23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left.
Product: Credit card or prepaid card

In 2019 I received a settlement from XXXX for the privacy breech. This year after years of on time payments and several payoffs on my costco citi card my credit limit was reduced to {$500.00} without cash advances from {$2000.00} limit. They sent some letter saying XXXX sent a low score but my score has been in the mid XXXX to XXXX and I continue to monitor my credit due to fraud. I see this as a retaliation by XXXX because none of my other cards have done this action and after all my work of on time payments and payoff I should be getting an increase. This decrease will only hurt my credit score in the long run doing the opposite of what I was hoping to achieve in better credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX. Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 4. The inquiry was not authorized SHEFFIELDF Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 letters were sent out to the bureaus to correct inaccuracies on my credit report. Incorrect names, addresses, phone numbers and employers were listed and I asked for the removal and deletion of these items. There were also unknown inquires listed that I do Not have an account for and are unaware of who requested these inquires without my written consent. I want all these inquires deleted as stated in my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report and I want them to remove it
Product: Credit card or prepaid card

I checked my credit report and it stated that I had made a hard inquiry with Amex. I immediately called them to let them know it I never made any inquiry. I received a letter stating that they recently attempted to speak with me regarding a security concern on my account. AN ACCOUNT THAT I DO NOT HAVE. I called them again and spoke with a Fraud representative stating they will investigate and immediately close said account. It is so scary to know someone had used my information to create an account. The representative told me they can not disclose to me what the card or the account had been used for. But that I will receive a letter within 30 DAYS to summarize their investigation.
Product: Debt collection

IQ DATA INTERNATIONAL is attempting to collect a debt for an apartment complex ( XXXX  ) I lived at 3 years ago. They claim I owe rent beyond the end of my lease due to lack of notice and for damages. The lease terms were completed and a joint move out inspection was requested. The management did not respond. I have documentation to support. 

IQ DATA INTERNATIONAL is reporting this debt to my account every 3-5 business days. My credit score was XXXX prior to this abusive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was paying month to month at an apartment complex XXXX XXXX. After I gave notice of leaving and paying my last month because I got a job opportunity and moved to a different city I received a notice months later about a payment. that was fraudulent and their fraudulent practices is probably the reason this company is out of business and its not fair me and my XXXX have XXXX for this because when my report is pulled they see this false debt.
Product: Credit reporting or other personal consumer reports

My auto loan on my credit doesn't update each month even after sending payments on time which is influencing my credit score. 
I disputed my Account status for XXXX XXXX twice with Equifax and even after two months, my credit report doesnot reflect monthly payments. My account status is current and I made XXXX and XXXX payments but my credit report states no data available for that time period. 
I have tried to message XXXX XXXX again and again requesting them to reflect my each month 's payment on credit report but they do not care and equifax print same dispute results for me without reflecting any changes.
Product: Credit reporting or other personal consumer reports

i called transunion to have unauthorized inquires removed and was told to file a complaint because they cant remove inquires without reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On Friday, XX/XX/2022, I attempted to withdraw {$500.00} from an ATM. The ATM malfunctioned, did not disperse my money and presented a message that said something to the effect of, " Notes are not tendered, your account will not be charged. '' The next day, it showed that the transaction did in fact post to my account with Current Bank. I opened a Regulation E dispute with Current on Saturday XX/XX/2022. There has been zero communication from the company since then, their customer service refuses to let me speak to their dispute department and they have passed the 10 Business Day requirement of Regulation E to provide me with a temporary credit to cover the fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaints already my XXXX complaint to be submitted through the CFPB! I am bothered by the ability of the Credit Bureaus to do nothing to correct my Credit report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. Despite the multiple letters I have been sending, the Credit Bureaus have been ignorant of their duties to comply with the FCRA section 605b. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up. 
The date on which you contacted the individual information furnishers. 
The method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or XXXX. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.
Product: Debt collection

This is referring back to my case last year XXXX, I am constantly trying to get this resolved while Affirm continues to provide no updated information nor help. I have contact Affirm numerous times via email and phone and all they say is someone will contact me, this has been for the past 2/3 months no one from Affirm has ever contacted me regarding this. 
Affirm claims I owe {$2400.00} towards a debt for an item I told them I never received, since affirm refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of Affirm. Anymore questions contact affirm, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap
Product: Debt collection

After recently reviewing our credit reports from Transunion, XXXX and XXXX, we were shocked to see a firm called XXXX stating that we were delinquent. We never heard of XXXX. According to Transunion there is payment history from XXXX, but was never provided. Disputes have been submitted to remove XXXX from our credit reports, but Transunion is the only credit reporting agency that hasnt removed it. Please help us keep XXXX and Transunion from attempting to cause us financial/employment harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.
Product: Credit reporting or other personal consumer reports

Transunion reactivated a settled account that had been settled XX/XX/XXXX by a Third Party ( XXXXXXXX XXXX XXXX XXXX ) originally XXXX  XXXX. Originally, I was told by Transunion through a phone call inquiry, this suddenly affected my last updated credit score because an amount of {$710.00} was newly reported as well as missing payments that had already penalized report two years prior. After investigating this through all companies involved it has shown as settled and resolved on my credit report since XXXX. The {$710.00} is in dispute as it was paid in full, however I do not have proof of payment due to the time that has passed and believing it was all in good standing. However, I have since found out XXXX XXXX did not change or report anything regarding this account nor did the third party collector. Transunion plunged credit score by 90 points with no change in status of this account or any other accounts listed on said report. 
All current accounts in good standing, zero poor remarks, zero late payments and zero hard inquiries. The closed accounts have not changed status in 2 years and Transunion unlawfully utilized a settled and resolved closed account to lower score significantly without any cause. 
Through this act, it brought attention to the fact that account was not at zero, regardless of result of dispute, this should not have affected current score as it has been listed as same on closed accounts for two years.
Product: Credit reporting or other personal consumer reports

IN accordance with the fair credit reporting act account # XXXX has violated my rights 15 U.S.C1681 Section 602 A. States 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

I agreed to a settlement offer over the phone with a female Rep at Genisis Credit Management. The payment arrangement was set at {$50.00} payments. The Rep said that the settlement offer will follow in the mail, after I make the first payment, with the details of the {$50.00} payment arrangements, the final settlement offer of amount of {$2500.00}. The letter was never received by me. They would only provide documentation of the payments I made, never a settlement letter. I followed up every payment made by requesting the letter. Later, I was told by a new Rep, that their records do not show a settlement offer was in their system. Late last year, I was finally able to speak with a manager, XXXX, who reviewed the account notes and informed me that the Rep NEVER setup the settlement and he is not able to honor a settlement. I asked him why would I pay {$2000.00}, without a settlement offer to a collection agency. The manager, was not helpful and unwilling to offer any type of assistance in the matter, he demanded balance in full. I informed him that they have misrepresented and LIED, in the efforts to obtain and secure payments. I have made several attempts, multiple conversations with Reps, who identified themselves as Managers and then disconnected phone calls. However, I would later receive a phone call, I requested each Rep to read previous notes. Ironically, the previous Rep did not make specific notes, just that I was hostile in communications.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempts to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting of two accounts by Experian and associated mismanagement by XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ), with both accounts erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score. 

Given the severity of these inaccuracies and the direct impact on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX opened on XX/XX/year> Hard inquiry inquired with XXXX XXXXXXXX XXXX on XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX / Columbia Debt Recovery The unpaid balance with XXXX comes from XXXX XXXX XXXX 

The apartment company sold the account claiming an unauthorized charge. 

{$170.00} matches with the last utility charges as agreed. 
{$190.00} are unjustified charges ; the company claims the money for damage, there is no damage according to our agreement when we checked into the property. 

The property manager said the administration paints the walls for new renters. All I need to do is cover the holes if some to hang a portrait when I leave the apartment ( which I did ). I attached some pictures from the property when I left it. 

Find in the picture the details of the walls as I left them when I left the property, XXXX XXXX refused to walk the property together with us to receive the property and close the contract, it is one of our rights so we can clarify properly right away.