23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company called me claiming to be some type of arbitration and mitigation company. They said I had a debt from Citibank from a card I opened in XXXX. They stated that I paid on the card for three years before I defaulted. When I tried to explain to them that there was some type of mistake because : 1. I never had a Citibank Card 2. I have never heard of this debt before now.

3. In XXXX my credit was so bad there was no way citibank would give me a card. 

The lady got mad and hung up on me. I called back the next day ( XX/XX/XXXX ) and the rep would not give me the spelling of the company name so I could write it down. I tried to get the address of the company and she refused to give me the address. After once again threating me with legal action the representative got angry and ended the call again. Unfortunately all I have is a phone number that I was able to call back on XXXX. This company needs to be looked into. The rep had all my information, my current address, my social security number, my drivers license number and my previous address. I didn't not verify or provide any of this she already knew it. 

A few thing that didn't add up 1. She called it Citibank but didn't seem to know who Citigroup was. 
2.I recently purchased a home so my credit report has been reviewed many times and this was not on there.

3. She had my place of employment when I opened the card as XXXX. XXXX which is a failed LLC that I started years after she said I opened the account. That could not have been my place of employment because it didn't exist at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to do a pay for delete with XXXX XXXX XXXX XXXX. I paid an account of that was charged off to collections. Once I paid the account off, XXXX refused to delete the negative reporting off my credit file with the 3 credit bureaus as they agreed to do so.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Disputing collection accounts on my credit report from Experian did dispute a year ago received notification it is mine asked for roof of investigation namely what was done to investigate and also what process was used. I received no follow up response the items still remain on my bureau and they are affecting me and my score They are also reporting me as deceased when I am not I have been fighting with them to get that removed and updated as well as my personal bio
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL XXXX BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}
Product: Credit reporting or other personal consumer reports

All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
I demand that this company delete and or update these accounts on my credit report or I will have no choice but to forward this to my litigation attorney. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report
Product: Debt collection

I had a payday loan with Ace Cash Express from years ago that I did not pay because I fell on hard times and lost everything. I got contacted by XXXX XXXX the last time on XX/XX/2018 the last time. They had a " professional locater '' call me and threaten me to be arrested any minute and that they had a warrant then she gave me a number her number is XXXX. She told me that a medaiator company is who was handling my account and gave me this number XXXX called XXXX. I talked to them and they made the same threats and I was scared so I gave them my account info. I thought about it and then called the FTC then CFPB after they reffered me. I spoke to both and they told me it sounded like a scam and to stop the debit so I closed my account and opened a new one. They also told me ask for their license. I called XXXX  back and told them I was filing a complaint and I needed the license number and their names. The desk girl got really upset and said she just worked the desk, she had no idea what they were doing and she knew it wasnt right and she didnt want legal problems and said she would stop the payments. She pretty much admitted that they were a scam. the email that the sent stuff from was XXXX they call themselves XXXX XXXX, XXXX and XXXX  XXXX. I asked them to email me everything and the refused the would only email a payment schedule. I want to press charges, they had me in tears acting like they were on their way to arrest me and then scamming me out of my money. I called ace cash express and the debit has been sold and I couldnt track it, where they said they sold it no longer had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX  XXXX XXXX, IN XXXX
Product: Money transfer, virtual currency, or money service

My East West bank account was closed by them in XXXX. My account number is XXXX and my name is XXXX XXXX. However, they still charged me {$25.00} per month for the management fee of the account after the closing.
Product: Debt collection

I saw that my credit score of XXXX plus had dropped over XXXX points in XXXX of XXXX. I looked at credit report and saw a collection debt from XXXXGenesis for a rental at The XXXX XXXX  in fort XXXX XXXX XXXX of XXXX. I knew nothing about it and called Genesis and sent them all the info they requested proving it was not me on XX/XX/XXXX. They are still calling me and asking for payment as of XX/XX/XXXX. The person using my ss # gave wrong drivers license info, wrong email, wrong phone, wrong occupation ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

I want to remove any late payments in my XXXX  XXXX account, XXXX XXXX - XXXX XXXX  account, XXXX XXXX XXXX account and XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Home Depot consumer. I was denied. I contacted Home Depot credit services. I asked why I was denied. The lady told me too many inquiries. Ok? 
Me : Who decides whether or not I receive credit? 
Citibank Representative : The computer system. 
Me : Well, obviously, a human made the computer system/ software. So, there was human involved in making that credit decision ... 
Me : ... asking more questions. 
Citibank Representative : Sir I don't make the decisions, the computer does. 
Me : ( More questions ... ) Citbank Representative : ( Maintaining the same posture ) ... the computer makes the decisions.

Me : ( Frustrated ) Another attempt at obtaining a Citibank credit card from Costco on XXXX??, XXXX : DENIED! 
Why : Account restricted ; Late payments ( over four years ago. No late payments since XXXX ) ; Delinquent account ( even though accounts have been paid off ) ; & et.c
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I've sent multiple emails to XXXX XXXX customer support and their funding arm XXXX XXXX XXXX  requesting explanations for sending my current account to collections causing a XXXX points drop in my credit score. I was honoring their own repayment terms per their own repayment agreement... .no delinquencies. 

XXXX replied to me via EMAIL ME TODAY, XX/XX/year>, AND REFERENCED MY XX/XX/year> phone call with customer support. 
NOW If I made a XX/XX/year>XXXX XXXX XXXX customer support phone call to arrange skipping XXXX and XXXX payments and repaying them ..... 

HOW COULD XXXX XXXX XXXX  STATE THAT I MISSED MY XX/XX/year> PAYMENT IN A XX/XX/year> PHONE CALL? 

YOU CAN'T MAKE THIS STUFF UP. 

XXXX STATES, XX/XX/year>. I'M QUOTING ...... 
" We have reviewed email communications and listened to the call made on XX/XX/year>. In the call, you noted that you were unable to complete your payment due for XX/XX/year>, and our representative noted that you had already missed your XX/XX/year> payment. '' YOU CAN'T MAKE THIS STUFF UP. 

I told XXXX ( XXXX XXXX XXXX  ) I would secure phone records if I did not receive copies of the original line of credit agreement and the repayment agreement. 

Despite being current with my line of credit account, despite honoring the repayment terms as defined by their own repayment agreement, DESPITE XXXX LYING ABOUT FACTS O XXXX XXXX XXXX XXXX STILL CHOSE TO SEND my CURRENT account to Transunion collections XXXX 

I've contacted XXXX XXXX, General Counsel for XXXX XXXX XXXX, regarding this matter. Since there's no email for XXXX XXXX  on XXXX website, I have messaged XXXX XXXX via XXXX. IN my XXXX message I REQUESTED an explanation for sending my CURRENT line of credit account to Collections. 

Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of my spouse not working due to the pandemic we had to do a Forbearance and later a loan modification. The credit bureau is showing we have late payments on our accounts. 
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 1881. 
XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX- Account XXXX XXXX Experian XXXX XXXX XXXX XXXX-Account # 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 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 items 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : XXXX verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX  dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX  are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately.

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Student loan

In XX/XX/XXXX, I called my student loan servicer ( Nelnet ) to ask when I needed to recertify my income-based repayment plan. I was advised I needed to recertify by XX/XX/XXXX. I was misinformed. My actual recertification date is XX/XX/XXXX because of government initiatives. In good faith, I recertified my income in XX/XX/XXXX. Now my payments are much higher than I can afford even though my income increased. I called Nelnet today ( XX/XX/XXXX ) asking what I could do. They said I can not cancel the recertification, even though they told me the wrong information. I would like to be put back on my old income-based repayment ( IBR ) since I was 1 ) misinformed and 2 ) there were no notifications ( emails, letters ) that I received regarding recertifying later than XXXX. I am willing to pay my student loans but would like to recertify my income at the actual assigned date in XX/XX/XXXX since Nelnet misinformed me. I want to be able to take advantage of the new XXXX coming in XXXX like the rest of the country.