23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filled Bankruptcy and Included a credit card within the Bankruptcy which was successfully discharged, however Bank of America places a Judgment on my credit for that debt which was discharged. I need the judgment removed from my credit and the issue rectified on Bank of America System of record to show this was discharged. I have contacted BOA several times by phone and in writing and have been Ignored. please review the correspondence I send to BOA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I applied for mortgage assistance through the Louisiana XXXX XXXX  XXXX. I was approved for $ XXXX, they are waiting on documents from Midland. When I call Midland Im being told that the Louisiana XXXX XXXX  XXXX denied my application, I did a conference call with Midland and the Louisiana XXXX XXXX  XXXX, the XXXX XXXX  XXXX told Midland that they hadnt denied the application they are still waiting on them to send in documentation, the representative for Midland said she was notating the account and the matter would be resolved. As of today XX/XX/2022, this matter is on going. Whenever I call Midland its always the same thing, homeowners fund denied your application I tell the rep no thats incorrect Midland put those notes in there, its always a debate. Everyone I speak with at Midland always tells me something different, I have XXXX XXXX even thinking about calling, I feel like theyre trying underhanded practices to make me lose my house.
Product: Credit card

On XXXX XXXX  a credit application was submitted for the Business as I was applying for a business credit card. I had entered my EIN and then was asked for the SS #. I had no choice but to enter my private information into he portal to complete the application., I received a response that the account was denied. Apparently for the low XXXX  score and a serious delinquency that does not belong on the report to begin with. I have contacted customer service in regards since this is adverse action against me and fraud in accord as they are aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). which has violated my federally protected consumer rights : and also in accord to12 CFR 1002 Regulation B and also 1002.7 with the rules concerning extension f credit. 


1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/XXXX  is both a proof and evidence that I have been discriminated against, American Express is also criminally liable. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 


Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Debt collection

I've called many times to resolve this apparent medical debt from a XXXX. They literally have never called me back. They call almost daily in a robocall that my phone captures and if I answer, they put me through to someone who hangs up on me. I'm gaining interest on this " debt ''. I looked up the company, and they are accused of terrible practices and fraud all over the internet. I hope they burn for this stuff.
Product: Debt collection

Debt collector is pusuing a debt that over XXXX  years. the adress they provide is when i was in college in XXXX their unable to provide any iformation as far as my SS security number or account number. In addition, they mention the debt if from XXXX which is the telephone company ive been with for over XXXX  years and still currently with XXXX. I contacted XXXX and assure that this debt is not from them which I already knew. if I HAD A BALANCE WITH XXXX I THINK THEY WOULD MENTION IT TO ME AND NOT A DEBT COLLECTOR THIS IS A SCAM. the debt collector company is XXXX XXXX XXXX FOR {$190.00} AND IT WAS OPEN XX/XX/year>XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I used my Debit card for a {$5.00} transaction. My balance at the time of this transaction showed apx. {$23.00}. 
The transaction was approved and the {$5.00} showed as a " pending '' amount and was subtracted from the available balance in my account. 

The very next day I was charged an overdraft fee for this transaction of {$34.00}. 

As I have stated in numerous discussions with Chase Bank customer service rep.,. if the money isn't available then the transaction can not be approved and processed, but in this instance, the {$5.00} was available therefore the transaction was approved and deducted from my available balance. 

Chase Bank made over 6 BILLION DOLLARS in overdraft fees in XX/XX/XXXX alone because of their dishonest overdraft policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX of 2020 to explain that my identity was stolen and to get this information removed from my report I submitted police reports and action still have not been taken.
Product: Credit card

My credit card was charged multiple times with Cash advances that were not mine. Fraud. I communicated this to Barclaycardus. I have already provided information about this. 

The company keeps telling me that a manager will call me. They say 24 to 48 hours but do not provide me the name of the person or the number they are calling from. Because their phone number is not in my contacts the calls are marked as potential spam. I don't know where the calls are coming from. I don't even know if someone has actually tried to contact me. 

I have messaged them often and yet, they don't seem to be doing anything to resolve this situation.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX is reporting on inaccurately with XXXX, Equifax and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, XXXX is not reporting a payment history ; XXXX is reporting a repossession and Equifax is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information to the agency has made known over recorded lines that they do not have any open accounts with me and have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove this account from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verificationfrom lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX ( Bank ) XX/XX/2023/
Product: Credit card or prepaid card

I'm having a issue with XXXX XXXX a Comerica bank this card was provided by Social Security Administration an MY issue is that I purchased a item AND because I'm parsuly XXXX In sted OF getting 1 I HIT 3 and when I figured this out 5 min. latter I cancelled 2 OF them AND this happened on XX/XX/2018 an WISH told me that they would issue a credit within 14 days LIKE there policy states. An then I have gone back and fowored with this online com. Called WISH SO on XX/XX/2018 i called XXXX XXXX to file a complaint an they told me that they would send me a form so i could dispute this issue i never received the letter so i called them 5 more time an they would always say that they would send me another form AND TILL this day I have not received anything, AND remember that I'm in a budget because I'm XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported by XXXX XXXX XXXX was disputed in XXXX of XX/XX/2020. The reported debt was unable to be substantiated and the account was deleted from XXXX, XXXX  and Experian reports. Experian deleted the report XX/XX/2020, XXXX  deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive XXXX consecutive emails from Experian stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from XXXX XXXX XXXX in XXXX of XX/XX/2020. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent XXXX  and Experian letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested XXXX  and Experian send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. XXXX  and Experian responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent XXXX XXXX XXXX   a request for validation as well and have yet to receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that XXXX  and Experian blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from Experian mentioned above, Experian is reporting the account information incorrectly anyways. At what point will Experian be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by XXXX  and Experian is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that Experian will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed ( multiple times ) of the errors in which they are reporting.
Product: Credit reporting or other personal consumer reports

My Equifax credit report displays multiple accounts and inquiries that do not belong to me. These accounts were opened fraudulently as a consequence of identity theft, and it is imperative that this matter be addressed without delay. 

Fraudulent Accounts : XXXX ( Account # XXXX ) : Listed as " Charged off as bad debt. '' I did not open this account. 
XXXX XXXX ( Account # XXXX ) : Incorrectly reported as " Charged off. '' XXXX XXXX XXXX Account # XXXX ) : Fraudulent account. 
XXXX XXXX XXXX ( Account # XXXX XXXX  : This account is reported as a " Collection '' with XXXX XXXX  XXXX I have no relationship with this creditor. 
Unauthorized Inquiries : XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX XXXX XXXXXX/XX/2024 and XX/XX/2024 ) The existence of fraudulent accounts and inquiries has adversely affected my credit score and limited my capacity to secure financing. This situation has resulted in financial hardships, necessitated the expenditure of considerable time to dispute inaccuracies, and introduced undue stress into my life.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding Experians handling of disputes related to an inaccurate voluntary repossession account on my credit report. Despite multiple disputes, Experian has failed to address the discrepancies I have raised and continues to report incorrect information.

Issue Details : 1.Account Information : Original Creditor/Lender : XXXX Account Number : XXXX Date of Dispute : XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX of the Discrepancy : Experian is reporting an inaccurate balance on this account. The reported balance of {$7000.00} does not match the correct balance of {$7100.00}. 
I have provided supporting documentation in my previous disputes to demonstrate the correct balance, yet Experian claims the account has been verified without addressing the discrepancy. 
3.Repeated Disputes Without Resolution : I have disputed this information twice through Experians dispute process. Each time, the response has been that the information is verified and accurate, but no explanation or evidence has been provided to substantiate this. 
The reporting remains inaccurate, which negatively impacts my creditworthiness and financial opportunities. 

Request for Resolution : I request the following actions : 1. That Experian conducts a thorough investigation into this account and provides evidence from the original creditor verifying the balance they claim is correct. 
2. That the inaccurate information is deleted entirely from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ) if it can not be verified.

3. That I am provided with detailed documentation of how Experian reached its conclusion regarding the dispute.

Supporting Documentation * Copies of my previous dispute submissions to Experian. 
* Any statements, receipts, or correspondence demonstrating the correct balance of the account. 

Impact of the Inaccuracy : This inaccurate reporting has caused significant stress and financial hardship. It has resulted in denial or unreasonable terms for a car loan, limiting my ability to secure reliable transportation. 
I trust that the CFPB will investigate this matter and ensure Experian upholds its obligation under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and verifiable information. If Experian can not verify the accuracy of this account, I request its deletion from my credit report. 
Thank you for your time and assistance. 

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

Submitted inquiry XX/XX/year> XXXX they stated it was verified and updated as such results were not sent upon request only stated verified complaint was also filed here and again significantly later than the allowed time Id like this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, US bankruptcy XXXX Act # 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: Debt collection

This started as a billing error at the hospital. I went to see XXXX XXXX XXXXbecause I literally felt like XXXX. My Uncle had recently been hospitalized for XXXX XXXX and I had been to visit him at the same time he contracted the virus. I fell illshortly after and went to my primary care because I was afraid I had it too. 
XXXX XXXX coded this visit with him as a " routine visit ''. My husband is a XXXX veteran and I have XXXX insurance. XXXX denied the claim becausethey told me the claim was coded wrong. I informed the hospital. Not only did I bring acopy of my explanation of benefits to them in person, but I made over 10 calls to variousoffices trying to get them to code the visit properly. This was anything but a " routine visit ''. 
Feeling like I have west nile virus is not a " routine '' thing. 
The hospital and XXXX XXXX 's office sometimes were polite about the matter. They evenclaimed two times they changed it, but they kept submitting the same medical code toXXXX who kept denying the claim because they do not cover " routine visit '' claims. 
Then I got a nasty call from a collections lady saying this would be going to collections. Afew months later I got a letter from " The Credit Bureau of XXXX XXXX XXXX and XXXX Counties ''. The letter is dated XXXX/XXXX/2015 and it says I have 45 days to pay in full orthey will report this to the Credit Reporting Agencies. 
I do not owe this amount. This is a billing error. The hospital has failed repetedly to correcttheir mistakes. They even told me in person it was a mistake and that they would fix it. Thishas been dragging out for almost a year now. I want this to end and for them to bill myinsurance properly. This is no way to treat the wife of an honorably serving XXXX veteran.
Product: Debt collection

Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : XXXX XXXX Amount now XXXX and garnishments continue
Product: Debt collection

SUNRISE CREDIT SERVICE has flagged your account as Collections on XXXX XXXX, 2022. 

Source : XXXX XXXX : SUNRISE CREDIT SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX XXXX, XXXX  Balance : {$5200.00} They contacted via phone in XXXX and I told them this was included the original debt in bankruptcy gave case number and never heard from them again and now its showing on my credit as a collections. I have the bankruptcy paperwork and gave that to them and have disputed this with all 3 credit agencys and it is now on my credit and is hurting my score and livelihood. This is not a valid debt it was in XXXX XXXX XXXX
Product: Debt collection

I advised them these amounts were not correct and would pay once resolved. It was not resolved. They call all the time and have sent letters in the mail. I disputed with the credit bureau and they responded by marking me delinquent over XXXX times and reporting Im unable to be contacted even though they call me almost daily and send me a letter in the mail.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  I have gone back and forth with Afterpay, a billing company for XXXX, telling them that I have overpaid them. They refuse to refund my overpayment, will not respond to my request for a comprehensive billing statement, and now are trying to charge me twice. I have paid my bill in full and over the {$3.00} they originally said I owed. They now say I owe them {$26.00}.
Product: Credit reporting or other personal consumer reports

Re : follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XXXX .I received a response stating that the accounts were verified on XX/XX/year> .I am formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) Per FCRA you are required to provide me with the information within 15 days or delete the negative items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and Experian continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. XXXX XXXX XXXX has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!