23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have submitted several disputes to all 3 major credit reporting bureaus ( XXXX ) in regards to this MIDLAND CREDIT collection account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the XXXX bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
Product: Debt collection

I received a letter from a company identifying themselves as " Diversified Consultants, Inc. '' claiming they are attempting to collect a debt for XXXX XXXX as evidenced by information on my credit report, I have not had any account transactions with XXXX XXXX within the last 7 years. This company appears to be either a fraudulent company seeking to steal money or this instance is related to another incident of identity theft I reported to consumer finance earlier this year.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

This collection agency is in violation of FCRA 1681s-2 for fraudulent reporting to credit reporting agencies of a debt I do not owe. 

This collection agency is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and failed to provide license number  to me.
Product: Bank account or service

I applied by phone in XXXX for a Citigold Checking Account. I gave the telephone representative a code for a promotion that would allow me to earn XXXX XXXX XXXX XXXX ( frequent flyer ) miles if I completed a set of requirements ( such as depositing {$1000.00} and making XXXX bill payments from the account. ) The telephone agent assured me that I was eligible for the promotion and that I would receive XXXX miles once the promotional requirements were met. I proceeded to meet all of the requirements for this promotion. In XXXX, I called back again and spoke with a phone representative ( and a supervisor ) who assured me that I was on track to receive the XXXX XXXX bonus. When I had not received the bonus in XXXX, I called Citigold and was told that I needed to file a " dispute. '' I received an email back from Citigold on XXXX XXXX saying that there was not an XXXX promotion offered in conjunction of the opening of my account. I called Citigold back on XXXX and was told that they did not dispute that the agent had told me I was eligible, and that agents had been telling various people that they were eligible, but that the agents were mistaken and that people needed to have been specifically targeted for this promotion. I asked how the company could mislead investors this way and whether or not this was a " bait and switch '', but was told that all they could do was re-submit my complaint to their " back office. '' I asked to have the recorded calls that I have made with Citigold pulled for review, but the agent said he did not think he could do that. Citibank has profited from holding my money and from orchestrating my financial transactions, yet refuses to deliver the bonus that they agreed to when I opened this account.
Product: Credit reporting or other personal consumer reports

I looked at my credit report XXXX, XXXXXXXX XXXX, I noticed some things that are incomplete and not accurate. 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. I sent a letter to Equifax asking them to reinvestigate the completeness and accuracy of my accounts below, XXXX XXXXXXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 223 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the XXXX XXXX. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX, and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome.

Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Vehicle loan or lease

I pay XXXX XXXX/Citibank electronically on the XXXX of every month. Citibank charged me a late fee of XXXX $ and raised an interest rate to 21.99 %. I called today and they had a prerecorded message to reverse the late fee. My concern is buying cars/motorcycles on a credit card allows the bank to raise the loan rates. This is a predatory practice and the CFPB has an outstanding record of correcting these behaviors. Why didn '' t Citibank auto-correct the issue? They want fees and access to raising the credit card, which should not be allowed for new car/motorcycle purchases.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801, I have the right to make sure my private information isn't shared. This code states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Citi Cards is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Citi Cards, the financial institution, and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, XXXX, and Citi Cards, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

According to 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Citi Cards never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) further states " Except as authorized under subsection ( b ), 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the CRA & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Bank account or service

My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed a collection in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Collection agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Mortgage

My wife and I filed a joint application with Homestar Financial Corporation for a USDA Single Family Home Rural Development mortgage/loan. We have been ignored/mislead/lied to regarding the acceptance or denial of the loan by the USDA underwriters, among many, many other faults. Our loan officer told us that the USDA denied the loan, but after contacting the USDA directly, they informed us that they had in fact not denied the loan. They told us we need to contact Homestar directly. We have contacted the local Branch Manager, the Division Manager, and the corporate office 's Compliance Division. Corporate has told us repeatedly that the Division Manager will be contacting us, but he will not return phone calls or emails. A week after the loan officer lied about what the USDA said, we still have no answer as to what the true status of our home loan is. I have a word document that details the entire experience and our attempts to find answers.
Product: Credit card or prepaid card

CAP1/L & T XXXX I have never paid late on this account until XXXX 2020 due to COVID. My daughter was XXXX with XXXX and was in the hospital. Can you please extend the curtisy and change XXXX to current.
Product: Credit reporting or other personal consumer reports

I am currently experiencing significant challenges with TransUnions handling of my credit report, characterized by multiple inaccuracies and non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these issues directly with TransUnion, the inaccuracies persist, impacting my financial standing. 

1. Incorrect Personal Information : Employment should be confirmed as XXXX XXXX. 
Address should be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone number should be updated to ( XXXX XXXX XXXX 

2. Misreported Accounts XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX are incorrectly listed and need removal. 
XXXX XXXX XXXX XXXX is incorrectly marked as in collection ; it is paid and should be reported as open. 
XXXX XXXX XXXX XXXX XXXX XXXX wrongly reported as closed with late payments ; it should be reported as open and current. 

3. Unauthorized Inquiries : Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not authorized by me and should be removed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute four unauthorized hard inquiries that appear on my credit report. The details of the inquiries are as follows : XXXX. XXXX XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX I did not authorize these inquiries, nor did I initiate any transactions or applications with the creditors listed. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

I kindly request that these inquiries be investigated and removed from my credit report as soon as possible. 

Please confirm receipt of this letter and provide me with a status update on your investigation within the timeframe specified by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to apply for a personal loan at a bank it says I had too many inquiries within XXXX... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I ordered a game system from CONNS and paid using my XXXX account which is tied to my XXXX  account. The system never shipped so i had to open a dispute. the company Conns never responded to my inquiry so i open the dispute with XXXX. Months later finally everyone responded and i thought everything was good. now Conns has issues a request for XXXX from XXXX which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.
Product: Checking or savings account

I assisted my grandson in purchasing a car to commute to/from college. The cost of the car was {$4200.00} and the check was delivered to the auto dealer on the evening of XXXX XXXX, XXXX. My grandson returned the next day, XXXX XXXX, XXXX, to pick up his car. On the way home from the dealer, the engine experienced a major malfunction which required it to be towed back to the dealer. Given that the car dealer stated they were not responsible to repair the engine, I called my bank at XXXX XXXX my bank on XXXX XXXX. I did not make contact. I called my bank the next morning, XXXX XXXX, XXXX, at approximately XXXX XXXX in order to request a stop payment on the check. I was told the check had not cleared my account and that I could stop by the bank in person and sign the stop payment request form. I went to my bank in person before noon on XXXX XXXX, XXXX to complete the form. I was given full assurance by the bank associate handling my transaction that the check had NOT cleared and, therefore, the stop payment would be put into effect. My grandson was still in need of transportation and I helped him purchase another vehicle. On XXXX XXXX, XXXX, I was contacted by the car dealer who informed me that the check had, in fact, cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX