23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Adjusters called and stated that I owed XXXX debts and that they had been mailing letters to me, but the letters were mailed to an address that I have not lived at for 20 years. I ask them to mail the information to me but the refused and stated it will be going to court instead, I informed them of the wrong address and to mail them to the correct address again the rude lady stated she could not and that I needed to pay them now or they will send the information to court. She tried to give me information but was stuttering and rambling and again demanded immediate payment on the debt and still refused to mail the information. The lady was very rude and mean, it also appeared that she was not even ready, she kept rambling off my old address and my driver license number, I thought I heard her say something about arrest warrant, my never stated any solid facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had used PayPal for many years for online purchases and payments for my kids ' activities, etc. Paypal charges always went to a credit card that I had set as my default payment. Last year sometime, unbeknowst to me, Paypal opened a " PayPal Credit '' account and put a {$60.00} charge made by my wife onto that credit account rather than to the card I had specified. They did not bill me for the amount until several months later, at which point late fees and interest had driven the balance over {$100.00}. I called and was assured the late fees would be removed and that if I just paid {$64.00} for the balance and interest, that would square things. I closed the account and sent them the money. Now, several months later, I received another bill for {$130.00} for late charges and interest accumulated on top of late charges. I called them and they refused to waive the fees. I never authorized the account. I paid for what my wife bought plus usurious interst ( {$4.00} on a {$60.00} balance for a few months ). They cashed the check. I do n't owe them any money, but they continue to demand that I pay, having referred my account to collections. Their practices are deceptive and/or fraufulent.
Product: Credit reporting or other personal consumer reports

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 the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a
payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

In  XXXX   XXXX  I canceled my mobile plan with  XXXX   XXXX   XXXX  and left the country. My account was successfully closed and the company told me I had no other obligations.     I later found out there was a final bill that was generated in  XXXX   XXXX  of about {$120.00}. I did not receive any email about this bill, nor any mail to my previous address about this bill.  XXXX   XXXX   XXXX  sent my bill to collections without notifying me of the bill.     I found out through a credit check that I had an account in colle ctions ( Diversified Consultants ) i n  XXXX   XXXX . I tried calling  XXXX   XXXX   XXXX  as well as the collection agency to remove this from my  credit score. I also filed a dispute with the credit agencies and paid off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent these credit reporting agencies a statement on XX/XX/2021 stating there are fraudulent accounts on my credit report. this is illegal under the FCRA, and I want the CFPB to take action. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. Other accounts are listed as late when under 15 USC 1666b says there is no such thing as late payments, that is very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opend on XX/XX/XXXX for {$1600.00}, XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00}, XXXX XXXX opened XX/XX/XXXX for {$610.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$470.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN XXXX XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

I am filing this complaint in accordance with The Truth in Savings Act ( TISA ) per the FDIC when a deposit is made from a government check or in this case a wire transfer Access to checking account funds. When funds are deposited into your checking account, there are rules and regulations that impact when you can access those funds. In general, funds are not immediately available but are available sooner if the deposit is cash, a cashiers check, or a government check. The holding of my fund is further causing undue hardship. I am racking up fees for returned checks because of the accessive hold on funds. I have assessed a fee where the bank failed to disclose upfront fees for XXXX. In accordance with The Electronic Fund Transfer Act ( EFTA ), I expect that the hold of the fund will be released. This is ridiculous per XXXX the representative there will be a hold on the funds because the loan wasn't originated with BBVA Compass bank. That isn't fair. I expect a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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

In XX/XX/XXXXXXXX XXXX XXXX I XXXX XXXX wrote a Correspondence to all 3 Credit Reporting Agencies asking them to remove this incorrect information from my Credit Report, XXXX took the false information off their credit reporting but XXXX and EXPERIAN refuse to comply with the fair credit reporting laws, rules, and regulations of the CFPB.
Product: Mortgage

We lost our home in the XXXX 2015 flood. Because of the location of our home, NationStar placed us with insurance through XXXX XXXX XXXX XXXX ( XXXX ), Certain Underwriters at XXXX XXXX XXXX. The value of the policy is {$110000.00}. This exceeds the payoff amount, the actual property value and the amount of the mortgage loan. In XXXX, NationStar received a settlement from XXXX for approximately XXXX % of the policy value. Unfortunately, the home can not be repaired as described in the insurance settlement as it has been declared substantially damaged by XXXX County and must be elevated if we are to return to the home. I contacted an attorney and met with him on XXXX XXXX. On XXXX XXXX we received a letter fromt he law firm stating they would not be able to help us ; there was not additional explanation in the letter. I have asked XXXX on numerous occasions, both verbally and via email for a copy of our policy, for my appeal rights and for their grievance procedures. All requests have gone unanswered. I 'm afraid that our appeal rights have since expired and that waiting for an attorney may have cost us valuable time and opportunity to move forward. I have contacted my Representatives and Senators at the local and national levels with no headway. In fact, some people I 've spoken to have actually advised applying for bankruptcy or allowing the mortgage to default. These are not viable options in my opinion. The attached letter contains detailed information you may find helpful.
Product: Credit reporting or other personal consumer reports

I was notified today that my credit dropped XXXX XXXX. When I checked my credit report, it said I opened an account at XXXX XXXX on XX/XX/XXXX and America First on XX/XX/XXXX. I've never been to those banks in my life. I contacted both and both told me someone opened an account in my name using my social security number. The fraudulent individual has already spent {$13000.00} on the America First account and {$3000.00} on the XXXX XXXX account. America First has frozen the account and I am currently on hold with XXXX XXXX, but they said this was the next step in the process.
Product: Debt collection

1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided. 
After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the XXXX XXXX  Credit Card Agreement ( posted on the CFPB website ), LVNV is bound by the Private Arbitration if LVNV claims the debt and refers to itself as the owner of the debt. 
I served both the original furnishing and the LVNV ( through XXXX XXXX ) with arbitration demand. 
LVNV ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case.

This is not only a violation of FCRA and FDCPA, but also a court fraud.

In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.
Product: Credit reporting or other personal consumer reports

I recently viewed copies of my ( XXXX, XXXX and XXXX ) consumer reports and noticed that XXXX XXXX XXXX, XXXX, XXXX and XXXX are reporting a charge off for the following account ( s ) on the following date ( s ) : Original Creditor listed as XXXX XXXX OF XXXX Account # XXXX with a balance of {$XXXX} reported / last reported XX/XX/2024 A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED.
Product: Checking or savings account

On XX/XX/2022 I received in the mail a statement from TD Bank in reference to " TD Convenience Checking '' on account activity and closing of account. The account summary of account balance of {$3200.00} which included two deposit of {$2800.00} ( IRS Deposit ) and beginning balance {$400.00}. Account was closed on XX/XX/2022 with zero balance. 

This account was never opened by underwriter - never did business with TD Bank. The Statement was the first notice I receive that an account was opened. I spoke to " XXXX '' from TD Bank Fraud Department - internal investigation will proceed with any information I can help upon request.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXX Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX XXXX BANK XXXX All Banks XX/XX/year> XXXX XXXX XXXX - XXXX Personal Loans Companies XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX Jewelry, cameras, and computers XX/XX/year> XXXX XXXX Department And XXXX XXXX XXXX XXXX specific XX/XX/year> Experian XXXX XXXX Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX Banks XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> XXXX XXXX XXXX  Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXX XXXX, personal XX/XX/year> XXXX XXXXXXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Automobile Dealers, Used XX/XX/year> Experian XXXX XXXXXXXX XXXX Automobile Dealers XXXX New XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX IN Automobile XXXX XXXX New XX/XX/year> XXXXXXXX XXXX XXXX Finance XXXX personal XX/XX/year> XXXX XXXX Banks and XXXX & XXXX XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> XXXX XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX  Auto XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX I want these items to be remove from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/2018 I received a promotional email message saying I am eligible for a credit line increase to my Best Buy store credit card provided by Citibank NA. I was approved for an increase of {$1500.00} after filling out the information I was told to provide on the online form. Nowhere in the process I was told there would be a hard inquiry to my credit report. 

I have credit cards with other creditors and a hard inquiry has never been done on a line increase. Considering the increase was promoted to me I assumed there was due process on their end to provide me with the proper details of the increase. I would not have requested an increase if I was told there would be a hard inquiry. This is the 2nd hard inquiry from City Bank within 6 months, I opened my account on XX/XX/2018. 

After checking my credit report in XX/XX/2018 I found out that Citibank NA issued a hard inquiry. On XX/XX/2018, I called Citibank NA retail card department at XXXX to attempt to resolve the issue. I was connected with XXXX in the retail account verification department. After explaining my situation to her she connected me with XXXX of the Management department for Best Buy Credit. She understood my frustration with the process and told me there is nothing she can do but explained to me that if I called and spoke with an agent rather than doing it online I would have been able to avoid the hard inquiry. This was not promoted to me as an option. The only option I was aware of was the online process. I never signed off on a hard inquiry. I was never asked nor did I give permission to have a hard inquiry done on my credit report. I believe I was not provided with all the options. 

I have attached a screenshot of the credit line increase screen. I does not explicitly say there will be a hard inquiry in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I recently checked my credit report and realized that these accounts are fraudulent. These accounts negatively affecting my account and hindering me from purchasing a home. I want these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX in XXXX. I tried calling them and credit bureaus with no success. XXXX, XXXX, equifax, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX, XXXX and Experian Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. XXXX XXXX XXXX {$53000.00}, Opened Sep. XXXX, XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX . {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX XXXXXXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Thank you for your time, XXXX XXXX XXXX