XXXX XXXX # XXXX. I told him what happened and that I needed the fax number to show proof of payment. He said that as far as he was concerned that was not necessary as XXXX never received the payment on XX/XX/2018. I was told I needed to call my bank XXXX XXXX and they would have to handle it. He then went on to say I would have to pay the money. I told him to close my account. All this sounded strange so I called XXXX XXXX XXXX My Bank the payer and spoke to XXXX she told me that that was not the case the money had been paid to XXXX and I needed to take it up with them. So now I am am writing you the CFPB. I need to find out what happened to the XXXX that was taken out of my account and sent to XXXX and why XXXX never applied the payment. Please Help me resolve this issue. 
See attached my XXXX card and my proof of payment to them from XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX. One of my areas of practice ( XXXX  ) has lost clients due to the XXXX XXXX on LEGAL XXXX. I called Chase by phone on or about XX/XX/2018 to let them know I was experiencing financial problems due to this situation. I was told by a Chase rep by phone that the credit card is a business account and a lateness would NOT appear on my personal report. I made a late payment in XX/XX/XXXX and XX/XX/2018. I called Chase credit reporting dept when i discovered my credit report showed a delinquent status. They stated that they reviewed the " call '' disputed my statement. I have been licensed to practice XXXX  for 17 years and I have a reputation for truth telling and have not been convicted or charged with any crime or act dealing with untruths. I have no reason to not tell the truth about this matter. Chase Bank is being dishonest. I request that my late status be deleted from all 3 credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX  audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

A few weeks ago I looked at my credit report. It said I had 5 negative marks all from Rash-Curtis and associates, 1 was for XXXX XXXX XXXX 2 from XXXX XXXX XXXX and 2 from some company called same-day heating plumbing and air conditioning which I had never heard of. I contacted rash Curtis and associates about the same day heating plumbing and air-conditioning. Which was approximately two debits of {$700.00} each. When I asked for the information about this company they refused to give it to me and said they were going to request it from their higher level dept. and that they would get back to me shortly. They did not respond. At the same time I submitted a dispute with XXXX XXXX to try and expedite this situation. I am waiting for the letter from XXXX XXXX that has all the information about the dispute. I can send you a copy when I receive it. Which will prove that they have somehow falsified information. Today I went on to the XXXX XXXX website to check the status of the dispute and to my surprise found that the same-day plumbing heating and air conditioning name had been removed and two NEW debts had appeared from the XXXX XXXX XXXX for the exact same amounts as the two debits from the same day plumbing heating and air conditioning company. Then I called XXXX XXXX and they said that The dispute ended in the favor of Rash Curtis and associates. Because their information was believed to be correct! I am currently waiting for a call back from XXXX/XXXX  wellness center to provide the correct amount owed and the correct number of debts Owed. Furthermore I have not received one letter From Rash Curtis and associates prior to a few weeks ago. After my communication with them regarding this issue! So I dont believe I should have to pay for added costs because they did not notify me appropriately. My address has been posted on XXXX XXXX, XXXX, and XXXX  for more than 20 years! And when I was on the phone with them they did a credit check without my permission and took my credit score down. This is very suspicious behavior, and I believe that Rash Curtis and associates needs to be held accountable for it!!! This misrepresentation has caused a lot of damage and confusion, with credit companies and makes me look like I dont pay my bills, which isnt true!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( Experian, XXXX, XXXX ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2021 to have equafax remove a fraud alert that I did not request off my credit report. Since I have filled my complaint they have now placed another fraud alert on my credit report and stated they have forwarded it to XXXX, and XXXX. Ii did not ask for this and want it removed and for them to leave me alone. I WANT THE FRAUD ALERT REMOVED ASAP THIS IS RIUENING MY LIFE AND I CAN NOT GET CREDIT BECAUSE OF THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 2 months ago ( XXXX XXXX XXXX  ) I wrote a letter to Equifax advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00}. ( XXXX XXXX XXXX ) In addition, by law medical bills under {$500.00} should not be reported to the credit reports. 
I have not heard back from them nor have they removed anything from my reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, XXXX and XXXX XXXX consists of : - XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened On : XX/XX/XXXX These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX XXXX below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws XXXX  Fraud Affidavit XXXX  of US Issued ID ( XXXX of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various request for Trans Union to remove fraudulent inquiries from my credit report. I have supplied all identity theft documentation requested and these fraudulent inquiries have not been removed. My most recent request was made XX/XX/2022. Its now been 5 weeks and there has been no change or even notification of dispute or request for this information to be blocked. 
Section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) states that I can request fraudulent information be blocked from my credit file within 4 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, SYNCB/ Care Credit Account Number XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX  XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX
Product: Checking or savings account

Since the end of XXXX of XXXX I have been calling about my account being frozen and getting nowhere and no information about my account in XXXX of XXXX I was advised my account was being closed as of today XX/XX/XXXX they have no information still to give me regarding a closure of my account they just hang up in my face and once again I get nowhere regarding this case
Product: Vehicle loan or lease

I called the company a week ago requesting a 1099c form and never received it.i am requesting to make sure company has done a tax right off.
Product: Credit reporting or other personal consumer reports

My credit repair specialist has sent in multiple documents to Experian, XXXX, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and The XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of Experian, XXXX and XXXX about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all 3 companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXXXXXX XXXX XXXXXXXX, Virginia, XXXX ( THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : 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 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 XXXX
Product: Debt collection

I have on numerous occasions since my Capital One card was closed due to fraudulent activity tried to reach out and work with their fraud department. Either directly or with multiple fraud department contacts in particular listed below. 

XXXX capital one XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX But after being either hung up on or leave messages to the fraud contacts above with no call back or follow up. The initial credit limit on this card was for {$10000.00} but the total shown now of {$19000.00} is inaccurate due to previous fraud. I would like this to be removed from my credit records.
Product: Mortgage

Our father had his mortgage loan through Mr. Cooper. He passed away in XXXX of XXXX. Once my brother and I got a hold of Mr. Cooper at the end of XX/XX/XXXX, we have made continued efforts to move forward with a loan modification. At the time of our father 's death, he was behind $ XXXX but he had the home under COVID forbearance since XXXX. We were told by Mr. Cooper that to move forward with the loan modification we need to remove the COVID Forbearance. They told my brother and I that if the loan modification did not go through that we could put the loan back on COVID forbearance which was not the case. During this time Mr. Cooper would not allow us to make any payments toward the past due amount. My brother and I continued daily to reach out to Mr. Cooper. From XX/XX/XXXX Mr. Cooper suffered a huge data breach and we were unable to contact the company for a month. 

Mr. Cooper was extremely difficult to get a hold of. When we would contact the office there appeared to be no information regarding, and we had to explain the entire situation over. Mr. Cooper has requested I send in the same information over XXXX times since we started this process in XX/XX/XXXX through XXXX of XXXX. On the last time I submitted documents in XXXX XXXX, I received a call 2 days later. I missed this call but the company did not seem to know what we actually needed to submit to get the correct documentation needed to move forward with the process. 

We were directed to not go through probate because all the beneficiaries were in agreement. When we started this process at the end of XX/XX/XXXX, we asked if there was any mortgage relief. Which our mother had mentioned prior to her passing back in XXXX. 

Dealing with Mr. Cooper has been extremely disappointing, especially during this difficult time. I would not normally move forward with filing a complaint but there is something going on. My brother and I are concerned about the way Mr. Cooper is handling this process. 

We would be happy to provide any other information needed to investigate this situation further. 

Thank you for your time and have a wonderful week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. XXXX  employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




Closed 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy.

*15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

*15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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.