23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XX/XX/XXXX {$5000.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX BANK 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: Money transfers

Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!
Product: Credit reporting or other personal consumer reports

Lightstream was added on to my account and i did not authorize and now it is a hard inquiry affecting my account
Product: Debt collection

Around XX/XX/2018, I received a letter from Portfolio Recovery Associates in regards to a debt they acquired from XXXX XXXX, accounts ending in XXXX and XXXX. Within 30 days I responded with debt validation. During the period of dispute Portfolio sent a letter on XX/XX/XXXX attempting to collect. Violation # 1 per CFPB. Letter is  attached. 

https : XXXX Portfolio can NOT deny that I sent a letter to dispute because on XX/XX/XXXX their Dispute Department sent verification documentation which asked if I would like to request additional information to VALIDATE. 

Only XX/XX/XXXX Portfolio Recovery sends out a letter stating that they have reviewed my dispute and WRONGFULLY used FCRA to consider this matter closed. 
They also state that if they receive anything else regarding a dispute they will considered the inquiry answered. Letter attached ALSO, on  XX/XX/XXXX stated in letter that they previously requested additional information so that they could complete their investigation. THIS was sent THREE days after the letter I received on XX/XX/XXXX. In this letter they state that they will not complete the investigation. Letter attached HOW CAN A CONSUMER RESPOND TO SEND ADDITIONAL INFORMATION IN A THREE DAY TIME FRAME? 

Portfolio has not only violated my rights under FCRA but have also violated FDCPA laws. This company is using unethical and shady tactics to deter the dispute process that I have EVERY right to as a consumer. How am I suppose to handle said alleged debt if the company is not in compliance from the start?
Product: Credit reporting or other personal consumer reports

I have paid off two credit cards and they are reporting incorrect balances and one of the cards the company closed but are still reporting high balance when the card is current.
Product: Vehicle loan or lease

With this Company, the Bank and the auto dealer, again not behind but my auto was repossessed. The Judge sustained my motion as this was a per se case where i grouped together like companies, but all were contract matters. This financial institution had my auto repossessed because I contacted the Attorney General about the agreement of me waiting till they received their order for new XXXX. I believe if I had to contacted the Attorney General of Kentucky my auto would not have been taken. I was to receive a new auto which I wrote in on the contract. I traded in my old auto i believe it was a XXXX XXXX. I had about {$6000.00} in the Credit Union when this happened. This also was put on my credit report as not able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this. I was very surprised. They are collecting for XXXX XXXX. I had XXXX at one point but I was unhappy with their service and returned everything and discontinued services with them. I was not told I had a remaining balance, I was never called by them because I did not owe them anything. I have no idea where this came from and it needs to be removed.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or VW CREDIT INC customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Credit card

No bill was ever sent, Company refused to send bill after calling with complaint. Found where to send payment to, but the company holds the check until after its due. /this forces me to use app and pay twice the amount due. I was given 12 months interest free, they are attempting to make me miss the due date so they may apply the 34 % interest and back interest from the original date. I have sent them a letter requesting billing and that I would not be responsible for payments past the due date or going over my 12 months interest free. 
The Company is Concora CrediXXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX
Product: Credit card

I am writing to bring to your attention a series of issues I have experienced with my credit card accounts. Even before I had an official account with this company, another cardholder somehow added my information to their account without my approval. As a result, I received a notice stating that I owed money, despite not being the cardholder. When I inquired, I did not receive a satisfactory explanation of how my information was obtained. 

Later on, I decided to apply for a credit card with this company to boost my credit score as I was trying to purchase a residence. During the XXXX pandemic, I was out of work for nearly XXXX months. Despite my efforts to seek assistance, the credit card companies informed me that they did not offer any XXXX relief options. 

During this time, I encountered numerous issues, particularly with interest rates and fees. On one occasion, an issue arose when I scheduled a payment, and due to their use of AI in their banking system, a duplicate payment was attempted. Consequently, the payment was rejected due to insufficient funds, which I explained to the credit card company. 

The company claimed I had set up auto payments, which was incorrect. My paydays fluctuate, so I never used auto pay. Despite explaining this, my accounts were eventually closed without prior notification. Representatives gave conflicting reasons for the closure, ranging from suspicious activity to a payment reversal clause that was not clearly outlined in the original agreement. 

Additionally, the late fee on one of my accounts increased from {$25.00} to {$40.00} without proper notification. I am still waiting for an explanation regarding this increase. Although I have been diligently paying down my accounts, I feel that the company is unfairly penalizing me with additional fees as I near completion of my payments. 

For example, on one account with only {$50.00} remaining, I was charged an additional {$40.00} fee due to a minor late payment of {$51.00}. On another account, a balance of {$170.00} suddenly ballooned to {$300.00} due to added fees. 

I am requesting a thorough review of my accounts and a clear explanation of these issues. I believe that the errors made by the credit card company should not result in additional penalties for me. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX
Product: Student loan

My son went to XXXX XXXX XXXX in XXXX Missouri in 2007. I was terribly upset when they kept adding more and more dept to the student loan that I did not approve of I did cosign for his 1st semester but the school was not disclosing all the debt that they kept adding on. My son should have had his associates when he left and we also never was able to receive a copy of it or transcripts for our records. At the time they put me way over what I had agreed to which was about XXXX and the debt reached far above that. Is there any way to get out from under this debt? I feel the school did not explain and was not honest with us and this has burdened me and my son now for years. He ended up going into the XXXX after school because he was unable to get work in the computer field after going to school for it.
Product: Credit reporting or other personal consumer reports

XXXX left a record on my credit report for a mortgage loan for a home that I sold XXXX years ago. The record shows a {$0.00} balance but it is still preventing me from getting a new loan on my new home. It needs to be removed entirely. I tried to call them but got a never ending automated phone system and could not reach a real person before eventually dropping the call. It asked me for the loan number of my social security number but when i entered them it said it couldn't find a match. I also tried to chat with XXXX online but I can not get into the site because I do not have an account to log into. So, I can not reach them other then by mail which is an unreasonably slow solution for a more urgent and imminently fixable problem. The home is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My loan number according to my credit report is XXXX or XXXX. My SSN is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 18 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00} I received notices back from all 3 bureaus XXXX, XXXX XXXX, and Experian stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX got my private property XXXX XXXX without my consent, which they violated two UCC Filings. File number XXXX with a fine for more than {>= $1,000,000} and File Number XXXX with a fine for more than {>= $1,000,000}. They damaged my reputation by saying that I owe a debt that is not mines. They are trying to coerce and threaten me into paying a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the Inquiries that I don't have permission and knowledge of. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.
Product: Credit card or prepaid card

I have been sick the last 3.5 years in which I have not been able to XXXX XXXX XXXX a majority of the time. I have been charged and then rebilled for charges which I did not approve. So, I contacted the company right away to dispute the charges, told them about my health issues, contacted Amazon and closed my account, stop payment to all companies, and locked my card as well as sent for a replacement card. 

They are claiming I am liable for these charges even though there is a liability clause that says I will not be charged for fraudulent charges. I still have the card locked, asked that all authorized users be removed, and that my name be removed from any ones account because I have never been a co-signer for anything. 

Please tell me what I can do. I do not want this happening to other people. I am concerned it is my mother who has my social security number which I never authorized her to use for any reason or my sister who has a history of taking out cards and stealing from members of the family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this loan officer to cause the young lady in my state wasn't license to work in Tennessee so on XX/XX/19 .I sent off of my credit info told him it was a gov.loan. I had been preapproved already but had to start over cause the person couldn't work in Tennessee.he later pulled my credit then said he never seen a person without much credit before long story short I asked if he knew how to work this particular loan he said yes pigeon sat on my loans then nothing hold it once never went through the underwriters I found out cause I called them.he had been telling me he couldn't get through to anyone no one answered his email etc. But when I spoken with them she said there is always someone here to answer the phone he never called no emails no notes on acct
Product: Debt collection

XXXX XXXX XXXX sent communication via mail stating they are debt collectors and are attempting to collect a debt. Communication dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from American Express in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that American Express allowed them to make an offer to regain card membership and reinstate the account. I then sent XXXX communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from XXXX XXXX XXXX, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from XXXX in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with XXXX XXXX XXXX. 
As stated in the communication sent to XXXX, I believe they may be an innocent purchaser of the alleged debt. As American Express may not be in compliance with their prospectus. An audit of both accounts, American Express and XXXX is being requested for tax purposes.
Product: Credit reporting or other personal consumer reports

chk system keeps XXXX XXXX was paid XXXX XXXX XXXX XXXX XXXX XXXX tx, the XXXX  informed muli times this acct was claer, and they have yet to tk care of this cfpb should fine them for not correcting thier errors XXXX  has rpt to chk systems this is paid
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies XXXX, Trans Union and XXXX that the balance of my student loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card XXXX XXXXXXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inquiries on my credit report I did not ask for no credit increase
Product: Credit reporting or other personal consumer reports

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that Experian, XXXX and XXXX pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.