23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX is on my account twice, which the account is fraudulent and belongs to XXXX XXXX. I noticed these accounts on my credit report in which they have been since XXXX. I did not know or have never paid on this fraudulent account therefore this account has been on my credit report almost 10 years which I am sure against FCRA. I am attaching the signature provided by XXXX to CFPB ; and on their application and providing my mortgage signature page. It is plain to see the signature on XXXX 's application and my signature are completely different. Also, XXXX has submitted a letter of acknowledgment in regards to fraudulently signing my signature in which I attached. Again, It shows my signature and addresses which conflicts with the information on Navient application. Also it against the law for them to report the same account twice. I am asking for this to be removed immediately. Also, if the company reviews my documents it is obvious that I was living at different addresses than the XXXX on their application, look at the date on my mortgage page, Worlds Saving and my property tax document which dates my current address beginning in XXXX until current, therefore I knew nothing of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have a joint account for checking. It was used to pay our Discover credit card. My wife became a victim of fraud and all of our banking information at XXXX was compromised. XXXX changed the information but it was near the billing cycle and the payment for Discover was late. Ive never had a late payment in my life ( see credit report ). In fact, immediately following the notice, I paid additional principal and reached out to XXXX and Discover to dispute this but no corrective action was taken. This was bad timing beyond the control of my wife and I as I made attempts to correct this unfortunate event.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corp is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX has been thru over 16 plus years trying to collect a hospital bill which I believe was fully paid thru my husband at that times employees XXXX, under the name XXXX XXXX. I have talked to a woman at XXXX XXXX hospital who informed me they do not have any way to do anything for a bill that old. He had me arrested years ago an now again there is a bench warrant just put out for me. I called his office upon this times notices and was told I did not have to appear at these, just ignore it but try to find any proof to take me off there court list. It was a young woman. I had appeared at courthouse in another county XXXX for this same bill about six years ago. No court. I just had papers given to me. They were told any years ago it is paid thru my husband s ins. He used to call all hours an threaten to have e arrested if I do n't pay. He leaves me alone for a few years then out of the blue it 's like we never discussed it previously. I am XXXX almostXXXX and XXXX. His paper said something to the effect that it would n't be a hardship for me to come to XXXX to an asset s court date. It is. I was told that if I go it 's an admission that I agree with the debt. As I can not allow myself to go to jail I feel I under much protest have to pay this again, after 16 years of trying to reason with ppl in his office that answer the phones for him an deal in his behalf. XXXX, Kansas. I am very afraid of him becoming angry an trying to get an keep me in jail or something mean, years ago he proved he can be really mean mouth an not even listen, an threatening verbally. As more proof of his business nature 's ways I also have him on another bill again it 's paid it 's my current drs office they say I do n't owe an my medical card was backdated three years when I became XXXX. I ' ve explained this the same as the other but to no avail. He leaves e alone for a while then bam another post card or paper wants money for a bill my medical card has already paid.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file with all 3 bureaus, I noticed the public record is still reporting with Transunion. The public record was not verified with XXXX and XXXX and was deleted. 

I received a notice XX/XX/2023, with dispute results staying that the XXXX XXXX XXXX GEORGIA verified the public record on my credit file. Which is not accurate and does not satisfy the reinvestigation results. The XXXX XXXX XXXX Georgia court sent me a letter stating that they do not verify public records. What is the name of the person with the XXXX XXXX XXXX XXXX Georgia that verified this information and phone number? 

15 USC 1681i ( 5 ) ( A ) ( i ) Prohibits the Customer reporting agency to delete unverified information on the consumers credit file.

It is against the law to provide false information and not follow the procedure in case of disputed accuracy. How are you able to verify this record with the federal government that informed me that they do not verify with consumer reporting agency and XXXX and XXXX was unable to verify as well. 

You have a duty to provide the maximum source of accuracy and you failed to do, how were you able to validate information that your counterparts were unable to use the same source. 


Attached : -letter I received from Transunion that the public record was validated with the XXXX XXXX XXXX GEORGIA XXXX Letter from courthouse that they do not validate public records - Letter from XXXX that the public is not reporting in their file - Copy of public being unverified from XXXX and XXXX XXXX
Product: Credit card or prepaid card

Macy 's is inaccurately and negligently reporting late payments on my consumer credit report for XX/XX/2017 and XX/XX/2017 which is impacting my ability to secure housing. I have written letters to the XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX to no avail. Macy 's is in violation of the Fair Credit Reporting Act. In addition to several other code laws Macy 's is violating, they are primarily violating my rights under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) which references that a consumer report does not allow the creditor to report information as to transactions or experiences between the consumer and the person making the report. Therefore they are in violation of this code law by disclosing to the credit reporting agencies that I, the consumer, was supposedly late on payments.
Product: Checking or savings account

XXXX XXXX XXXXXXXX charged early redemption fees of {$49.00} for selling mutual fund shares prior to being held 90 days. It was an automated weekly purchasing program of {$25.00} per week. Charging nearly {$50.00} for {$300.00} of purchases over 90 days is excessive. 

More importantly their own rules do not clearly indicate when the fee is applied, and actually shows it being discretionary and arbitrary. 

This happened in 2 custodial accounts and I was unable to get resolution over live chat. 

Please see page 10 for vague description of short term trading they are trying to discourage ( account agreement ).
Product: Debt collection

Synchrony bank was notified a number of times that this debt was a result of identity theft. They have since refused to take action despite efforts by my attorney. They have reported me to a collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXXXXXX company for {$800.00} from XX/XX/XXXX. The debt collector is XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

XXXX XXXX XXXXXXXX sold a debt that was paid off. The duplicate account, now owned by I C System Inc ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to XXXXXXXX XXXX XXXXXXXX, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.
Product: Debt collection

I was sitting at home checking my emails and received notification that my information had been exposed in the XXXX data breach and it caused me to check my credit report. I noticed a few accounts that I did not authorize or recognize to be anything I had done. I reached out to the creditors as well as the bureaus involved. I sent the first certified letter to PDQ on XXXX XXXX asking for a validation of the debt which I received no response nor did I ever receive anything prior from them regarding a debt. I then sent a certified letter to XXXX and XXXX disputing the debt. One bureau replied stating unable to verfiy the debt and removed the account from my profile the other showed verfified. I then sent 2nd letter asking for validation of debt and still no response. At this point I know my rights as a consumer of the Fair Debt Collections Practices Act has been VIOLATED. The collector must validate the debt and PDQ has failed to do so and if this office is not going to enforce the law I will have no choice but to file a lawsuit. This has caused me more distress physically and mentally. I have all correspondence that I have sent certified to both the collection agency and credit bureau attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX New request. Based on my credit reports. Request does not involve the Department of Education. In all honesty and fairness, I submitted a borrower defense case to DOE, which has been proven. My credit score does not involve DOE ; the Department of Education has been diligent and effective and hopefully, it will continue. However, I need TransUnion and Equifax to be my biggest advocates. I have clear credit intentions and goals. It is not clear how I owe the creditor XXXX University, it frustrates me, but I am patient and willing to wait for it to fall off. I ask you to accept my complaint as an opportunity to dispute these tactics proven in court. Sweet v. Cardona Settlement XXXX XXXX XXXX I ask that each credit agency requests that XXXX XXXX XXXX  provide the following information. A serious warning XXXX XXXX XXXX on behalf of XXXX University is using an enrollment application PDF and generic rehearsed statement to respond to debt. The company did not provide an original bill or invoice. I ask you to request specific details and raise their low standard and aggressive collection tactics. A key resolution and priority goal is no bill owed and a removed account. Please request information on the following question : Dates of semester attendance in chronological order? 

The total amount of tuition and payments billed and received during my attendance at XXXX University in chronological order not sum? 

Dates of FASFA applied to billing account and amounts FASFA disbursed in chronological order?

Any dates FASFA was denied? 

Date of any bill/ or fees that were sent to the student ( consumer ) and date first payment requested in chronological order? 

Date of all account holds or previous carryover balances? 

Date of any course withdrawal request or delinquent balance effective dates in chronological order? 


Dates of any tuition invoice amounts and corresponding semester attended in chronological order? 

Are there any rescinded payments please list in chronological order? 


Did the student set up a payment plan, installment, or lump sum, please provide the date, yes or no? 

Please provide the dates the payment plan was offered? 

State and jurisdiction responsible for ensuring fair bill collection? 

I requested withdrawals and am not sure how helpful XXXX University will be with providing this information due to their tactics, unreliable XXXX XXXX, and worthless degree please excuse my honesty. XXXX may not dig deep enough to validate my withdrawal claims which is fine and XXXX not be well documented. But it should still be enough information to find out when the bill was sent and payment requested. Unfortunately, I have a lot of questions for XXXX XXXX XXXX and it is frustrating. 

Thank you in advance!
Product: Credit card or prepaid card

Apple credit card sponsored by Goldmans bank overcharged me an interest fees. My XXXX balance was {$420.00} My new purchases came to XXXX and I made a payment of {$800.00}. There was no cash advance on my account and yet I was still charge five dollars in {$5.00} worth of interest. When I contacted Apple they advise me it was due to trailing activity from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 RE : Social Security Number XXXX Chex Systems , Inc Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. 
I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX  XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. 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 indirect violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX my credit was ran multiple times and I went in the dealership with a credit and specifically said do not run my credit. But they ran my credit 23 different times.I went to them explaining what I was seeing on my credit report. And they sent a first that was very vague about the removal of these inquires. So I went and had another letter sent with the details of the inquires that the dealership put on my credit.
Product: Checking or savings account

I have reason to believe wells fargo bank opened at least 1 account without my permission.

I called there 800 number and they would not help. I was told to go to local branch. So I did the person there was honest. They can only see active accounts and ones just closed.

so there not being helpful in this at all.
Product: Debt or credit management

Despite there being proof that Wells Fargo received the Mortgage Assistance Application they continues to lie by claiming that they havent received anything. Then I continues to receive calls from a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. But when I attempted to reach her the voicemail keeps stating that shell be out of the office until XX/XX/year>. And she has yet to return any of my calls from this number. So once again this is a lying fraudulent game that Wells Fargo continues to play. Then theyre claiming that Im out of Foreclosure but they continues to have their Prejudice Legal team to keep adding my name to the Sheriffs Sale every couple of months and keeps harassing me by continuing to list my late mother XXXX XXXX as a defendant
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX 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 or other personal consumer reports

FCRA 605B obligates the removal of any accounts that are not correctly listed on my credit report. Could you examine the documents? Some accounts show incorrect amounts and dates.
Product: Vehicle loan or lease

Yes I called ally bank about getting exstention on car loan. They approved me no problem. I'm on XXXX ssdi going thru hardship due too bills and health issues. So the guy told me I need too upfront before XXXX XXXX. I just for XXXX sent in XXXX regular car payment. He told me the XXXX what they charge for exstention. I told the guy this is nuts. For people struggling they should not do a charge like that. That's lol more than my car payment. And he said it's extension for 2months??? How's that. If I pay XXXX for XXXX. He said my due payment is XX/XX/XXXX??? Makes no sense that's not 2months exstention. Should be next payment XX/XX/XXXX. Not XX/XX/XXXX. In future will go different finance place. I also told him too gave finance get back too me. See if can put money back of contract
Product: Credit reporting or other personal consumer reports

To : XXXXXXXX XXXX  XXXX AND Midland Credit Management , Inc . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit card or prepaid card

Opened XXXX credit card with comenity XXXX of XXXX sent a copy of OHIO orders on XX/XX/XXXX to XXXX XXXX XXXX XXXX for the Ohio SCRA act. Due to comenity only following Delaware and federal laws they refuse to follow a consumers home law. However, Delaware also extends out the SCRA act to service members even while active duty. Followed up with state laws from XXXX on XX/XX/XXXX with proof of SCRA act extending to members stationed in Ohio. They still refuse to follow Ohio law and the federal law that allows states to extend the SCRA act to their active duty members. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit, this is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the account listed below is 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 EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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