23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ABOUT 10 YEARS AGO, I contacted a camp ground membership and asked how to end my membership ; I followed their instructions and was told that my membership was terminated. I did n't expect any problems and accepted their word for it. 

About 5 years later, this collection company started calling me numerous times a day, every day. I told them I do not owe this debt. They have persisted for a number of years. 

Recently, NEARLY 10 YEARS LATER ( AFTER STATUE OF LIMITATIONS HAVE EXPIRED ) they had it put on my credit report ( in 2015 ). 

It is not a legitimate debt! 
The statute of limitations expired years ago! 
And it was illegal for them to attach it to my credit!
Product: Debt collection

I've noticed that there was a debt with Afterpay under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXXXXXX XXXX XXXX regulations, I demand that this above mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectifying of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX, Reported : XX/XX/2020 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong.

I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account Number:XXXX. Verification : 'Cancel contract. please provide the original contract or delete! 


In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

FCRA viloations not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$9400.00} written off. {$9400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
was never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Open. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family not my number ( XXXX ) XXXX Residential never worked here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX not my 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
IRS defines a charge off as Gross or Ordinary Income. 
Income does not get reported on a consumer report.
Product: Vehicle loan or lease

For my monthly bill in XXXX, the payment app was down again along with website, so I had to call and make my payment. I have made every payment on time for roughly 3 years, paying more than agreed. 

The payment came out of my checking account on XX/XX/2023 Citizens Bank NA Phone paytel {$170.00} is on my bank statement. Which I have photo evidence of. 

I received a late notice a week later, saying the payment was not made. 

I called on XX/XX/XXXX and they had told me the payment went into the wrong account and would be reviewed by a superior. They told me to call back in XXXX business days. 
I did call again and was handed off to several associates several times, spending an hour each time waiting for good news. The amount of times I have called this company is almost in the double digits. Each time, giving several people the same information over and over again until tears start flowing. 

Citizens keep requesting that I call again in 3 days which I have done for XXXX weeks. Spending a lot of time getting transferred to different associates or being on hold. The conclusion is the same each time, call us again sometime in the future and we will have you wait for nothing while we ruin your credit score.

I am concerned that my requests to have this as a " late payment submitted in error '' to the credit agencies are not being followed through with. This is not my mistake and should not affect my credit in any negative way. 

I appreciate having this option to file a complaint because I have had no luck and nobody to turn to for help. 

Case Number XXXX
Product: Credit reporting

i was unable to get my credit report from XXXX it was with equfiax in which it lead me to the Equifax website. At that time i had to purchase the Equifax products in which the company was automatically taking funds in the amount of around XXXX out of my account each month without my consent. I contacted the company to stop the transaction but they continued to withdraw money for about 6 months. That happened XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I tried " XXXX again, in which Equifax denied me again and i had to purchase the products of getting my credit report and score in which i was charged again but this time XXXX for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal financial information to be stolen because they were negligent in securing this sensitive information.
Product: Credit reporting or other personal consumer reports

Requesting to remove hard Inquiry on my report THAT WAS NOT AUTHORIZED BY ME. THIS IS FRAUD MERCHANTS CB Credit Bureau Inquiries XX/XX/year> XXXX I have called this company Merchants CB and they have no records on file reflecting this request. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

Thank you
Product: Checking or savings account

I opened a checking account with Bank of America in XXXX, 2018. On XX/XX/2018 I deposit a check into my BOA account written out to me from my XXXX XXXX XXXX financial Aid Loan Account. The next day Bank of America close my checking account and told me that it was close for suspected fraud and the check had bounced. I reached out to my other bank and was told that the account was fine need to call Bank of America back and the problem was on their end. I was immediately forwarded over to the risk department and was told that Bank of America reserves the right to not disclose any information and they can close any account whenever they want and they can choose whom they want to conduct business with. Anyways my account was positive when they close my account and I received a refund check to my address. However, Bank of America reported me and my account as suspected fraud to XXXX when I contacted them any times I was never able to get an answer right now I am having a hard time opening up a bank account because of this. There was no fraud conducted on my end I know outstanding balance was owed to Bank of America. I contacted him many times and could never get an answer or a letter of satisfaction. Please help
Product: Debt collection

Over the last few months, since XX/XX/XXXX of 2017, I 've been trying to settle my debt with Valley Credit Service out of XXXX, Or. I 've tried calling a few times and the time that I finally got someone on the phone, they said they had already taken action to sue me for my debt, without giving me a chance to work with them. They then demanded I pay it off to stop legal action. I have never received any written notice for my debt. I was never served a summons to appear. I do n't have anything on paper telling me what my debt is and how much. 
I am now getting letters from lawyers wanting to represent me on my case, even though I have not been aware of any case against me. I have emailed them 3 times and called 3 times and have not gotten a response. I 've even talked to the bank that gave my debt to valley credit. The bank called them as well. 

Would like to know what I can do now about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 


Account name : XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

i did not give anyone written consent. 

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. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  : case number XXXX Made a complaint to the federal trade commission ( FTC ) : XXXX
Product: Credit card

I went through a very difficult period in my life personally and professionally that caused me to get behind on a number of my payment obligations. I have contacted Discover to try and resolve the matter and was told to contact the collection agency ( XXXX  ) they had hired to handle my account. I contacted the agency and they told me they were unable to negotiate on Discover 's behalf and that I would need to talk to Discover. I again called Discover only to be told they would not help and any negotiation would have to go through the collection agency. Upon again contacting the collection agency ( XXXX ) I was told in no uncertain terms that any and all negotiations would have to be done with Discover. Discover is unwilling to discuss my situation or hear me out on any negotiation or attempts to resolve this issue. I am hoping you are able to help and my credit has been crippled and my ability to simply move forward with my life has been hindered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dovenmuehle the loan servicer for me and my wife 's mortgage is not reporting the mortgage to our XXXX credit report. Information is missing. The loan was previously reporting, but it was incorrectly reporting. Now the information is not reporting at all.
Product: Student loan

I consolidated my student loans in XX/XX/XXXX with the US Department of Education. On XX/XX/XXXX, I received an account statement indicating that my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement from XXXX XXXX my servicing company, indicating my first payment of {$190.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I made my first payment to XXXX XXXX of {$190.00} and established an EFT draft to save on interest. As a result of this EFT draft, I paid the following amounts to XXXX XXXX for my student loans : XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$110.00} After submission of my Employment Certification Form, I received an updated number of qualifying payments which led to a call to my current servicing company, Fed Loan Servicing. On XX/XX/XXXX, I was notified that my account was in forbearance from XX/XX/XXXX until XX/XX/XXXX. Upon their suggestion, I uploaded the statements received which don't indicate forbearance. I have called several times for an update on the status of the payments. In XX/XX/XXXX, I submitted my application for forgiveness but was denied because records indicate I have only made 117 qualifying payments. I was told that submitting my application would fast track my review as it had already been approximately six months with no clarity. In XX/XX/XXXX, I have called to check the status of said payments and they are still under review. I have contacted Federal Student Aid, and Dept. of Ed with no success.
Product: Student loan

On or about XX/XX/2021, I inquired via FedLoan Servicing Chat feature how to have my payment applied to a certain student loan that I wished to target. I was told to include the loan number and disbursement date in the memo line of the check. 

On or about XX/XX/2021, I sent a check via my financial institution to FedLoan Servicing to pay a specific loan with the loan number and disbursement date in the memo line of the check. That check cleared on XX/XX/2021 as reflected on my bank statement and FedLoan Servicing 's Payment History. I checked the electronic image on my bank account and identified the memo line did, indeed, include the loan number and disbursement date. 

I realized on XX/XX/2021 that the check was inappropriately applied to all loans and contacted FedLoan Servicing via the chat feature. I was informed I would need to call in to have my payment reapplied that that I can not target specific loans via mailed-in payments. 

I called on XX/XX/2021 to have the check reapplied and was again told I would need to call in each and every time I sent a payment to have the check target a specific payment. I informed the servicer that their website reads : " The easiest way to target your payments is to pay online. However, if you want to have all of your future extra funds applied in the same way, you can write to us and provide standing instructions [ ... ] You will need to specify how you want your extra funds applied to your individual loans, and you'll need to identify your loans by disbursement date and loan type ( which you can find in Account Access ). We can help you through this process if you contact us [ ... ] '' https : //accountaccess.myfedloan.org/contactUs/index.cfm I again asked for clarification that I CAN NOT send a check and have it applied to specific payments and was told not unless I call in after each check clears to have it reversed and reapplied. The servicer attempted to walk me through the online application system to have it ACH 'd from my account, which I have no interest in doing for extra payments. 

I informed the servicer I would be escalating this to the CFPB and advised they escalate the call to their immediate supervisor. The customer service representative stated he would note this call on my account. 

I have since provided an email through their platform using the CFPB sample template, but still feel I received inadequate information, false/misleading information, and that my payments were inappropriately applied. FedLoan Servicing has no incentive to honor consumer requests as students can not refinance their loan for better interest rates or, if they do, risk loosing federal-loan benefits. FedLoan Servicing is exploiting this loophole to provide poor customer service and inadequate application of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all inaccurate information and inquires FCRA VIOLATIONS Remove wrong names, employers, address, phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLYING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX GAMERCO, NM XXXX SINGLE FAMILY XXXX XXXX XXXX GAMERCO XXXX NM XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX GRANITE XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX GAMERCO, NM XXXX SINGLE FAMILY ***** FCRA VIOLATION ***** SEE ATTACHMENTS CREDENCE RESOURCE MANAGE Account Dispute Not mine or No knowledge of account RemoveCREDIT ACCEPTANCE CORPORATION Account Dispute Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX CU Account Dispute Payment never late *** REMOVE THE FOLLOWING INQUIRES JPMCB AUTO Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online DRIVEIT AUTO GROUP Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


XXXX XXXX AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



ALLY FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



NOWCOM/EXPERT AUTO SALES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX CREDIT/EXPERT AUTO SALES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card or prepaid card

I have reached out several times to First Progress bank in regards to my refund. I feel like they aren't processing my refund out of spite, because I submitted another complaint on them before in regards to my refund. I closed my credit card account with First Progress bank on XX/XX/2023. They told me that it could take 70 days no later than ten weeks for me to get my {$950.00} back. I have called and called and called them. They out source to the XXXX XXXX for their call center, so the people on the other side of the line either don't understand, nor don't have any information to provide to me. I'm at my wits end with trying to reach out to them to get the money that is mine returned to me. I have waited patiently for their 70 days- ten week policy, but now I just feel like I'm either being taken advantage of, or they don't care. Like I told them, I I don't have a check in my hand for the {$950.00} they owe me ( MY MONEY ), then I'm filing a lawsuit, for loss, amongst other things, and I'm an attorney. I really don't think they want to deal with my legal drama. All I want is my money back, and never to do business with them again.