23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove inaccuracies from my credit report. Despite multiple disputes and requests, certain derogatory items continue to appear on my report, including late/closed accounts, accounts included in bankruptcy, and public records. 

I have enclosed a copy of my credit report highlighting the inaccuracies for your reference. 

I request the following actions be taken : Removal of Late/Closed Accounts : Several accounts on my credit report are listed as late/closed, which inaccurately reflects my credit history. These entries are outdated and should be removed promptly.

Removal of Accounts Included in Bankruptcy : There are accounts on my credit report that were included in bankruptcy proceedings. As per the bankruptcy discharge, these accounts should no longer appear on my credit report. Please remove them immediately.

Removal of Public Records : Certain public records, such as XXXX XXXX Bankruptcy are inaccurately listed on my credit report. These records have been resolved or do not pertain to me. I request their immediate removal. 

I have made numerous attempts to address these inaccuracies through the proper channels, but they persist, causing significant distress and hindering my ability to access credit on fair terms. 

I understand the importance of accurate reporting and the impact it has on individuals ' financial lives. Therefore, I urge you to investigate these discrepancies promptly and make the necessary corrections to ensure the accuracy and integrity of my credit report. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address these inaccuracies. I am asking for your assisstance to remove these items in my credit file : XXXX. XXXX  XXXX XXXX Balance : {$1200.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX  XXXX XXXX Balance : {$2300.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the XXXX XXXX to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau XXXX report. Please update the filing date and then remove.
Product: Debt collection

Subject : Formal Consumer Complaint Against Jefferson Capital Systems LLC To Whom It May Concern : I am writing to formally submit a complaint regarding Jefferson Capital Systems LLC for multiple violations of my rights under federal consumer protection laws. Specifically, the agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide the required validation information about the alleged debt, yet they have placed a collection account on my consumer credit report. This is a direct violation of my rights under the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been provided an opportunity to dispute the alleged debt as required. The agencys failure to give me proper notice of my rights has prevented me from disputing the validity of this account.

3. False, Misleading, or Deceptive Practices : The agency has engaged in false, misleading, and deceptive practices in their attempt to collect this alleged debt. This is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no legal authority to furnish information about this account to any consumer reporting agency without first providing all disclosures required by law. Their failure to comply with these obligations further demonstrates their disregard for federal regulations.

I demand the immediate removal of this account from all consumer reporting agencies within 14-30 days, as it is unlawfully reported. If this issue is not resolved promptly, I reserve the right to seek statutory damages of {$1000.00} for these violations. 

Additional Actions : If this issue is not resolved to my satisfaction, I will escalate the matter further through the CFPB website and other regulatory channels.Please delete this account from my credit file immediately and provide written confirmation that no further collection attempts will be made. 

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

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.
Product: Student loan

I was never made aware by Navient when they took over my Direct Loans that I would no longer qualify for the public service loan forgiveness program.
Product: Mortgage

I already did many complaints but there is no resolution, mortgage company give us forbearance due to Covid and lost of job then the last forbearance end on XX/XX/2021 and until now they put as in modification fromXX/XX/2021 and they said they will take up to 30 days up to now the answer from Mr Cooper is different from different associates, and until last call is your modification is underwriting review for more than 4 months now and we dont know anything about what the other options and they want us to pay what we own around XXXX dollars please help us First we dont know what kind of loan our house? 
I already send them a month payment after the forbearance end but to returned back. 
Second why mortgage company not help us as the government said so what we have to do and what the options before we loose our house please please help, we need to know what type of loan we have do we can looking for what help we can get for the type please please help us thanks
Product: Debt collection

Receiving several calls from this collection agency or credit card company I called account services about these calls and they refused to take my informaton because I would not give personal information to them- Told them that i had a attorney representing me and the person on the other line refused to take the information
Product: Credit reporting

ACCOUNT IS NOT MIND INCORRECT INFORMATION XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected nor removed disputes items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Barclays Bank Delaware for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, Barclays offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have XXXX late payment in my history from XX/XX/2021. As you can see from my history with Barclays that is the XXXX and only reported late payment which was no fault of my own. I contacted Barclays several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Product: Credit reporting

I recently reviewed my credit report from Experian, and discovered that XXXX claims that I have an unpaid account opened on XXXX/XXXX/2014 with a balance due of {$190.00}. I have never had a XXXX account at any time. The account number on the report is : XXXX. I want this error removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me. I have asked them to provide me with the documents with the original signatures proving the accounts belong to me and they have not sent them to me.
Product: Credit card or prepaid card

I haven't used my Chase Slate card in about 9-10 months. I actually forgot that I still had the card. My card was damaged and wouldn't work anywhere so I ordered a new card and started using it once again. Upon using the card again everything was ok and working. Chase sends me a letter stating unsatisfactory relationship with them. Whatever that means. I have never been late or missed a payment with them ever. I have never missed or been late on anything in my life. They can see this through my credit report. Nothing giving a detailed explanation of why they would send me a replacement card to use and then close my account shortly after receiving and using the card. During the call to get a replacement card mailed, I tired a credit line increase in which I was denied of. Which is fine thats a small hit on my credit but to close my account for no reason explained after all this is absurd.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My ONLY Full Legal Name : XXXX XXXX I do not have ANY akas or XXXX 's names my last name is not XXXX. 
2. My Only Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX I do not reside, nor do I have access to property or to receive mail from XXXX XXXX XXXX, so I demand this address be removed from my credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses. 
I demand a deletion of all personal identifiable information from my consumer credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Checking or savings account

Someone pretending to be me had funds in the amount of {$1500.00} transferred from a bank account at one bank ( XXXX XXXX XXXX  ) to pay a late payment at another ( Pentagon Federal Credit Union ) on  XX/XX/2020. I called both agencies and didn't get any resolution. The bank the funds were transferred to said somebody called saying they were me and to transfer the money from my account at the other bank. I, of course, didn't know anything about it until I checked my bank statement. I have been working with a debt consolidation company ( XXXX XXXX ) and the bank receiving the payment stated that's who had done it but, upon contacting them, they said they know nothing about it. In a three-way call, I was told by the receiving bank that they would look into it but they don't seem too interested in doing anything about it. What can I do to get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine.

This is that account : XXXX XXXX XXXX XXXX Thank you for understanding )
Product: Credit card

THIS CREDIT CARD THAT I AM HAVING PROBLEMS WITH IS WITH SYNCHRONY BANK AND XXXX, THEY STARTED CHARGING PREDATORY FEES AND EXCESSIVE INTEREST RATES DESPITE PAYMENTS MADE. THEY TAKEN THIS PREDATORY ABUSIVE BUSINESS TACTICS TO WRIP ME OFF, I ASKED THEM TO CLOSE THE ACCOUNT IMMEDIATELY AND REDUCE THE PREDATORY FEES AND INTERESTS AND THEY DECLINED FROM DOING SO AND ARRE REPORTING THE CARD ACCOUNT LATE. AND HARMED MY CREDIT SCORES PURPOSELY.
Product: Payday loan, title loan, or personal loan

I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. 

The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. 

I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.
Product: Debt collection

This account was removed from my XXXX credit report, this is with attempted fraud.why do they want to charge it twice.
Product: Debt collection

I moved out of my apartment in XX/XX/2018 after graduating from XXXX. I turned in my keys and moved across the country from Indiana to Arizona to start a new job. I knew I had to pay utilities for the month after I moved out so I submitted my XXXX payment. I thought that was my final payment. A year later I got a letter from a debt collector saying I owed {$100.00}. I was confused and called XXXX XXXX to discuss the payment. I was moved out, I should not have owed money. They said it was for the month of XXXX. I moved out in late XXXX. I called my apartment complex and apparently a roommate didnt return his keys, so I was technically still liable for the apartment. I immediately made the payment once I found the cause. I later learned that if I asked the debt collector to remove the delinquency prior to paying, they would have. But I didnt know, as Ive never missed a payment and never been sent to collections. Both XXXX XXXX and the debt collector refused to help or do anything, since this was clearly a misunderstanding. XXXX at XXXX point said a woman would send a letter, but never did. My credit is tarnished because of this. One agency took my side and removed it and my credit is around 800 with them, the other XXXX show around XXXX. The other XXXX simply ask for a letter stating it can be removed. XXXX and the debt collector say it is not our policy to send letters for these matters. I can not do anything, can not get help from them or credit bureaus. I am stuck.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

TransUnion is exploiting the security catastrophe caused by the malfeasance of XXXX. TransUnion is charging {$10.00} to freeze each credit history account ( which I was forced to pay to freeze my credit ; order # XXXX from 2017XXXX ). With highly private information stolen from 143M people, TransUnion can expect to receive {$10.00} * 143M = {$1.00} XXXX. What 's special about this amount is that TransUnion earned $ XXXX in revenue for XXXX. Hence, TransUnion will more than *double* their revenue by exploiting the American public who were impacted by the incompetence of XXXX. This is an unacceptable business practice and shows the contempt that credit bureaus have for the American public. 

Shame on TransUnion for not doing what 's morally right by removing fees to freeze credit history.
Product: Debt collection

CENTRAL PORTFOLIO CONTRO On XXXX XXXX has opened a collection that Im not aware of until this day. XXXX XXXX XXXX XXXX is Original creditor, I dont know who they are. I have never received validation letter and was never notified of this debt not by email nor by letter to my residential address not by original creditor not by collection agency. When I tried to contact CENTRAL PORTFOLIO CONTRO they didnt provide any information to me and moreover, they discriminating me! I need help to stop this, thank you
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and the XXXX data breach.The account does not belong to me and i have no knowledge of this account. XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX, we stayed in XXXX to attend the XXXX XXXX. Shortly after the trip, charges from XXXX started to appear on my credit card. I immediately reported the card as compromised to Bank of America and filed a fraud claim. There were three fraudulent charges made : XX/XX/XXXX XXXX  XXXX  {$290.00} This has been refunded XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$400.00} After waiting for over a month, I called to see what happened to the two charges made by someone at the XXXX. The person on the call said the claim got stuck and he was restarting it. I waited another month and nothing happened so I called BofA back again. This time, I complained that the I was being charge interest on those charges because they were still being reported as part of my balance. I also complained that the balance reported to credit bureaus was not accurate and was affecting my credit. The person told told me she would issue an immediate credit for {$710.00} plus any interest I was charged since the fraudulent charges occurred. 

As of today, there has been no adjustments made and BofA is not taking the necessary action. They are also nearly impossible to get on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 10 years and my XXXX  XXXX XXXX is still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit reporXXXX 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, also the inquiries are not mine XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.
Product: Vehicle loan or lease

I had a loan with XXXX XXXX XXXX. I had gotten behind on payments at one time, I was told I need to pay {$1400.00} to get back on track, so the next day I sent the money and my loan became current. When I paid the {$1400.00} I called the next day to see if they had received a t because in my online account it did not show the payment but showed I was caught up. When I called they said they didnt apply the amount as one payment that they broke it down and gave me credits for missed payments but there was no credit to my account for that amount. A few months later, they repossessed my car when my payments were not even behind and a payment was not due at that time. Now they have sent my balance over to westlake financial and they are seeking money for the loan. My vehicle should have never been repossessed to start with I had no notice of any sorts telling me anything. It has been put on my credit as a charge off. They also charged for insurance premiums and never credited that back either. I had the car almost 2 years and I owed more than the original amount of the loan. After the vehicle was repossessed I was informed that the company was in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Advantage Credit , IncXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX