23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to XXXX XXXX XXXX XXXX  and had insurance through XXXX XXXX XXXX XXXX and they still put {$3000.00} worth of debt of collections on me and it's affecting my credit score but I have had XXXX XXXX  The insurance is called XXXX XXXX XXXX XXXX XXXX have had it for over 15 years member ID XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX, I sent in separate dispute letters to XXXX, XXXX and Experian. In the month of XXXX, 2024, I made a call to Experian, XXXX and XXXX not only to opt out of these agencies, but to freeze my credit report also ( Due to prior disputes as well as inaccurate and additional unauthorized transactions reported on my reports ). I also spoke with each of them requesting reinvestigation and removal of all items that are not lawfully validated. I am not too good with how to post these letters I have but I can mail them in if you like me to. And I'm pretty sure you can pull my phone calls up with them, because I definitely made sure that they were recording. They all have sent me copies of my credit reports and I see that the XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX XXXX XXXX ( and inquiry ), XXXX XXXX XXXX, XXXX ( inquiry ), and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( inquiry ) still remaining on my reports without verification nor validation showing from any of them. On XX/XX/year>, I was hung up on by a guy named XXXX and had to call back. I then spoke with a lady named XXXX to dispute again. That confirmation number is XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), legal protection against inaccurate and/or unverified information reported to consumer 's reports is a MUST. Unverifiable accounts is hereby requested to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Sage Stream said they have lifted all freeze/fraud alerts on my account. 
XX/XX/XXXX - I sent a fax to lift all freeze/fraud alerts as well. 
I have called XX/XX/XXXX and XX/XX/XXXX to confirm and triple confirm that there are no longer any freeze/fraud alerts on my account. I was told there was no longer any freeze/fraud alerts. I applied to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and have been told on these 2 separate occasions there is still a freeze/fraud alert on my account. I have sent another fax effective Sunday, XX/XX/XXXX to get the freeze/fraud alert removed again. I want them to be held accountable for wasting hours of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would Equifax has not removed it so I am filing a complaint against both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are showing accounts on my credit report that don't belong to me.
Product: Debt collection

I have XXXX accounts with Jefferson capital for XXXX. i never had XXXX, nor inquire about an account with them. somehow Jefferson capital is showing up on my credit. i did no received a letter about the collection before it was sent on my credit
Product: Credit card

On XX/XX/XXXX, I was on the Capital One website and enrolled in CapitalOneShopping.com to start using my card for online purchases and receive a {$15.00} statement credit. Four days later, I realized that I received another email, the same day from Capital One, saying they were closing my account. I tried to call and speak to two different individuals who just told me " according to their policy and inactivity my account has been closed and can not be reinstated ''. This is my oldest account on my credit report, I just signed up for their program, and they close my account with no negative issues- ever.
Product: Credit reporting or other personal consumer reports

I have continuously contested the inaccuracies in the provided information with Experian and XXXX. Unfortunately, the matter remains unresolved up to the present time. 

Reporting in Experian : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX This account is in violation of 15 USC 1692e ( 8 ) - False and inaccurate credit information reported. 
XXXX. The following personal information is incorrect Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX This account is in violation of 15 USC 1692e ( 8 ) - False and inaccurate credit information reported. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

My card was used fraudulently in multiple places including XXXX XXXX and various towns and cities in NC between XX/XX/2023 and XX/XX/2023 while I was in XXXX NC. Bank of America also approved charges that I had made in XXXX, NC on dates where the card/account was also being used out of the mainland USA. Clearly, one can not be in two places at one time.

I have or can obtain : 1. email receipts from appointments in XXXX that occurred while the card was being used in XXXX XXXX 2. email communication with my physician as a result of a dog bite that occurred while the card was being used in XXXX XXXX 3. adoption papers for the dog I did choose during the timeframe in which the card was being used in XXXX XXXX 4. school attendance records for my children ( while the XXXX XXXX XXXX XXXX XXXX was on spring break during time frame that overlaps the card being used in XXXX XXXX, I was in XXXX and my children were in attendance at public school ). 
5. XXXX calendar printouts showing when I XXXX XXXX XXXX XXXX XXXX during the spring semester and scheduled meetings that overlap the timeframe during which the card was being used in XXXX XXXX as well as while the card was being used in towns and cities surrounding XXXX XXXX NC XXXX 
6. Affidavits from friends/family/colleagues/and students can be obtained indicating that we were not out of the country nor absent from our jobs and school during the time this card was used without our permission. 
7. I have downloaded and attached the transaction history from our debit cards showing our location during the timeframe in question. 

I found the fraud when I received my electronic statement and contacted them immediately. 

I have attached documentation that I was local and not on vacation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX  XXXX XXXX, XXXX - # XXXX I. XXXX XXXX, XXXX - # XXXX I. XXXX XXXX, XXXX - # XXXX XXXX XXXX XXXX - # XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

i did not get my personel items out of a repossed car on XXXX and i received no paper work the day they took the vehical. i do not care about the car they wanted it back three years after we filed medical bankruptcy so they can have it all i want are my personel items returned to me
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS IS REPORTING INACCURATE BALANCE OF XXXX. THE BALANCE WAS VERIFIED CORRECT ON XX/XX/23 THE CORECT BALANCE FOR ACCT XXXX IS XXXX. THIS IS A VIOLATION OF FCRA LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account name XXXX XXXX account # 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.
Product: Student loan

I applied for XXXX to Mohela this summer. They said 90 days to process and issue my refund check. It's now XXXX and they still haven't even calculated my qualifying payments! When i call to inquire, Mohela reps are clueless and provide no information at all besides to wait. One rep told me today that my account is in good standing, employers approved, but they won't look at it for processing until XXXX 2023!! 

So, they said 90 days and now they're saying a year?! I would like Mohela to calculate my qualifying payments and issue my refund check now. Thank you. It has been more than 90 days - they need to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Bayview ( now community loan ) took over the loan ( from chase ) they would not accept chases forbearance agreement. Even though this was provided to them and multiple conversations occurred. Bayview went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Synchrony Bank/Paypal Credit was supposed to be investigating my complaint. XXXX XXXX from the Office of the President left one message on my phone. I returned the phone call the following business day. She never returned my call. I called two more times, I believe, and left a message to return my call. No one ever called me back. Now they have closed the case citing I was not available. Part of my main complaint was how Paypal/Synchrony Bank does not contact customers who have complaints. This only goes to show that they do not care about a customer who has been scammed by a Merchant that ruined personal property. 
I still have the XXXX XXXX voicemail on my phone. I am willing to provide the details from that message if necessary. 

Refer to initial complaint # XXXX
Product: Credit reporting or other personal consumer reports

Car was paid off capital one never sent the title. I call rep stated it was mailed it never come. Also incorrect payment history on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Problem having with experian is reporting a account that has passed the statue of limitations meaning more than 7 year old account
Product: Checking or savings account

I disputed numerous duplicate charges on my account, they were supposed to investigate and instead they closed my account and sent me the following message. I need help getting the duplicate charges back from my checking account that they closed. 

Hello XXXX, Yes, I do apologize, it does appear that your account has been closed due to unusual activity and can not be reopened. We will attempt to return any funds that were deposited into your account to the originator. You will need to work with the originator to receive your funds. If the funds cant be returned they will be escheated to your state of residence upon reaching dormancy, which varies depending on the state and can take up to 3-5 years. 

For now, I will be closing your complaint. 

If you would like to reopen your complaint, you can do so simply by replying to this email with your complaint reference number and best contact information. Once I receive this from you, I will gladly reopen your complaint and reach out to you directly to discuss this further. 

Thank you for choosing MoneyLion! 


XXXX XXXX XXXX Customer Advocate | Escalations MoneyLion Customer Advocacy XXXX XXXX. XXXX XXXX, XXXX, UT XXXX
Product: Debt collection

The company XXXX XXXX has repeatedly called me on different phone numbers so every time that I block one phone number they call from a different phone number. I have already attempted to pay any debts with a debt consolidation and two of the companies refused any negotiation so I ended the debt consolidation.
Product: Debt collection

I recently checked my XXXX XXXX through XXXX and noticed I had a debt of over {$1000.00} from Rent Recovery Solutions. I was not notified that I could dispute the collection and I never received an email or written notice that I was in debt. 

I am not sure what I am being charged for as I have paid every month of rent.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I am not linked to the creditors listed.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me with an issues I am having with Kohls. I had a balance with of {$1900.00} on XX/XX/2021 at XXXX I call to settle on this amount. During the conversation I told them I wanted to settled on the {$1900.00} they first offer me {$1100.00} I said NO I wanted it at 50 % which was {$950.00}. She kept asking me if I wanted to do two payments and I said no I want to settle for the XXXX. She then put me on hold and came back and said " would you like to make the XXXX in two payments '' AGAIN I said NO one time payment of {$950.00}. She ask how I was gon na pay I said my bank card she took my card number and ran the payment. The payment was taking out my account on XX/XX/2021. On Tuesday XX/XX/2021 Kohls call me asking me for the remaining balance on my account which was {$960.00} I am really confuse at this point because this was settle for the {$950.00} a one time payment. 

Today XX/XX/2021 I call Kohls to see what is going on. OMG this is was a nightmare. Two hours on the phone and still nothing is settle. 
They are trying to tell me that I call them back and cancelled the the payment of XXXX at XXXX now mind you I call them at XXXX and was on the phone for over XXXX mintues so how Could I call and cancelled when they were running my payment around that time. I have the recording of this call on XX/XX/2021 at XXXX you can clearly here that it was a settlement and a one time payment. When I try to fix this Kohls they have been giving me the running around and all the keeps saying is that I call back and cancelled it. 

They wouldnt even let me talk to a supervisor so they could listen the recording to see that they are the ones that made a HUGE mistake. They need to fix this or I will do a charge back and they will get nothing..
Product: Credit reporting or other personal consumer reports

I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/24 an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues. 

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( 15 USC 1681eb.
Product: Credit reporting or other personal consumer reports

Reference Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for your prompt response to my concerns. I appreciate your willingness to address the matter and your request for additional information. In my complaint I have provided all necessary and lawful information required to dispute this account. Given the nature of data furnishing, it is your fiduciary responsibility to ensure the completeness and accuracy of the reported information. This obligation is also in accordance with the Fair Credit Reporting Act. Considering the inability to verify the information in question per your response stating I am unable to confirm your information at this time, it would be in violation of the law to continue reporting this data. The Fair Credit Reporting Act specifically addresses the verification and reporting of data, and in light of your acknowledgment of this issue, I urge you to promptly remove this information from all credit reporting agencies, including credit bureaus and any data reporters. '' As previously stated, the Fair Credit Reporting Act ( FCRA ) clearly outlines the necessity for accuracy and fairness in credit reporting. It is imperative that the information provided to the credit reporting agencies complies as indicated in 15 USC 1681b ( a ) ( 2 ). 



The accounts mentioned in my previous correspondence, specifically the XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, were included on my credit report without my written authorization, and per your admission, is unable to be validated constituting a violation of the FCRA. Given this information, I urge you to take immediate action to rectify this error and remove these inaccuracies from all credit reporting agencies and bureaus. 



I trust that your office will handle this matter with the necessary diligence and compliance with the laws outlined in the Fair Credit Reporting Act. Please provide me with written confirmation once the necessary steps have been taken to rectify this situation. 



I look forward to your prompt resolution of this matter. 



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

I am disputing the Bankruptcy that they are reporting on my report. I submitted letters to XXXX XXXX stating that the Ga Bankruptcy Courts are not reporting to the credit bureaus nor any reporting agency about the bankruptcy. 
They will not remove it. Even after numerous calls I have made to them. XXXX removed it when I mailed them the letter of proof from the bankruptcy courts, stating that they are not reporting any of my information to the credit agency.
Product: Mortgage

I have contacted Suntrust bank numerously since the beginning of XX/XX/2020 until XX/XX/2020 for mortgage receipts from payments from my origination date. They continuously told me to call the mortgage department but the mortgage department continuously told me to go to the bank where payments were made. I am only requesting a hard copy of my payment receipts with the payees name on them so that i can use them for another loan. They gave me the run around and then finally when i was at peaks end someone decides to help. She tried her best over the phone and even got in contact with the bank manager where the payments are made through and the manager agreed to do something. When we scheduled an appintment she accepted ownership but a bit too late and filed a paper so that we can get our needed receipts but to only call us the next day and tell us that they cant. I expected that. I have voice recording with the branch manager telling me she will order payment history with payee name on it but she couldnt come through with her promise. I lost the house i had an offer on due to the incompetency of the bank and tellers.