23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX XXXX, XXXX - I proactively reached out to MSB ( Municiple Sevices Bureau ). I was given their information from the XXXX XXXX XXXX XXXX through which I had an outstanding fine. After calling MSB, I spoke to someone name " XXXX '' and explained my intention of paying my fine. After looking into her system and asking questions for personal information, she claimed she found my account. She then gave me a total amount of {$630.00}. I initially was taken aback because my fine balance was {$500.00}. I asked why the difference and she proceeded to give me confusing and contradicting information. She stated that they ( MSB ) received my debt back in XXXX and that the courts could have added additional fees. She later clarified that they received it on XXXX XXXX, XXXX. My confusion is because that 's when I was arrested and court fines and fees were later decided in the later part of XXXX. She also gave a date of XXXX XXXX, XXXX - which would make more sense. This led to additional questions from myself trying to understand what she was telling me. She asked if I wanted to dispute the amount and based on what she was telling me. I answered yes. This is when her tone changed and she became argumentative and abusive. She threatened to terminate the call because as she said " She do n't have time for this!! '' - this was said multiple times as she spoke over me. When I asked for her to not terminate the call and that I have additional questions - she continued with the statement of not having time for that. She then said that she gave me the phone # to dispute the claim and was n't going to answer any additional question. She was willing to let me talk to her supervisor and put me on hold - and of course I sat on hold waiting for an additional 45 minutes at which point, I decided to hang up. I feel that this agent had no right to use the disrespectful tone and threats that she used. I had every right to question the misinformation she gave me and I did it in a polite and professional manner. I 'm requesting a formal apology from this specific agent ( preferably via phone call ) and I also would like a copy of the voice recording of our conversation. I 've reached out to XXXX XXXX XXXX XXXX to request that they reclaim my fine and I will pay it directly to the court. I absolutely will not pay this fine through MSB.
Product: Debt collection

Stafford Collection Agency called several of my family members to collect a debt. I forwarded a debt verification letter to Stafford. It's been over 30 days and I have received no debt verification or correspondence from them yet the debt sits on my credit report.
Product: Credit reporting or other personal consumer reports

Due to a security breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries appearing on my credit report without my authorization. These fraudulent entries, which I did not initiate, have negatively impacted my credit standing. Despite my repeated attempts to have these inaccuracies corrected, they remain unresolved, raising serious concerns about the protection of my personal data and the overall accuracy of my credit report. Additionally, I have noticed incorrect late payment remarks that I believe were reported in error. I request an immediate review and correction of these issues to ensure my credit report reflects only accurate and legitimate information.
Product: Credit reporting or other personal consumer reports

l reviewed my consumer reports and noticed tha that l had XXXX late payments on an account that l was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer XXXX XXXX XXXX XXXX please investigate and provide proof with statement showing that there payment were late if proof t be provided l demand these payments be updated to on time as they should Be ask was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian did NOT remove a few of the disputed items as they stated on their response for complaint # XXXX ( see attached Experian response stating this, copy of dispute results showing all disputed items still on there AND a copy of my dispute letter dated XX/XX/19. 

2. The only account that was removed recently was XXXX XXXX and it was due to that XXXX XXXX couldnt provide me with any verification at all ( see enclosed documents ) and Experian has been saying for the past few months they have verified that same account and several others I have been disputing. How is that so? What exactly is your method of verification Experian? Its obvious Experian hasnt done anything to verify the disputed debts. Experian as a credit bureau agency the least you can do is require legitimate proof of debt before reporting erroneous information thats damaging to as persons credit.

3. Also Experian didnt respond on my previous complaint " why would they provide a collection agency ( XXXX XXXX ) copies of my social security card and drivers license if those personal documents were only addressed to Experian ''. 

Please advise.
Product: Credit reporting or other personal consumer reports

ON MY CREDIT REPORTS THERE IS INACCURATE INFORMATION THAT MUST BE REMOVED IMMEDIATELY. I AM ATTACHING WHAT I SENT TO THE THREE CREDIT BUREAUS. THE INACCURATE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/20 Tower loan contacted me about a debt. I told them I knew nothing about a debt with tower loan. Than he threaten to report it to a credit agency. The next day I get an a alert in my email that some has inquired on my credit. Tower Loan inquired on my credit with my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Product: Checking or savings account

My bank has scammed me out of over {$20.00}, I have visual evidence of this claim with dates to support my claim, also verified by the evidence. I have been overcharged XXXX times in a row by my bank, I have tried to resolve the issue with the Third Party app and was insured that the fraudulent activity was not to be blamed on them, my bank even tried to cover it's tracks by voiding the transactions after reimbursing me less than 40 % of the money I was scammed for back in my account ( even after evident images were emailed to them ), then taking more than 50 % of the reimbursement back after I tried getting my full refund. That is suspicious activity, I emailed them to solve the problem and they only made it worse.
Product: Credit card

A couple of days ago I tried to use my credit card to buy a XXXX XXXX XXXX meal. Card denied. I have plenty of credit available so today I telephone called Bank of America and their representative informed me there were questionable items charged to my Bank of America credit card ; however, the Bank of America representative would not provide details since I do not own a smartphone. The Bank of America representative told me the only way they would supply me the details needed to unfreeze my card was to either buy a smartphone or go by in person a Bank of America. I will not buy a smart phone to please Bank of America and since I live in XXXX XXXX, IA where there are no nearby Bank of America branches, I will not go there either. Bank of America claims my landline can not be trusted and Bank of American refuses to clear this matter up by US mail. The Bank of America recording of this telephone call will confirm what I write. Two things : Since XXXX  people tend not to own smartphones, these business-practice restrictions correlate with age discrimination. Second, does not their bank charter require nondiscriminatory servicing of the public?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX Auto, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, XXXX and Experian to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.
Product: Debt collection

Called the company to explain that the debt was not mine. I asked for verification that I signed any documents for these charges. This debt is not mine and needs to be removed from all the credit bureaus immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing 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 this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX i bought a XXXX $ jacket never received and never got money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained and complained For months to equifax and the cfpb and they have violated my rights for months! 

I have made complaints and they continue to fail and not allow me to see my credit score. 

I demand to me compensated the {$1000.00} because Equifax are liars and thieves. 


Please order Equifax to compensate me for the violations. 

See attachment
Product: Credit card

According to my understanding of FCRA 605B, any incorrect accounts must be removed from my credit report. Could you verify the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Debt collection

We had a new gate installed and had a contract with XXXX XXXX and somewhere between the signing of the contract with XXXX XXXX, XXXX XXXX XXXX took over the contract. Once done, we had a lot of issues that had not been fixed so we had to call in another company to finish the work to get our gate operating properly. This was in XX/XX/XXXX and once we stopped calling them to fix our gate, we never heard anything back from them. Beginning XX/XX/XXXX we started getting calls from XXXX XXXX with Recovery Solutions Group , LLC. Once the first call was received, I told her that our manager, XXXX XXXX, was out of the country and was supposed to be back on the XXXX, he could do some research on the matter and get back with her. She advised me to get in touch with him ASAP so he could respond to her. She then sent an email to XXXX XXXX and myself advising us to get this resolved or they would be taking more measures to collect the money. Mr . XXXX did not return to work until XX/XX/XXXX and could not get in touch with her since he was out of the country. During that time we received 7 calls and numerous emails from XXXX and during our conversations she was rude and threatening and at one point I hung up on her. On XX/XX/XXXX she even called Mr . XXXX on his personal cell which has nothing to do with work or work related. Even after we told her we were looking into it and that we had never received any further communication with Florida XXXX XXXX, she was not willing to give us time to do research to resolve the issue. After doing our research, we did find that the tags for the gate was received and a check was never issued, so on XX/XX/XXXX a check was written and sent to XXXX XXXX XXXX. Once the check was written, we did not respond to XXXX 's calls.
Product: Checking or savings account

A savings and Checking account was opened with XXXX and it was requested to be closed within 24 hours of opening it. They said on the phone both accounts were closed and there would be no fees. 2 months later I receive a letter in the mail stating there is a {$59.00} over draft fee and that my accounts are on hold. I called 2 weeks ago and they said they waived the fees and my accounts are now closed. 

I called again today and they said my accounts are still open. 

checking account XXXX savings XXXX
Product: Credit card

Hello CFPB. 

I have worked to resolve this matter on and off for the majority of XXXX and am filing a complaint as a final resort. 

On XX/XX/XXXX I was offered a promotional discount to apply for a Victoria 's Secret Angel Card in store at checkout. I provided my valid current ID with my accurate address that I have resided at for XXXX years and the sales associate stated that I would receive a decision by mail. I paid for my total purchase of {$19.00} with cash and left the store. 

I did not receive documentation or communication by mail, but I was in the middle of a divorce and the in store experience wasn't top of mind. I have attached a letter outlining the details of the events that followed, but ultimately, Comenity Bank sent 4 months worth of account documents to an outdated address ( statements attached for proof ), my account went delinquent and is report XXXX, XXXX, XXXX, XXXX, XXXX and XXXX  day lates on my credit, I settled the matter for {$120.00} despite maintaining my claim that the charge was made in error and I was not given time to dispute the matter initially, and now my credit is ruined due to a horrendous payment history that resulted from circumstances outside of my knowledge or control. 

This is unacceptable. Teenagers should NOT be taking credit applications at the register like it's a loyalty program ( which is what is described ) and I believe I have been a victim of predatory lending. I had another open account with Comenity at this time ... and statements were being sent to my correct address. There is no excuse.
Product: Debt collection

For the past few months I've been getting calls many times throughout the day. They never leave a voicemail.I have a busy schedule and its hard for me to answer calls. They have reached out to every single family member, my in laws and even people that I don't associate trying to reach out to me. My family members and myself feel harrassed for all these ongoing calls. At first I waited for at least something to come in my mail regarding this debt but never received one. I do not feel comfortable giving my information over the phone to someone that can not provide any proof, especially if I can not find a website of them.
Product: Debt collection

On XX/XX/2022, I received a letter from Lockhart , Morris & Montgomery informing me of an electric debt with XXXX XXXX XXXX XXXX. Within the letter, it stated that I had until XX/XX/2022 to respond to the letter to either pay or dispute the debt. This debt does not belong to me, so I responded with a certified letter on XX/XX/2022. As of today, XX/XX/2022, I received a notification from XXXX that this debt has been added to my credit report as a derogatory debt collection. This is a violation and should be removed from my credit report ASAP. I was not allotted the full time to respond to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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's also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX {$5500.00} Closed 22 potentially negative months DEPT OF ED/XXXX  {$0.00} Closed 10 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type - Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status At least 120 days or more than four payments past due Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - - XXXX XXXX 120 120 120 XXXX 90 120 120 120 120 120 120 XXXX - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS Your statements - Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, GA, XXXX US DEPARTMENT OF EDU {$5500.00} Closed 44 potentially negative months DEPTEDXXXX {$0.00} Closed 9 late payments Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$5500.00} Payment Info Status 120 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$5500.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 120 120 - - - - - - - - - - XXXX 90 120 120 120 120 120 120 XXXX - - - - - On Time 120+ Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Account closed due to transfer Your statements - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your TransUnion Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with TransUnion Online or by Mail at XXXX. XX/XX/XXXXXXXX, XXXX, PA XXXX US DEPT ED {$5500.00} Closed Unknown payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the numerous attempts I have made to remove fraudulent items from my credit report. I have been a victim of identity theft, and the inaccurate information on my credit report is negatively affecting my financial well-being and reputation. 

The following are the issues I have encountered : I have been a victim of identity theft, and several fraudulent accounts have been opened in my name without my consent. Despite my diligent efforts to report these fraudulent activities, they continue to tarnish my credit history. I have reported these issues to the respective creditors and provided them with the necessary documentation, such as police reports and identity theft affidavits. However, the fraudulent accounts persist on my credit report, causing significant harm to my creditworthiness. 

I have submitted multiple dispute letters to the credit bureaus, explaining the fraudulent nature of these accounts and providing all the supporting evidence required to substantiate my claims. Despite my numerous attempts to rectify these errors, the response has been minimal, and the fraudulent items have not been removed from my credit report. 

I understand that maintaining the accuracy of credit reports is essential, and I am committed to restoring the integrity of my credit history. It is of utmost importance that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention and action in addressing these fraudulent items on my credit report. I expect a thorough investigation into these discrepancies, and I request that you provide me with written updates on the progress of these disputes and the results of your investigations. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove thes items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiries are unauthorized or inaccurate, and I ask that you delete them : XXXX Funding on XX/XX/XXXX and XXXX Funding on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX