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

I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017, yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from XXXX showing that the XXXX XXXX and XXXX are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that XXXX shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
Product: Debt collection

Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed when trying to buy a dog. Using the XXXX method through chase bank {$850.00} totally was incorrectly sent. I am trying to figure out how to get this fixed but I have a contract from the seller and no product for the service that was bought. Please provide assistance.
Product: Debt collection

WAKEFIELD & ASSOCIATES is trying to collect for medical services that have already been paid in full by my insurance carrier. this debt falls under the Federal No Surprise Act.

again this debt has been paid in full!
Product: Credit reporting or other personal consumer reports

Dear 5/3 BANK NA, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that 5/3 BANK NA has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for 5/3 BANK NA to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws. 

I demand that 5/3 BANK NA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws. 

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.
Product: Student loan

Why is there interest on my new IDR program that was set up during the XXXX before payments started? This should be a reset without interest payments, yet an accrued interest of {$1400.00}.
Product: Debt collection

On XX/XX/2022 I reached an agreement with Columbia Debt Recovery DBA : Genesis. This agreement stated that following payment of {$11000.00}, which was made at that time, I would be absolved of responsibility for that debt in addition to the information being deleted from my credit reports. The deletion of this information was a predominant reason for remitting payment. The letter I received states it may take 3-4 weeks for the information to be updated, as of this writing it has been approximately 6 weeks and the information is still displaying on XXXX and XXXX credit reports with an amount that hasn't been updated since XXXX of this year. This failure to delete this information has caused undue hardship. I attempted to remedy this by contacting the number listed on the agreement and I was greeted by a particularly adversarial representative who first claimed the agreement didn't state a 3-4 week timeline. When I stated it did and she saw that it did, no apology was made and she abruptly asserted that they submitted information to the credit bureaus approximately a month prior. I do not believe this to be accurate as the information is both still showing on my credit report and is also grossly inaccurate. As the company did not resolve this issue at that time, I proceeded to submit disputes with the credit bureaus, unfortunately the dispute process takes an additional month prolonging the hardship caused by the companies failure to delete this information promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Only have one name, work, address and phone number credit bureaus is showing multiple address, jobs, names, and phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have an open account with them when in fact I dont. They are also reporting late payments to the credit burea every single month on a car that I have not seen since 2014. They recently just reported that my payments is 120 days late and I have never received a bill from them. This item is six years old and should be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX mere confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. They were also ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Product: Credit reporting or other personal consumer reports

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 my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Humble, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX LA XXXX XXXX. PINCH FLATBED, IN XXXX. Employers : XXXX A Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

XXXX. Bank Name : XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX CARD SER Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 XXXX  years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a bill from XXXX, XXXX for {$59.00}, and never applied for this card which I never received anyway. please cancel any membership I may have XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$360.00} for a XXXX XXXX  according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I reviewed this information and found on my credit report. I have never did business with this company. I do not owe this depth
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} LVNV FUNDING LLC, {$1500.00} XXXX XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX 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

These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report..
Product: Credit card or prepaid card

Capital one credit card company charges fees on the same day that your bill is due. My bill is due on the XXXX of each month. Like most companies you have until midnight of the due date to get your payment in. However, Capital one takes advantage of customers and charges them a late fee if payments are not processed by XXXX on their time schedule the bill is not due. This is should not be legal. You are still using the automated system and it is still the due date.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent nams. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned acoounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, J have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I received a text from cashapp stating I made a purchase at XXXX XXXX XXXX XXXX XXXX. for {$19.00}. I called customer service and was laughed at, and mimicked when I asked for a supervisor. I asked the supervisor to listen to the recorded call and to put the money back into my account. I was told that It was nothing she could do while the transaction was still pending. I explained again I had made no transaction with that company. She told me I had to wait until the transaction was no longer in a pending status. The transaction is still pending and I do not have access to my money.
Product: Debt collection

ARS Account Resolution XX/XX/2021 {$1100.00} XXXX is the companys number, This debt is not mine, I have zero knowledge of this debt and have not done any business with any companys to which I owe anything. I dont know how they got my information, i believe they are committing identity fraud and some how obtained my private information. 

This is affecting my financial life ruining my credit by placing a debt collection on my personal account. I have zero knowledge of the account. 
Need collection and account removed immediately.
Product: Credit card

I received a special rate balance transfer offer and took advantage of the offer by transferring {$12000.00} for a fee of {$600.00} with 0 % interest until XX/XX/XXXX. 

Two weeks later, the autopay function deducted the entire amount back out. I called to explain the balance transfer has always been separate from my regular monthly transactions and should not be included in the autopay amount. They told me the payment had been processed, and they could do nothing. I asked for the {$600.00} to be refunded since I did not receive the program benefits and was told it was too late. 

Not only is it illogical for the billing system to include an entire balance transfer in the statement balance autopay. I have done balance transfers numerous times, and the transfer amount is separate from my normal transactions- especially since I have until XX/XX/XXXX to pay it. 

I have been a customer since XXXX and was told there was nothing they could do - I am out the 0 % financing and the {$600.00} fee.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion have placed a promotional block on my account without my consent, then declined to unfreeze my account when I did not request a freeze be placed on my credit report. Ive been contacting both of them for days now and have spent countless hours on the phone with their customer service representatives with no solution to this problem. They both say I do not have a freeze on my account but the bank is receiving a freeze message when they request my credit reports. The bank is trying to process my home loan application but can not continue until these bureaus pull the freezes off my account. I will lose out on the offer I have placed on a house if these freezes are not lifted in order for my loan application to be processed. This isnt the first time this situation has occurred and the last time, it was a computer glitch that caused the issue with XXXX. I need the freeze on my credit report lifted through XXXX and TransUnion as I have requested immediately.
Product: Credit card or prepaid card

Hi A few weeks ago I filed a complaint with the CFPB. The complaint was about a charge on my credit card for XXXX XXXX. The airline did not hold up their itenirary and even charged my account beyond that without my authorization. 

Bank of America did not solve the dispute in my favor and gave me no recourse. Furthermore they did not properly file the dispute to begin with. Someone from Bank of America ( XXXX XXXX ) reached out to me on XX/XX/XXXX and asked me to call them. 
I have sent them 7 emails and have left 8 voicemails in the past 2 weeks with nothing being returned. I have also requested in email a time to speak with this Bank of America Representative. 

I am currently being charged fees on this and bank of america is not responding to me at all.
Product: Credit card or prepaid card

had a flights taken with XXXX XXXX in XXXX price paid extra included carry on up to XXXX kg for each passenger ( have been paid for that extra ) XXXX XXXX was forcing me to pay for them as check in luggage they has been less of the size of carry on standard and was less then XXXX kg each they was also claiming them that the overhead bin is full and they needs to check in the luggage ( which is ok ) but they has told me you either pay or you not going to be on the flight in very insulting way! 
I have been ask from chase several times to open investigation but no luck