23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i received a daunting correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX stating and I state verbatim. 

XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. We would like to offer you the opportunity to resolve your account for less than the total amount of the debt. The creditor will accept {$280.00} to resolve your account if the payment is received by XX/XX/XXXX. We are not obligated to renew this offer. This offer and the timeframe for accepting it does not in any way affect your right to dispute or request verification of the debt by XX/XX/XXXX as described in this letter. If you do not accept this offer, you are not giving up any of your rights regarding this debt. 


You had an XXXX XXXX XXXX XXXX XXXX account with account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, you owed : Between XX/XX/XXXX and today : {$1500.00} You were charged this amount in interest : + {$0.00} You were charged this amount in fees : You paid or were credited this amount + {$0.00} toward the debt : {$1000.00} Total amount of the debt now : {$570.00} Call or write to us by XX/XX/XXXX todisputeallor part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, wemuststop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
XXXX Whatelse can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we will stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at XXXX. 
Go to XXXX XXXX XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. To Make Online Payments Visit : XXXX Use Reference Number : XXXX Your XXXX I can find many things wrong with this daunting letter from this alleged creditor who is clearly trying to swindle {$280.00} out of the claimant is theres more than five or six violations for one is permissible purpose because XXXXXXXX XXXX XXXX XXXX report XXXX my consumer report without my permission, consent, or knowledge, until after the fact which was right away, disputed and taken down, which deletion proves no admissible purpose, trying to connect a debt at the same time as the original creditor, trying to collect a debt as well sitting here, looking at that collection letter with over seven violations and Im looking for monetary relief cease and desist on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Harley Davidson is reporting a debt on my credit file I do know. I had disputed this information because I thought that the insurance paid the debt, after my findings that they didn't I contact Harley and settled the debt with them. Yet they are still reporting this erroneous balance on my credit report. I need them to remove this immediately.
Product: Credit card

I, XXXX XXXX XXXX, on XX/XX/year> tried to pay my credit card payment at a physical branch of the wells fargo bank. The branch being the bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The teller I ended up with was being trained by the bank manager XXXX XXXX. I offered to pay my credit card with my debit card. She immediately said you can't do that very rudely. She acted like she knew me. I informed her iv done this several times before. She then said we will have to do a cash draw on my debit and there will be fee. I said no ma'am thats never happened before. She was so rude and condensing our whole engagement. I didn't understand what was happening and why I would be charged a fee to just simply pay my credit card payment. She immediately got defensive and then said very loudly so that everyone in line could hear her tell me she does not have to take my payment and threatened to have security remove me from the bank. I honestly feel like the way I'm being treated by this bank is retaliatory for all the complaints iv filed with the CFPB, the numerous complaints iv filed with the bank itself and all the negative reviews iv posted online. I just want to pay this credit card off. The way iv been treated by this bank has affected mentally. Everytime I come to this bank or any other for that matter I have to take my XXXX meds it's that bad. No one should be embarrassed and harassed in this manner for doing the right thing and paying there bills. This world is hard enough with out people like XXXX XXXX and the bank she represents preying on people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect name reflecting on my credit report at least 4x 's in the past 6mths, via online disputes and only half the report gets corrected. 

My name is XXXX XXXX XXXX. I am not sure how an incorrect prefix of XXXX keeps getting attached. I submitted a dispute on XX/XX/2020, regarding the incorrect prefix reflecting on my name and provided a copy of my Drivers License and received an email on XX/XX/2020 indicating that my dispute was completed, however my name on the credit file still shows incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. I did not give written instruction. 

According to the law : 15 U.S.C 1681 section 602 A. State 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: Checking or savings account

Account opening promotional bonus not credited within 95 days as stated in the terms.
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account with my written instructions.
Product: Credit reporting or other personal consumer reports

I only asked for trial, not for paid membership. Please cancel my membership ASAP and refund charges as I did not ask for it to be charged. Provide me with receipt of payment, and now, cancellation ASAP. Experian IdentityWorks Customer # : XXXX ( XXXX XXXX ). {$31.00} is the amount and do not charge my any more! 
Please follow up! 

Send to : Experian IdentityWorks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Customer # : XXXX ) PLEASE REFUND ME AND SEND ME A LETTER BY EMAIL AND USPS MAIL.
Product: Debt collection

Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

AARGON AGENCY INC Reported : XXXX XXXXXXXX XXXX XXXX {$750.00} Needs Attention AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I have called Aargon agency and XXXX XXXX for a break down of my bill and payments I have made. I was told account was paid in full. I asked for Letter stating account was paid in full. They refuse to issue payment receipt or receipts for any payments I have made. I can not provide a final payment without a statement or receipts for payments I have made. The account was sent to collections without verification of amount due and notice to me with an accounting break down. I was sent back and forth between XXXX XXXX and Aagon Agency. A simple account break down of payments and amount due has not issued. Just demands for payments have ben made. Unethical business practices. Please take this off XXXX credit reports and issue what I asked to make a proper payment " IF OWED ''. The amount in question may be in correct.
Product: Mortgage

Being over charged Requested copies of payment history from start up to present ; request has not been met Several payments have been made however monthly payment statement, reflects those payments have not been applied Forbearance was approved for suspended payments ( due to COVID ). I was told these payments would be put at the rear of the loan. However, each month actually accumulated. When I called to inquire I was given a totally different story ; their word against mine and all late payments had to be caught up at one time. Therefore I request the forbearance request be cancelled. There was never a cancellation letter provided or a status on this request. The loan is now current however this issue was never resolved. 
At the direction of my insurance agent, I requested to stop my escrow payment and explained I would pay through the insurance company direct. I have made the request as well as my agent more than once. Agent even informed payment arrangements have been made to automatically withdraw payments each month. Wells Fargo will not honor this request I have been assigned several agents that have consistently fail to provide explanations for their handling.
Product: Debt collection

On XX/XX/3020 XXXX XXXX XXXX XXXX ( XXXX ) submitted my account for collection to Commercial Acceptance Company ( CAC ) for the amount of {$83.00}. I am not aware of any unpaid bills nor was notified by XXXX of an attempt to collect this amount prior to submission to collection agency. 
Email was sent to my primary care office of the above including copy of the CAC letter last XX/XX/2020. No response was given. 

I have sent a certified letter to CAC last XX/XX/2020 and have not received a response regarding verification of same amount.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX  The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX. Pursuant to XXXX of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within XXXX business days ( see 12 CFR 1022.142 ( XXXX ) ( XXXX ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see 12 CFR 1022.142 ( f ) ).
Product: Vehicle loan or lease

Hi yes I tried contacting ally corporate about seeing if I can get 2more months extension on my XXXX XXXX XXXX. They did give me already 2prior exstentions due too financial hardship with medical bills etc. I'm hoping I can get XXXX and XXXX exstentions without the up front fees. Last exstentions they waived the up front fee because can't afford the feds. Hoping too get 2more exstentions without up front fees. The person I talked too last time told me he would check with dept manager. The manager approved my exstentions without up front fees. Manger sent me letter in mail for me too sighn which I did at that time. I should be all caught up on bills by XX/XX/XXXX. I also was diagnosed with XXXX. I'm on XXXX just going thru hardship right now. Living paycheck too paycheck. As it stands right now can't make XXXX and XXXX payment due too hardship. Again I tried calling corporate 2times no call back.
Product: Credit reporting or other personal consumer reports

Equifax is reporting this account late and shouldnt be.
Product: Vehicle loan or lease

Santander illegally repossessed my vehicle. they claimed they sent me a notice about taking the vehicle but this is a letter that i never received. they did not send this by any form of traceable mail that proves that i received this letter. I was unaware that this was going to take place they didn't give me any notice and i didn't receive a letter at all. then after the vehicle was taken by them they failed to make sure i received the letter that tells how much time of i have to get my vehicle back and how much it would be. They sent this letter via traceable measures but it was returned to them and i never received this letter either. Nor did they attempt to resend the letter to me to make sure that I in fact received it. they still have the vehicle and since it was illegally repossessed i want them to either remove this collections from my credit report or provide me with a letter that I can provide to the credit bureaus to remove this entry from my credit report. Since my vehicle was illegally repossessed i want this to be the outcome that will take care of them taking the car without notifying me and this will also keep me from having to take them to court.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Money transfer, virtual currency, or money service

I didn't know the participating parties were scammmer they informed me they were IRS members. XXXX XXXX XXXX XXXX claiming to be a representative for the IRS. She/he managed to get {$500.00} from me sent XX/XX/XXXX then proceeded to inform me that i had to pay a fees for the IRS to placed on my account. They continued to ask for more money in order for me to pay off the IRS fees and proceeded to be transferred to another representative. XXXX XXXX XXXX was the next person in their " company '' to reach out to me for the continuation of the IRS payment. On XXXX XXXX, XXXX  another paymentwas made by me {$490.00}. The representative The recipient proceeded to change to an XXXX XXXX  XXXX ( XXXX ) XXXX claiming I had an obtaining balance for the IRS of {$990.00} along with {$500.00} and proceeded to pay it XX/XX/XXXXXXXX. It added up to {$1800.00} in the past two days of working with these IRS representatives. Then they informed me the IRS is seeking {$750.00} for back taxes for year XXXX. I proceeded to pay that overdue balance to XXXX ( XXXX ) XXXX XXXX with an additional late fee of {$500.00} XX/XX/XXXX to avoid the prison time they informed me i could under if i didn't pay out. On XX/XX/XXXX wellsfargo proceeded to freeze me account after the last {$1400.00} was placed through after the {$500.00} prior. I informed wellsfargo what had happened and all the representatives I was transferred to and they opened me a new account after they same day to avoid further compromise. Never refunded the money from the people claiming to be the IRS knowing where I resided. This reprocussions caused me to get evicted from my home at the time. ( compromised account ) opened new account XX/XX/XXXX Resolution of the claim : XXXX I do not want this to happen to anyone else. XXXX XX/XX/XXXX internal revenue emailed me to pay {$350.00} fee and I proceeded to pay and nothing from the inquiries were sent back. They proceeded to find my social media and hassle me for more money after they received around {$4000.00} from me initially, and proceeded to say they were a different company called XXXX XXXX
Product: Debt collection

A collections action is being taken against my credit for a XXXX  account that was closed and the final billing statement paid on XX/XX/2022 ( see attached bank statement ). There was a XXXX balance on this account and I can no longer access the account as it is closed. 

I received a letter from Sunrise Credit Services in XX/XX/2022 saying I still owed {$74.00} for an account that was closed and done for months. I responded saying that I disputed it because the account was closed and paid with a XXXX balance. They never responded to my dispute and instead sent it to collections. Two of the bureaus have removed it so far, but I am waiting on the third one. I do not want this repeatedly showing up and causing aggravation. I closed the XXXX account because their internet service was shoddy at best and their billing kept changing after " introductory '' rates " expired ''. I was done with the poor customer service. They didn't even properly cancel the account in XXXX when I called to cancel and I had to call back multiple times to get it done. On the final call, the representative apologized, said he took care of the issues and that I should return the equipment, which I did. I then paid the final balance on the billing statement in XXXX and the account was closed. Then months later I got a letter from Sunrise saying I still owed {$74.00}. They never responded to my dispute of that and instead filed a collections action against me. 

This is not a valid bill and as I closed the account ( after I had to call several times because XXXX never did the account closure correctly when I requested they close the account ). All equipment was returned and the final billing statement was paid in full on XX/XX/2022. This is a known issue with XXXX  and they should be investigated for these tactics.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There Was A Credit Card Account Opened With XXXXXXXX XXXX. I Have Fought With XXXX For Years Over This Credit Card. I Informed Then Right Away That It Was Not My Account. I Have Submitted Complaints And Several Disputes On All 3 Major Credit Companies And Still No Resolution. I Have Been Trying To Have This Removed From Credit Report For Years. The Account WaXXXX XXXX XXXX XX/XX/2016. Balance XXXX
Product: Debt collection

Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. 
The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. 
The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.