23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Turing Point Solutions LLC has been calling daily, numerous times a day using Unknown and fake local phone numbers like, XXXX then leaving messages for a call back to XXXX. They have called my Mom, my Son and me on our cell phones repeatedly. 

XXXX XXXX, 2015 a TPS representative named XXXX called me and my mom XXXX times this morning. He called my mom 's cell XXXX times in row and then immediately called my cell phone XXXX times in a row. He is leaving messages to call referencing case XXXX, but the number of times this company is calling is abusive and today 's occurrence was clearly unacceptable. This is a form of harassment and bullying.
Product: Vehicle loan or lease

On XXXX XXXX XXXX XXXX XXXX issued a check to Chase bank in the amount of, {$18000.00} to pay my loan off in full. To date, XX/XX/ chase bank has not paid off my account. Chase bank is leaving me vulnerable to taking a hit on my credit, as I have not made payment out of my pocket due to the check being mailed for full payment. I have made 3 attempts to contact Chase bank today to get answers, I have been transferred and disconnected on each call without speaking to anyone to get any answers! My credit is at stake due to the negligence at Chase bank and disconnecting all of my calls with no help. The OCC will be notified as well. Chase is showing my account currently overdue. I need answers!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have notified Experian a few times that I am a victim of identity theft, and in return they keep sending me the same exact message, i have sent my FTC my social security card and identification numerous times also
Product: Debt collection

I sent a certified letter to XXXX XXXX XXXX which was received in XX/XX/2018. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled having an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit card or prepaid card

In XX/XX/2022 while browsing the Home Depot website and checking out I was prompted to apply for a Home Depot Credit Card and promised that {$25.00} of my purchase would be covered as a promo. I made a purchase for just over {$28.00} meaning my total cost would be under {$4.00} with the promo applied. I was approved for the credit card and made my purchase but on checking my balance the promo was never applied and customer service says it will take up to three billing cycles before a manual credit they are applying will take effect this of course is not what was advertised at all and I believe that this bait and switch offer where Im not paying the full amount upfront is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later midland sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. Midland denied this and continued to report as not payed. So I disputed with a second crediting agency. Now midland is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit profile that need to be deleted/ removed from my credit report asap. All inquiries will be in my ftc report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1500.00} XXXX. XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be blocked and deleted : 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 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 XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing incorrect information : - XXXXXXXX XXXX XXXXXXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to Nationstar mortgage number XXXX. At this time, Nationstar is aware that the above referenced loan was discharged in a Chapter XXXX Bankruptcy in XXXX XXXX XXXX, FL on XXXX/XXXX/XXXX under Case Number XXXX XXXX. At the time of the bankruptcy, the loan was owned by XXXX XXXX XXXX and then sold or transferred to Nationstar after the discharge date of XXXX/XXXX/XXXX. Regardless, the loan is XXXX and should no longer be reported to any credit bureau - positively or negatively. 

At this time, it has come to my attention that Nationstar is reporting to all three credit bureaus on my behalf on this account that has been XXXX for over 7 years. 

At this time, I am requesting that an update and correction be made on my behalf to all three credit bureaus by Nationstar and all negative or positive information about this XXXX account be removed from my credit report with all three credit bureaus. I look forward to an amicable resolution. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Inaccurately Reported Account Dear XXXX, I am writing to demand the immediate deletion of the inaccurately reported account : Account Name : XXXX Account Number : XXXX This account is being inaccurately reported as having a charged-off status month after month, which is legally and factually incorrect. As you are well aware, an account can only be charged off once, and any subsequent reporting of a charge-off status month after month constitutes false and misleading information. 
Your failure to accurately report this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report. 
This account must be completely deleted from my credit report within four ( 4 ) days of your receipt of this letter. I also demand that you do not attempt to update or modify the account in any way, as I have already obtained a copy of my credit report showing the existing inaccuracies.

Under FCRA 1681n, I am entitled to {$1000.00} per violation for your failure to comply with the law. However, I am giving you the opportunity to resolve this matter amicably and avoid further escalation. All you need to do is remove the account from my credit report immediately. 
I trust that XXXX will act promptly and appropriately to resolve this issue without further delays. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXXday notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

HELP ME, I AM LOCKED OUT OF MY ACCT!! 

I AM XXXX AND UNABLE TO CALL YOU OR GO TO A BRANCH. 

I have NOT been able to get online or on my phone ( XXXX ) XXXX for all of XXXX It will NOT accept my ssn it says that it exists already? 
We have NO need to communicate, just unlock my account XXXX XXXX XXXX XXXX XXXX XXXXI CAN NOT TALK ON THE PHONE XXXX unlock my account
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 XXXXLAccount : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/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: Credit reporting or other personal consumer reports

This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : 1. XXXX/Comenity/XXXX  Amount Owed : Please verify the total amount owed as {$1200.00}, ensuring it aligns with all reported figures. 

Date of First Delinquency : Confirm the accuracy of the reported first delinquency in XX/XX/year>. 

Date of Last Payment : Provide documentation supporting the absence of payments within the reported timeframe. 

Payment History : Clarify and verify the progression of delinquencies leading to the charge-off status as of XX/XX/year>. 

Method of Verification : Detail the process used to verify the debt, including contractual agreements and payment records. 

XXXX. XXXX XXXX ( Account XXXX and XXXX  ) Amount Owed : Confirm the charged-off amount of {$1500.00} and the past-due balance of {$1300.00}. 

Date of First Delinquency : Verify the accuracy of 30 days past due as of XX/XX/year> for XXXX and XX/XX/year> for XXXX. 

Date of Last Payment : Provide the records of the last payment dates as reported in the payment histories. 

Payment History : Reconcile any inconsistencies in the reported delinquency progression. 

Method of Verification : Submit evidence of the validation process for both accounts, including payment history and original agreements. 

XXXX. XXXX XXXX/XXXX  Amount Owed : Verify the reported balance of {$5100.00} and ensure all records are consistent. 

Date of First Delinquency : Confirm 30 days past due as of XX/XX/year> and subsequent progression to 60 days past due in XX/XX/year>. 

Date of Last Payment : Clarify discrepancies in the last payment records. 

Payment History : Provide documentation verifying the payment history timeline and consistency.

Method of Verification : Include proof of the method used to confirm the account details. 

Please provide all requested documentation and verification within 30 days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please address all correspondence to :
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Act XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} 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

On XX/XX/XXXX I mailed a dispute letter to Trans Union to investigate a violation of the FCRA. I included proof of identity. I then received an e-mail from them stating they would not investigate because it did not appear that the letter came from me. I called them today to confirm that it did come from me and why I wanted to dispute. The reps could not under what I was trying to convey to them, as they clearly do not have a complete understanding of the English language, they refused to assist me. I am sending in another, now handwritten letter requests to dispute, once again. This will elongate the process of having this item removed from my report, and I am needing to buy a house as my current landlord has given us a notice they want us to move. Im in a desperate situation to have this corrected, and they refused to help me, even over the phone, they would not process the dispute. This is the original letter mailed to TransUnion : Dear TransUnion, I am writing to formally dispute a collection account reported on my credit file. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX XXXX Date of First Delinquency : XXXX Date Reported by Collection Agency : XX/XX/XXXX While I acknowledge that this debt originated in XXXX, I find the recent reporting by the collection agency unfairly damaging and misleading. This debt was placed for collection years ago, and its sudden appearance in XXXX being past the statute of limitations for legal collection in XXXX an unfair negative impact on my creditworthiness. 

I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) guidelines, as it misrepresents the age of the debt and unnecessarily extends its effect on my credit profile. Under the FCRA, information that is misleading or unfair can be removed, even if technically accurate. 

Therefore, I respectfully request that this account be removed from my credit report due to its outdated and unfair nature. Please conduct an investigation into this matter and provide a written response detailing your findings. 

I have enclosed a copy of my drivers license and a recent utility bill to verify my identity. Please notify me in writing of the results of your investigation. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, 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 U.S.C 1681. ACCT Name : 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: Checking or savings account

I tried to dispute several transactions with XXXX back in XXXX XXXX XXXX and in XXXX XXXX XXXX after I discovered unauthorized charges. However, despite the time I informed Bank of Americas fraud servicing department was well within 90 days after the transactions occurred, they denied these disputes as the BOA agents claimed that the bank had imposed a more severe limit on dispute time limit on debit card than credit cards. This is not disclosed anywhere and should be investigated since I believe BOA is acting fraudulently or engaged in false advertising for not disclosing this to their customer