23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Based on the detailed facts below and attached documents, I am concerned that I am a victim of some type of attempted financial fraud by a collection agency or an alleged collection agency. On XXXX XXXX, 2015, I began receiving several alerts at the same time, from my credit monitoring service related to various companies who claim that I owe them a debt. The majority of what I could glean from the credit alert was that the alleged debts were related to medical collections although a few of the alerts did not state any circumstances regarding the debts. In the case of XXXX XXXX XXXX XXXX and XXXX XXXX, they appear to be the same company using the tactic of reporting the same collection to various credit reporting agencies but using different names in an attempt to damage my credit and coerce me to pay for a debt that I do not owe. I have never received bills from the said companies and I have no idea what the nature of the collection may be. 
In the case of ATG CREDIT LLC, the amounts owed are different than proposed by XXXX XXXX XXXX and XXXX but I am concerned that this company is somehow related to or acting on behalf of XXXX and XXXX since their collection attempt is also related to alleged " medical '' debts and it was reported to the credit unions on the same day that XXXX and XXXX placed the negative charge against my credit. In addition, if they are related companies coercing me to pay a debt not owed while holding my credit worthiness status hostage, the act of reporting the same debt to different agencies, changing account numbers, changing their corporation names and addresses is manipulative and is an exaggeration to deliberately coerce me to send money for a debt not owed. 
Please advise me whether or not this practice is illegal in the State of Florida or under Federal Law. I can not believe that we have a judicial system that allows scandalous collection agencies to use bully tactics to siphon money from unwitting citizens and furthermore, are not required to provide me with official notice of the details of the debt owed including the establishment where the debt was incurred, the dates and any proof of their allegations. I have not been provided any services by XXXX XXXX XXXX, XXXX XXXX or ATG CREDIT! 
NOTE : On XXXX/XXXX/2015, I called ATG CREDIT using the number ( XXXX ) XXXX to inquire about the debt at XXXX. I spoke to a woman who escalated the conversation to the level of a bully and did not provide details regarding the nature of the debt, the provider, the date, etc. A few minutes later, I called back to try and get another service representative and I did. I explained why I was calling and he politely told me to hold. The same bully got back on the line with a harassing tone and hung up when I asked her permission to record our conversation. She said she was recording me so I only thought it was fair to represent myself for future issues. To date, I have yet to receive the requested formal correspondence regarding the details of what the company claims I owe to them. The collection is still on my file. How is all of this legal???
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

About XXXX days ago I was going over my financials so I could file my taxes. In the mist of it I noticed XXXX transactions that werent authorized so of course I call to dispute them. Not even a full XXXX hrs later the claim was denied and my account was restricted. XX/XX/XXXX is here I have a XXXX week old newborn and no access to my money for food or rent. XXXX keeps giving me the run around and ABSOLUTELY NO answers. All they keep saying is oh XXXX so sorry I understand your frustration. And all of a sudden my account is being closed and again with NO explanation or reasoning.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. 

My credit score, and the credit score of my co-signer, has dropped significantly due to XXXX reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. 

In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a 24-48 hour process to change it and then another 1-2 hours to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXX XXXX as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another 1-2 hours. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every two hours if the email isnt received.
Product: Debt collection

I have been receiving numerous phone calls from Portfolio Recovery Associates for collection of a past XXXX XXXX credit card debt that was discharged in bankruptcy XX/XX/XXXX.
Product: Checking or savings account

$ XXXX was defrauded from my Chase checking account. The bank office is in XXXX, New Jersey. I called a number that was represented on XXXX as being XXXX help. The next day I realized too many unappreciated questions were being asked so I ended the conversation. When I next checked my checking account, there was $ XXXX missing. I immediately went to the Chase office. They found that a wire transfer had been made to XXXX XXXX making it look that it had come from me. They contacted the Chase fraud and Chase claims, but they indicated there was a good chance I would not get my money back.
Product: Debt collection

Home Depot Credit Card Serviced by Citibank has made multiple calls to collect a debt that was only a couple days past due. 

There were several calls made at the end of XXXX into XXXX but my phone log had cleared those. However below is the call log from the last 3 days. 

On Thursday XX/XX/2019 the company called 4 times, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

On Friday XXXX XX/XX/2019 the company called 4 times, again leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

On Saturday XXXX XX/XX/2019 the company called 4 times, once after I had already taken care of the payment, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. I had called and made a payment via the automated system at XXXX XXXX  for {$25.00} which cleared the past due amount. 

The payment was due XX/XX/2019 and a partial payment was received for {$30.00} on the due date. I am aware that my minimum balance due has increased and I was not aware that this company did not automatically charge the higher amount, much like all others, when the payment is set for autopay. I have signed in to change the amount for autopay each month to meet the minimum due.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX and ALLY Financial on XX/XX/2019. A consumer credit Transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX took cash stating it was needed to move forward with Ally Financial. The Finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

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 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 am disputing my public and personal information on all XXXX of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, XXXX and XXXX
Product: Student loan

I am making payments towards Public Service Loan Forgiveness ( PSLF ) on my federal loans, and my loan servicer is XXXX  XXXX. I have submitted Employment Certification forms twice per years, which then initiates a count of the current number of qualifying payments. 

XXXX has not correctly counted the number of qualifying payments I have made on some of my loans. In XX/XX/XXXX I requested an official recount of the number of qualifying payments for all of my loans. I was told this process would take up to 120 days. 

It is now the end of XX/XX/XXXX and I have yet to receive a recount of my qualifying payments. I have contacted XXXX several times about this issue. My latest contact was today, XX/XX/XXXX, and I was now told there is no estimate for the amount of time it will take to recount my number of qualifying payments. 

I am requesting the CFPB to hold XXXX accountable to complete a recount of the number of qualifying payments I have made.
Product: Credit card or prepaid card

This was previously reported to you under Complaint # XXXX. We received the attached XXXX statement with a $ XXXX balance ( also attached is the XXXX statement with more charges on it ), but according to my records, they still owe me for paying the XXXX bill, in the amount of {$340.00} twice ( once in XXXX, which was FINALLY received by them over a month later, but yet posted as if it went through a clearing house and not by the actual check that I mailed to them, causing me to not be able to get a copy of that check ) and again with the XXXX bill, since, according to them, they didn't receive it, but yet they did - XXXX  days before the due date. According to my calculations, they owe me for the XXXX payment of {$340.00} plus service charges and fees totaling {$30.00} for an additional amount of {$370.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is the result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus after the submission of the required FTC report, indicating an inconsistency in your reporting. I contacted the company associated with this account via phone call, and they confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX  XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is not bonded in the state of texas so im asking that this be removed from all 3 reporting credit agencies.
Product: Credit reporting or other personal consumer reports

On my credit report I have multiple inquiries coming from XXXX  XXXX that I DID NOT AUTHORIZE on the FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my credit report I have mutlple inquiry coming from XXXX that I DID NOT AUTHORIZE on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my credit report I have an inquiry from XXXX that I DID NOT AUTHORIZE on XX/XX/XXXX.
Product: Debt collection

National Credit Adjusters began reporting on my Credit Report a collection they claim to be from " XXXX XXXX XXXX '' about which I have no knowledge whatsoever. I have sent them Validation Requests in three Direct Mailings. I even included a copy of the XXXX FTC Opinion letter in my most recent mailing in hopes they would comply with Federal Regulations and either provide Validation or DELETE from reporting. I should also note they have ELECTRONICALLY VALIDATED this debt with each Reporting Agency. That is important because as you can see from their only letter of response to me. They have neither Investigated or Validated this debt. And even after lying to the Credit Report Agencies they once again just this month again listed this account as in collection and verified even though stating in writing to me that they would need more time to investigate, validate and report to me. This is very serious and in my opinion illegal and obviously unethical. This is the ONLY collection account appearing on my Credit Report and is doing me great damage to my otherwise stellar Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account in XX/XX/XXXX due to personal reasons. When speaking to a representative at XXXX Bank when closing the account she waived my {$25.00} late payment as a one-time courtesy and informed me that my {$200.00} security deposit would apply to my balance which meant I would not receive it back. I informed the representative that I was okay with that and was under the impression my account was closed. XXXX Bank has been reporting to my credit for years that my account closed on XX/XX/XXXX, because that date does not work in the companys favor, I am expected to take the loss for your company to drop the ball. XXXX XXXX had IT look into why XXXX has been reporting to the credit bureaus that my account closed on XX/XX/XXXX, and when speaking to her on XX/XX/XXXX, she stated IT could see something happened on XX/XX/XXXX, but didnt know what happened on that date. XXXX could not pinpoint what happened on that date and has no factual evidence of what happened but only a date embedded in your system she stated it could be changed to XX/XX/XXXX. As you can see, nothing is consistent with the information that has been told to me. The previous representative XXXX informed me that she could see where the account was closed on XX/XX/XXXX, so where is the disconnect coming from? XXXX XXXX informed me that XXXX closed my account on XX/XX/XXXX, because of a lack of payment and activity. Once an account is closed, the system triggers the deposit to apply to the balance within 24 hours. I asked her how it was even possible when the billing statement says the deposit was applied on XX/XX/XXXX. Her response was the system probably generated a generic date but, in her response that I have attached to this email, she stated my account was closed on XX/XX/XXXX, and the deposit was applied on XX/XX/XXXX. Please reference ALL calls for evidence.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I was in process to buy a new cell phone on XXXX website and chose to finance my purchase by way of monthly payment over 36 months. The site directed me to TD.com for approval. I was asked to call ( XXXX ) XXXX in order to complete the credit application process, which I did. After verifying my information, I was put on hold for a while and then was told that my credit application was denied and I would receive further information by mail. 

I paid for the phone in cash using my credit card. 

I received a standard letter stating denial of credit and asking me to contact TD Bank for further information within next 30 days, which I have done. by email as follows : Quote I am in receipt of your letter dated XX/XX/2021 denying credit for purchase of XXXX phone. I am highly surprised by it and also extremely disappointed at TDs incompetence in handling of this matter. 

In short, I am considered as a high net worth ( can provide the documents for liquid assets of about {$2.00} XXXX ) with excellent credit score over my entire life, never had a single overdue bill in my entire life, NO DEBTS, fully paid up home, no car loans, no consumer loans. I have two credit cards issued over decades ago which have never had outstanding balance and one decades old credit line for overdraft protection which has never been used. I have high income and have been charging between {$7000.00} - {$10000.00} per month on my credit card for decades, which is paid off in full each month. 

I do not see any reason for denial of credit based on my financials and would like a detailed explanation to show that such denial was not based on illegal discriminitory practices under the law. I am also filing a complaint to this effect with Consumer Financial Protection Bureau. 

I look forward to hearing from you. 
XXXX Thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX {$1100.00} opened XXXX, Account name : XXXX XXXX # XXXX {$750.00}, Account name : XXXX XXXX {$2000.00} opened XXXX # XXXX, Account name XXXX XXXX XXXX {$8300.00} OPENED XXXX # XXXX, Account name XXXX XXXX {$1200.00} # XXXX opened XXXX, Account name XXXX  XXXX # XXXX {$1200.00} OPENED XXXX, Account name XXXX XXXX # XXXX {$180.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. Please delete these inaccurate and unverifiable accounts