23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After the law firm aggressively pursued our family over a lawsuit initiated by my estranged Mother, it appears that this law firm has also purchased some of my debt and are now also trying to threaten me with a law suit to recover it. 

In the letter they advise that they have been retained by XXXX XXXX  to collect its claim against me for the balance due on my XXXX XXXX Credit Card, and utilize on behalf of our client in a second letter - however when I called XXXX to discuss this with them, they advised that they can not discuss it as the debt was actually purchased by the firm. 

Therefore the law firm are threatening me with a law suit, acting as though they are being instructed to by XXXX, when in fact they are a debt collector who purchased this debt from XXXX and it has nothing to do with them any more. 

With the history of the family-based lawsuit, it seems very unethical for the law firm to now try and threaten me with legal action over this debt, and to act as though they represent XXXX.
Product: Credit reporting or other personal consumer reports

Lately Ive been looking at my credit reports and see major and minor hiccups from companies. XXXX XXXX  has a late payment dating back to XX/XX/2020. It still appears there after I complained to them about me making a payment and they processed it late, so it still showing up as a negative on my credit report, I want this problem solved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXHi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Credit reporting

Equifax has violated the terms of FCRA violation section 611 5 B ii. I have had XXXX accounts reinserted on my credit report without any notification. According to 6115 B ii the credit bureau is required to send me notification within 5 days with the statement that the information disputed has been reinserted and the business name and address of any furnisher of the information. I have NOT received ANY information, documentation, or communication from Equifax. 

I received investigations results on XXXX XXXX, 2016 and XXXX XXXX, 2016 stating that the following accounts had been deleted from my report. However, my most recent reports shows that these accounts still remain on my report. I have NOT received any notification, or verification for reinserting these accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the above accounts deleted from my report immediately as it 's a strict violation of 611 5 B ii
Product: Credit reporting or other personal consumer reports

Need all three credit bureaus to remove this as its been over 7 years the California business bureau collection has been on my report. Its against the law to report anything without my permission.
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 


incorrect names : 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 INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Unathorized inquiry. 
XXXX XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX  Date of inquiry : XXXX DELETE!! 


Unathorized inquiry XXXX Date of inquiry : XXXX Delete!! 


i noticed this issue in XXXX  correct information needs to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account Number:XXXX  please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account Number:XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX  Account NumberXXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX {$75.00} and {$82.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditor Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation Remove immediately as other 2 bureaus have, against F.C.R.A. law
Product: Credit reporting, credit repair services, or other personal consumer reports

I never took out a loan with the XXXX XXXX XXXX in XXXX of 2015. I was XXXX at the time so this is virtually impossible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX pm i transferred XXXX dollors from my current mobile bank app to my XXXX app account it was a debit to debit card transfer it took 30 minutes for it to be transferred it went smoothly but on XX/XX/XXXX the very next day at XXXX am i did another transfer of XXXX dollars it never was transferred from my current bank app to my XXXX account i made the same exact transfer as the day before in my current bank account it says pending but customer service from XXXX XXXX XXXX  says there was no kind of transaction from my bank i explained it to my current bank customer service they said they cant help me i have to deal with the merchant but they never received the transfer so i called back the customer service at my bank she says that it takes 10 days for it to process but the day before it took 30 minutes because it was a debit to debit transfer she never looked into my account to see what was going on with my transfer so now either side dont know where my XXXX dollars is at my current bank account has the receipt # the day and time of my transaction but they dont know where my funds are XXXX account have no transaction of my funds being transferred i explained this to my online current bamk customer service and she was rude and told me that there is nothing they can do ive banked with current for over 6 months now i direct desposit over 2000 dollars with this bank every month i entrusted them with my direct desposits and they just wont look into the matter the receipt # for the XXXX transfer receipt is XXXX it the date of thus incident was XX/XX/XXXX at XXXX in the morning i really need help to resolve this issue i appreciate if simeone would help me i work hard for my cash and i just dont like my money being lost from a bank that i entrust with my funds
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for reporting inaccurate inconsistent fraudulent information as me being a victim of idenity theft/data breach I am attaching a ftc report XXXX XXXX as proof.under 15usc1681 c-2 ( a ) they must block/delete these fraudulent accounts within 4 business days of receiving this complaint.acount # XXXX XXXX  acount # XXXX balance {$26000.00} opened on XX/XX/XXXX acount # XXXX acount # XXXX balance {$1400.00} opened on XXXX acount # XXXX XXXX XXXX # XXXX balance {$170.00} opened on XX/XX/XXXX and acount # XXXX acount # XXXX balance {$63.00} opened on XXXX XXXX please block/delete these accounts within 4 business days pursuant to 15 usc1681 c-2 ( a ) victim of idenity theft/fraud please send me an updated credit report reflecting these accounts removed to XXXX XXXX XXXX st. XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

This corporation unjustifiably has turned negative information into the credit bureaus on my husband and I ruining our credit. Credit Snowball affect occurring. My husbands truck was totaled on XX/XX/2016. Our insurance company paid Toyota Motor Credit on XX/XX/2016, Gap insurance paid balance on XX/XX/2016. Received bill for payments past due XX/XX/XXXX totaling {$990.00}. Called and was advised that I did n't have any payments past due, but did owe {$1000.00}. I asked what for and was told XXXX different reasons from XXXX different people. Panicking I just paid it without understanding what it was for. NEVER RECEIVED A BILL FROM THEM FOR THAT AMOUNT. I 'm assuming it 's for my insurance deductible. This corporation has ruined my husband and my credit!!!! UNACCEPTABLE!!!!! If at ANY point I owed them money I would have paid it!!!!!!! I have everything documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently obtained a copy of my credit report and found incorrect items currently being reported which I am requesting you investigate per my legal rights under the Fair Credit Reporting Act : XXXX XXXX, XXXX. Acct # XXXX Please verify the current balance on account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

XXXX # XXXX Please verify the 30 day late payments on the account within 30 days of receipt. If this information cant be verified, I demand the deletion of this account. 

Enclosed you will find a copy of my driver 's license and social security card.
Product: Debt collection

On XX/XX/2021 I sent a Debt Validation Affidavit to PORTFOLIO RECOVERY ASSOCIATES in regards to an alleged account that is listed on my credit reports. I allowed 30 days for PORTFOLIO RECOVERY ASSOCIATES to respond with the required documentation according to 15 USC 1692g. They received my documentation according to my certified mailing receipt and have not sent any information. PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this invalidated information to my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received an alert that an inquiry had been made into my XXXX credit report that I did not initiate.
Product: Debt collection

Starting from XX/XX/2019 I have received repeated phone calls from Citi Bank they will call 7 days a week and leave voicemail after voicemail repeating the same information. It comes off as a courtesy call to check my citi account which means to make a payment towards my account. There has been several occasions where I have made a payment and the very next day the phone call start up again. I have blocked 4 numbers so far but the calls have yet to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on credit report and is on my public records
Product: Credit card or prepaid card

I opened a secured credit card with Capital One in 2010.  The credit card mail me back the deposit and make my credit card unsecured. The problem is how I can use a credit card with {$500.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score. I 've being using XXXX card because they gave my high limit and already increase without I 'm asking. 
I would like to have a fair credit limit and better relationship with Capital One.
Product: Debt collection

They are claiming I owe money for a ticket on a car and license plates I have never owned. They are contacting me by postal mail. I have called them to stop, they are rude, laugh at me, and continue to insist I pay them. 

They are threatening judgment liens against me and to have my driver 's license suspended.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies reported on my credit file concerning account number XXXX. Upon reviewing my credit reports across all three major credit bureausXXXX Equifax, and XXXXI have identified several discrepancies that need immediate correction. 

Payment Reporting : Your records indicate that I made a payment of {$1300.00} in XXXX, which is inaccurate. I did not make a payment of that amount during this time. 

Late Payment Reporting : The account is reported as never late to XXXX, yet a late payment for XXXX has been reported to Equifax and XXXX. I confirmed ( with a XXXX  XXXX team member who refused to provide documentation to me regarding my account on XXXX at XXXX XXXX. ) that my XXXX payment was received within 29 days of the due date, therefore my XXXX payment was not late. 

This inconsistency in reporting is misleading and damaging to my credit profile. 
Given these inaccuracies, I kindly request that you update my account status to open, never late across all three bureaus. Please provide me with written confirmation of adjustments made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance  ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I have contacted company by Mail not to contact me regarding debt on XXXX XXXX 2016 and they continued to contact me regarding the same debt, the last contact was on XXXX XXXX, 2016 via mail. I have tracking numbers of USPS Priority mail mailings as proof.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just called my mortgage lender, Shellpoint mortgage services, to inquire, NOT SIGN UP for mortgage forebearance. One of my tenants was possibly having trouble paying rent so i merely called to find out what forebearance was all about in case they couldn't pay for an extended period of time and wanted to know just what my options would be at that point whenever that was. I didn't sign anything, or agree to ANYTHING! 
All of a sudden they have me in the forebearance program ( which i have now opted out of ), and put on my credit report " affected by natural disaster. '' This has affected my credit score and now made refinancing my mortgage harder for no reason. 
I have NOT missed any mortgage payments and never signed up for anything. I have already tried to dispute this through the bureus with some luck but still on some of them. I think XXXX  is the only one that has had it taken off. 
They say that i said on a recorded phone call that i was " affected. '' Never did i say this. 
I would really love this taken off, i have NEVER MISSED A PAYMENT! what's the point of this? They said forebearance wouldn't affect credit anyway. Liars.
Product: Credit card

Ive paid this account twice and the company told me the payments were returned and thats why the account was closed. I never received my payments back into my bank account.
Product: Checking or savings account

On today XX/XX/XXXX, I went to my bank to withdraw funds that were deposited from the SBA small business loan that I was approved for. 

Everything was fine, the teller asked me how I wanted my bills, and while she was counting, the assistant branch manager, placed a hold on my funds at that very moment. 

The assistant started asking me if I even had a business and that she needed to see proof of my business in order to release my funds. 

I called customer service and they were not familiar with any policy requiring a customer to prove they have a business before withdrawing funds and that the assistant branch manager had just placed the hold on it when I was sitting waiting on the bills to be disbursed. 

I was racially profiled and denied access to my funds and they will not release my funds until I show proof of my EIN and business license. 

The bank didnt provide my loan and I dont feel comfortable providing my business information on a personal account. 

This is unfair treatment and I am certain illegal practice. 

The assistant manager refused to provide the branch managed phone number or any other phone number to allow me to dispute, escalate, or file a complaint.
Product: Credit card or prepaid card

My XXXX and I have an American Express XXXX card since XXXX and we have always made payments on time. My credit limit was {$9500.00}. 
About XXXX month ago, my card was declined. When I called Amex, they informed me that someone had used my name to obtain an Amex business credit card and had made large purchases. I asked them to start a fraud investigation and they informed me that they had already done so. 
On XXXX/XXXX/XXXX, Amex sent me a letter informing me that they had taken necessary steps to close the fraudulent account and remove derogatory information from my credit report. 
I have made a number of calls to Amex to find out the latest situation but have been transferred from XXXX department to another but without any resolution. 
Yesterday, XXXX/XXXX/XXXX, I tried to use my card again but was declined again. I called Amex and once again, I was transferred to XXXX department to another but without any firm response. All I was told was that my credit limit had been reduced to {$3000.00} for reasons not explained to me. 
I have been a loyal Amex customer and do not know why my credit limit has been arbitrarily reduced.