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

MY INFORMATION HAS BEEN EXPOSED IN A DATA BREACH. HERE ARE THE ACCOUNTS LISTED : XXXX XXXX - Acct # : XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # : XXXX Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # XXXX, Bal- {$690.00} Date XXXX XXXX- Acct # XXXX, Bal- {$130.00} Date XXXX XXXXAcct # XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX # XXXX, Bal- {$0.00}, Date XXXX XXXX XXXX XXXX XXXX # XXXX, Bal- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX, Bal- {$600.00} Date XXXX XXXX XXXX XXXX-Acct # XXXX, Bal- {$510.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX, Bal- {$130.00}, Date XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$1100.00}, Date XXXX XXXX- Acct # XXXX, Bal- {$1300.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX, Bal- {$690.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX XXXX Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$0.00} XXXX Date XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this XXXX  XXXX Regarding to a late payment that's reporting on my credit report this late payment has been deleted from my XXXX credit report but not remove from my Experian credit report. I called Experian directly, I was told XXXX XXXX never issued a reply as to removing the late payment from my Experian credit report. This late payment has caused me to get denied for loans and lines of credit. Please remove the late payment for the month of XXXX immediately. I have proof showing its been updated to paid as agreed with XXXX. Once again I need this late payment removed immediately from my credit report this is causing my great financial harm. 

XXXX XXXX Account # XXXX
Product: Debt collection

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022. They were stating they are collecting a debt of {$6100.00} for a creditor called XXXX XXXX. I do not have any debt or collections. I called their office as the letter instructed and the person on the phone asked for my social so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When married, this account XXXX XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX  XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.
Product: Mortgage

Request for automatic removal of PMI as loan has reached automatic PMI a removal once original loan to value reaches 78 % or original loan to value They are requiring that I pay for a new appraisal $ XXXX {$800.00} and refusing to automatically remove the PMI they also are referring to the date on my amortization of when it should automatically fall off but when I called and spoke with XXXX she was unable to provide the date she was referring to. She also was unable to transfer me to a supervisor. The original loan amount was {$210000.00} my current balance is {$160000.00}
Product: Debt collection

LVNV FUNDING purchased an acct from XXXX XXXX XXXX  acct # XXXX on XX/XX/17 listed on my credit report as a c/o for {$360.00} However, the XXXX XXXX XXXX  acct was paid in full via money order for the balance {$300.00}. That money order was cashed on XX/XX/17 by XXXX XXXX XXXX  and charged off in error. The original creditor XXXX XXXX XXXX   deleted all reportings from all 3 credit bureaus due to the acct being c/o in error. Despite the original creditor rectifying the situation, LVNV Funding is still reporting this debt as owed and valid although it was illegally sold to them. They are also conatcting me repeatedly attempting to collect on a debt that was paid in full and removed from my credit report from the original creditor.
Product: Credit reporting or other personal consumer reports

From what I understand about FCRA 605B, we have to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are incorrect, and it's unsettling me.
Product: Checking or savings account

On XX/XX/XXXX I wrote a {$1000.00} check to a vendor. It was fraudulently check washed. The check had egregiously been changed. The check washer forged the check out for the same amount I had originally written the check for. It went undetected for XXXX. Now Truist is telling me they are not responsible for allowing the transaction to happen because of the amount of time. The handwriting on the check is clearly not mine. I always use the memo line and on this fraudulent check it was blank. My handwriting is a clear architectural lettering and the fraudulent check was large bubbly handwriting. I feel like Truist stole from me. 
I have asked for a review of my denied claim back on XX/XX/XXXX and I just learned ( XX/XX/XXXX ) that it has also been denied. 
I filed a police report when this happened as well as a report with the USPS. I don't understand how a bank can dismiss this criminal act so easily. 
Hasn't the UCC placed regulations on forged checks? I have been with Truist for may years ( XXXX & XXXX and before ). They don't seem to value me as a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " FEB/DESTINY '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " XXXX XXXX XXXX XXXX ''.
Product: Debt collection

My checking account has been usually debited every month. Last payment transaction was on XX/XX/year>. Then the auto policy was switched to the XXXX from XXXX effective XX/XX/year> by my insurance agent. I never received any communications ( email or postal mail or phone call or text ) from XXXX. Then I received a text from Credit Collection Services ( a letter on the same day ) on XX/XX/year>. I thought it was an identity theft. I called XXXX service and got through XXXX service to confirm if the collection was indeed legit. I paid with my credit card on the call right away. My concerns are that XXXX unfair targeted practices to ruin my credit record and poor communication with its former customers.
Product: Credit reporting or other personal consumer reports

I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

XXXXReporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
XXXX  Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House stating that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME XXXX STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore exists. 

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. XXXX, XXXX  and Transunion should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Product: Checking or savings account

Chime offered a limited time promotion for new account referrals that sign up before XX/XX/year>. The referral bonus was increased from {$100.00} per referral to {$500.00} per referral. The referred account was to receive {$100.00} as the standard bonus but the existing Chime account holder would receive {$500.00}. There is a {$1000.00} annual limit on referral bonuses. Chime only granted one referral bonus at {$500.00} but only provided the standard {$100.00} bonus for the second referral. Chime stated it was a limit of one referral for this particular promotion. The terms and conditions do not state this. I called Chime prior to initiating the two referral links to confirm two bonuses could be obtained. The agent confirmed this was correct when I called on XX/XX/year>. When the direct deposit terms were met for the second referral, only {$100.00} was deposited in each account. I called Chime again on XX/XX/year> and they then stated the {$500.00} bonus was only allowed for one referral and they could not help me further.
Product: Credit reporting or other personal consumer reports

I have had my student loans discharged and have been provided with a notification from the Department of Education validating that my student loans have been discharged.

I have been advised by The Department of Education that all three major credit bureaus have been notified of the discharge and that my credit report would be updated showing that the student loan account have been deleted and removed.

I have attempted to have the student loan account removed directly via multiple disputes with the individual credit bureaus, however, the student loans remain listed on my personal credit report which is impacting my overall credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times that Experian remove all of the information that I have circled on the attached credit report. They refuse to do so. They keep sending me an updated credit report saying that the information is not there and pretending to not know what information that I am referring to. 

Please see attachment.
Product: Credit reporting or other personal consumer reports

Please see the attached affidavit and remove the account XXXX XXXX XXXX XXXXXXXX from my credit report due to inaccurate information. XXXX and XXXX have removed this account. Experian is in violation for reporting incorrect information for the payment history. I was never late XXXX times on this account. At one point, Experian was reporting that I was late XXXX times then they changed it to XXXX times, now my report is showing late XXXX times. Experian has proved that they are not credible and that they are in violation of the FCRA. Furthermore, this account was sold to XXXX XXXX. Please see the response letter from the creditor showing that discrepancy in late payments and remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but it has yet updated from 2019 of " last payment status '' Each account has a XXXX balance and no payment history. 
# XXXX last updated status XXXX of 2019 # XXXX last updated 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX  I received a call I have a past due account on Dicover card which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from Discover I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I signed up for a course with an acredited school. I was dropped from the school due to having some personal issues. So I never even got to attend the courses at all. The school had told me that they would remove the amount of {$4200.00}. I was not given an option they just put me on a payment plan but I had a part time job and couldnt survive by given them that amount that they said I owed. The amount also never got lowered than {$4200.00}. I was paying and they just kept charging me. They they proceeded to call my friends and family members then proceeded to call me constantly and email me threatening saying that they will be reporting the debt to the credit bureaus and damage my credit score. I have made all of the following payments Details : Recurring Bi-Weekly payments of {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022, {$50.00} on XX/XX/2022 starting on XX/XX/2022 and then every other Wednesday totaling {$200.00} from checking account. Yet they are still threatening me for a course that the school said I was unenrolled from and did not have to pay back. I did not even accept the offer on the XXXX page. I do not understand why I am being harassed for not being enrolled, for not accepting the debt and mostly not even using it at all.
Product: Debt collection

XXXX, XXXX and XXXX XXXX XXXX  continue to affect my credit with these collection claims. I was a victim of fraud and ID theft!!! This should t be on my reports
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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: Money transfer, virtual currency, or money service

In XXXX of 2022, I was at a store near me when someone asked me to use my phone. I didnt think anything of it but after leaving the store had realized someone zelled {$3000.00} to themselves using my device. I immediately filed a police report and contacted Bank of America who told me they would submit a claim. My claim was denied and they told me to reopen it they would need a copy of the police report. I sent over a copy of the report and yet again my claim was denied. I reached out to Bank of America numerous times since then for them to keep telling me they would reopen the claim under something new and each time my claim was denied. They have since closed my account for what they call a business decision and Im still out {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST XXXX BANK is reporting late payments while in active chapter XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting medical bills on my report that do not and can not belong to me. I have disputed the information but they have taken no steps to correct the errors
Product: Debt collection

On XX/XX/XXXX I contacted a debt collection agency ( tulsa adjustment bureau ) regarding a written collection I received from them after having never gotten a first bill from the original medical lab ( XXXX XXXX XXXX  ). When I asked for the labs contact information on the phone, the collection agency employee refused to give it to me. I then had to call my doctor and get the phone number for the lab from them, and was told by them that tulsa adjustment bureau should have given me that information themselves. I have since tried yesterday and today to reach the medical lab over the phone with no success, despite leaving voicemails and calling repeatedly and waiting on hold repeatedly. This is the second time this lab has sent me directly to collections without first sending me notice of a bill so I can pay and keep it out of collections, and they are affecting my credit score unnecessarily and wantonly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit card or prepaid card

I have been in continuous written contact with Citibank since  XXXX   XXXX  regarding a dispute over penalties and fees assessed for a missed payment. By oversight I skipped the  XXXX   XXXX  credit card payment, and promptly brought my account current in  XXXX   XXXX . Prior to this incident I had an excellent record of timely payments on this account. However, despite several written inquiries and attempts to resolve the issue, I received nothing from Citibank, other than collection threats, until late  XXXX   XXXX . At that time they informed me in writing that indeed my account was current as of  XXXX   XXXX . Nevertheless, they continued to send billing statements with accumulating interest and penalties without adequate explanation, the most recent being  XXXX   XXXX . I repeatedly offered to resume payments once they removed the excess fees from my account, but they did not respond one way or the other until last Friday when I received a collection notice from an agency to which Citibank referred my account. Today I sent a letter to  Citibank  informing them that I was seeking the involvement of the CFPB, to resolve this matter.
Product: Checking or savings account

Its being over 2 months since my XXXX account has being locked. 

Ive been told that my account was locked because I needed to submit a letter of support ( affidavit ). Ive already submitted the document and its being a month and my savings XXXX account is still locked. 

Everytime I call the customer service number, I keep getting told that the affidavit of support is still under review and the estimated time period is up to 10 business days. 

Its being over 20 business days and Im still being told the same thing everytime I call customer service. This is frustrating as I have all my money saved in that account. Ive already proven my identity through the affidavit of support, yet I have no access to my savings Marcus bank account.