23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX ( XXXX  ), a debt collector stating they were trying to collect on a Comenity Bank debt allegedly owed to XXXX. According to XXXX, an Express Card Account through Comenity Bank was sold to XXXX XXXX XXXX on XX/XX/XXXX. As a result, XXXX a debt collection company, would be collecting on and servicing my account. Per XXXX a Comenity Bank ( Express ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from Comenity indicating that a minimum payment of {$XXXX} was due on XX/XX/XXXX. A payment of {$XXXX} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$XXXX} to prevent further collection activity. I made this payment of {$XXXX} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to Comenity Bank XXXX Please save a copy of this for your records. Comenity Bank will apply this payment to your Express Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$XXXX} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from XXXX indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to XXXX on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$XXXX} ). On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$XXXX} or the minimum due of {$XXXX} on XX/XX/XXXX. I scheduled a payment of {$XXXX} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through XXXX XXXX A previous complaint was filed with CFPB against Comenity ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the Comenity website due to technical issues on their end.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : XXXX. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I received over 30 phone calls from mortgage lending companies. After talking with one of the solicitors, I discovered there was a hard pull on my credit and my information was shared broadly with mortgage lenders. 

On XX/XX/XXXX, I checked my credit report and discovered Pulte Mortgage pulled my credit. I emailed this company requesting who pulled my credit, for what purpose, and why I was not notified prior. 

A few days past and I got a response saying the company was performing an audit of me as a prior customer. When I asked for documentation supporting this claim, they changed the cause to something else and escalated my issue to their escalation team. To this day, Ive never received a notification from the escalation team. 

Around XX/XX/XXXX, I reached out to Pulte again but to their sales department. This prompted a phone call from their customer service department. After talking with their customer service department, I was told they had no idea who or why it was pulled and did not seem to care about my credit. 

I need help removing this. This is causing me XXXX  because rates continue to climb and this pull dropped my score making me further delay financing because my credit would be pulled again and I will pay more in interest.
Product: Credit reporting or other personal consumer reports

This is for Equifax and XXXX both still reporting information on both my XXXX account to show XXXX plus in late payments which isnt true whatsoever. This account was closed and paid in full. XXXX also if called or if XXXX or Equifax would actually make a call to XXXX they would quickly find out they have no record of me ever even having account let alone any sort of payment history! They had a system wide purge which cleared not only my information but everyones they continue to report false information. XXXX is the only reporting agency to actually take it seriously and call them on conference with myself to verify the proof. Not to mention I have mailed literally copies of emails from XXXX admitting they have no information on me even with social security number provided, dob, and credit card number. They cant pull up nothing. In regards to XXXX XXXX XXXX is the only one to fix as well and remove the one false late payment reported and it actually updated today for both XXXX and XXXX XXXX on my XXXX report.
Product: Debt collection

Numerous phone calls harassing me about a debt from 2006. Threatening to garnish my wages and sue me for amount owed. Called asking for me with a partially correct name and different amount owed.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Experian Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting

I have twice paid to have a credit freeze removed from Equifax and they will not lift the freeze and do do not respond to online inquiries. This company should be driven out of business by the Feds they are defrauding people. XXXX and XXXX are never a problem. Only Equifax
Product: Credit card or prepaid card

In 2017, I had vandalism at my property and my siding needed to be replaced. I contacted THREE companies and put the project out for bid. Sears ( the company in this dispute ) sent a representative and gave a great presentation. As I sat at my dining room table, I told the rep that this was 100 % insurance. It was clearly a vandalism / insurance / police matter. I also was very clear that I have around an 800+ credit rating. I do NOT carry balances on Credit Cards and I do NOT use store credit cards ( only big banks ). I did not want to sign up for any " CREDIT ''. I also wanted to wait and hear the bids from the other two companies. For the next 15 minutes - I signed my name about 30 times on so many  documents. Again, very clear that this was a project OUT FOR BID for an insurance transaction. 

The next week - I got a call that a crew was on it's way to my home and I received a credit card statement. After many calls, I was told that I opened a credit card for nearly {$30000.00} with Sears and they had my signature. This was also the same day that I signed an agreement with another company ( who did NOT require me to open a credit card and dealt directly with my insurance company - they were also thousands less and used the same product ). 

Month after month I was told " well, you signed it '' and bills kept coming in. There was a fee for " work already performed '' which they called a survey. NO ONE was at my home for this. I fought this on principle and would not pay this bank. Further research showed that this is a pretty regular practice for this company. There are complaints at the XXXX and the FTC. I also read reviews on the websites for home repair and I am not the only one that experienced this practice. 

I am VERY disappointed that a company that WAS reputable at one point in time has challenged one of their former loyal customers over a few hundred dollars after being deceived at my own dining room table - IN MY HOME. Very upset. 

I will fight this until it is made right.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXXXX/XX/XXXX - - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name XXXX TransUnion XXXX Issue Action XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ).

In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincere XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Discrepancy in my report and the company failed to provide me proof of ownership or validity of debt. Failed to inform me of collection efforts, asked for proof of certified mail where I received any notice of collection efforts and have not received it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified XXXX XXXX I will be returning the vehicle as the engine blew. It was discovered GAP insurance was not on the vehicle and I was unable to store a diminished vehicle. On XX/XX/2018, I notified XXXX XXXX I am no longer liable for the vehicle as XXXX XXXX remains the lean holder of this account. The vehicle was returned and sold, by XXXX XXXX on auction. Payments were applied to the account. On XX/XX/2018, XXXX XXXX agreed to modify my loan term ; extending my loan term, decreasing my monthly payment to {$220.00} and to report the account type/ status as an unsecured loan. Over the past year, XXXX XXXX has reported several failures to pay, delinquent status. As agreed I have upheld my end of the agreement. XXXX XXXX has repeatedly reported damaging information all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM FURIOUS ABOUT MY CREDIT REPORT THIS IS MY 3RD ATTEMPT WRITING ABOUT THES FRAUDULENT ACCOUNTS THAT DONT BELONG TO ME SINCE XXXX.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Checking or savings account

capital one has essentially been holding my paycheck XXXX since Thursday morning. my direct deposit always hits my account by thursday mornings. this week, there is nothing. they claim there is a tech issue that theyre working to resolve, but it has been 2 days and no updates. they promised thursday evening in an email that the issue was currently being resolved throughout thursday and would be completed by friday morning, but nothing changed. when i login, my account balance is frozen where it was yesterday morning and there are no new pending deposits or withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Equifax will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with but i agreed to pay it and not fight it only because they agreed to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account : XXXX has violated my rights ; XXXXXXXX XXXX XXXX  : XXXX has violated my rights ; XXXX. XXXX Account XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''