23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

" Fidelity Capital Holdings , Inc '' acquired consumer credit card debt ( revolving account ) from XXXX XXXX XXXX XXXX. I have not used the account in 5 year 's. The account was originally a charge off account for three years, but Fidelity purchased the debt last year. I was notified they would sue me and our court date would be XX/XX/2020, however they filed a default judgement against me in XX/XX/2020 and levied all of my assets in my checking and Savings account yesterday XX/XX/2020 leaving me with " XXXX '' dollars in my checking and Savings account having taken more than {$1000.00} from me. I am a single mom. Now I don't have more money to pay my mortgage, pay my non mortgage expenses, utilitiesx HOA, Gas and food. I am ineligible for public assistance as a middle wage earner. And I am afraid due to the size of the Levy {$8000.00}, when I have my next direct deposit, they will seize that money too. This is unamerican, egregiously wrong and I think they are predatory having purchased consumer debt. I called them several times before the levy and they would NOT negotiate a payment plan with me. What I am supposed to do? Please extend a retroactive moratorium on non federal consumer debt collections, levies and garnishments. So egregious and Un-American, these predatory companys. 

respectfully submitted, XXXX XXXX
Product: Credit card

I phoned Barclays customer service and told the lady the problem that points had ceased being reported to XXXX XXXX. She looked at my XXXX, XXXX, and XXXX Barclays statements and could see there was spending but said " XXXX Earned = XXXX. '' They set up a case number XXXX and said I would receive a letter by mail. 

XXXX weeks later I received the letter which simply stated " We currently are unable to assist you you Rewards issue. '' I phone again and was told another letter would be going out but I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and XXXX. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call XXXX you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.
Product: Mortgage

Bayview Loan Servicing forced lender placed insurance in the amount of XXXX for a property that I paid {$80000.00} or thereabouts for Annual premium is {$15000.00} I
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXXXXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my Equifax credit report which was a result of a fraudulent inquiry and eventually a fraudulent account through  XXXX   XXXX   XXXX   ( AKA    XXXX   XXXX   ) .In huge part to the help from this very website  XXXX   XXXX   XXXX    XXXX   XXXX    deemed the account fraudulent and obviously the inquiry that resulted in that account to be  opened.Equifax, a fter many, many, many calls, faxes, letters etc removed the collection account but left the hard inquiry.How can this people be allowed to call themselves a Credit  Reporting Company when  they ALWAYS AND CONSISTENTLY commit such mistakes and still stick by them like they did their job??? are you kidding me? if you remove a fraudulent account does n't common sense dictate that the inquiry which resulted in that account to be open would be removed too??? Anyhow I guess common sense is not a requirement to work at Equifax so I contacted  XXXX   XXXX    XXXX   to request that they request for the inquiry to be removed, and they replied that they did and STILL EQUIFAX HAS NOT REMOVED IT!!!!!! I am going to include proof of all of this by attaching the documents supporti ng E V E R Y T H I N G I j ust stated!
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Berlin Wheeler Inc for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Berlin Wheeler Inc, continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler Inc, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. XXXX now requesting that you investigate this account and update the payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Unknown inquiries. 
Personal information compromised during XXXX data breach.
Product: Checking or savings account

I am a XXXX. I applied for a HSBC bank account in early XXXX. After the account was approved, I tried to apply for a credit card. When the bank needed additional information many times, I finally approved my credit card application. When they mailed me the credit card, I logged in to the bank and found that the credit card account was abnormal. I called the customer service. They said that the risk department re-examined the XXXX, and at the same time, they closed my bank and checking account. On XX/XX/XXXX, I provided the information according to their requirements. The risk department said that the results would be issued in 3 to 5 working days. I communicated on the phone many times in the middle of the journey. They kept waiting and did not give me a result. It was still frozen until XX/XX/XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

Sears credit card closed due to inactivity over seven years ago and still on report. 
I don't believe Sears exists I have been unable to contact for years. 

XXXX XXXX XXXX paid off in XXXX  closed early XXXX by XXXX and still being reported XXXX XXXX Account paid in full XX/XX/XXXX after being charged off in XXXX. Company promised to remove account from reporting services since I paid in full. It needs to be removed CITI Bank Account my now deceased wife XXXX XXXX opened. Was settled during probate, but is reported as charged off in in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Discover, I hope this message finds you well. My name is XXXX XXXX, and I am contacting you regarding a concerning matter regarding my credit report. 

Upon a recent review of my credit history, I discovered an entry indicating the possession of a Discover credit card in XX/XX/2016, a time when I was merely XXXX XXXX XXXX. I strongly suspect that this credit card account was established without my knowledge or authorization, presumably by my late father. 

I am writing to formally request the expeditious removal of this erroneous credit card account from my credit report. It is essential to emphasize that I was underage at the time and had no involvement whatsoever in the initiation or usage of any credit card account. 

I respectfully urge your prompt attention to this matter and kindly request your support in investigating and removing this inaccurate entry from my credit report. Your assistance in rectifying this discrepancy would be immensely appreciated. 

Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. 

Thank you for your prompt attention and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXXk I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate personal information in the personal information section. I am requesting that this information be corrected to reflect my actual details and that any inaccurate information be permanently removed. 

To ensure accuracy, my correct information is as follows : 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  I request that you remove any name, date of birth, address, or employer that is different from the information provided above, as I have never used or been associated with any other details. Additionally, please ensure my address is correctly listed and remove any outdated, incorrect, or duplicate addresses. 

For verification purposes, I have attached the following documents : Utility Bill ( Proof of current address ) Drivers License ( Identification ) Credit Report ( Highlighting the incorrect information ) I kindly ask for confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I canceled my old phone number and got a new phone number. Before doing this, I logged into Ally Auto online banking and paid my bill. However, there was a problem during the transaction and Ally Auto could not receive the payment. When I tried to log in to the account again, I could not log in because the old phone number wanted to send a code and I did not realize that my payment was unsuccessful. 

To make up for my mistake, I paid an extra {$4000.00} and paid the next month 's bill early. 
Then I gave it to XXXX but they did not accept it and did not remove the 30-day late payment warning from my credit score.
Product: Checking or savings account

Customer support Ticket ID # XXXX TD Bank is refusing to close an account with {$0.00} in it. 

I have asked customer support to do this multiple times and they will not, despite it being marked clearly on their website that you can close a {$0.00} account : https : //tdbank.intelliresponse.com/? & requestType=NormalRequest & source=4 & id=1413 & question=How % 20do % 20I % 20close % 20my % 20account ( s )? 

Not closing the account will result in fees assessed by the bank, so closing it immediately is important.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Student loan

I 've been waiting several months for XXXX to consider my income based revenue application. Each time I call, customer service representatives are unable to give me even a rough idea of when it might be processed. The current payments are much too high and I am having trouble paying even a part of the due amounts while I wait for them to process paperwork.
Product: Debt collection

I sent them a dispute letter with tracking on XX/XX/2023. They have ignored the letter and apparently refused to sign for it. 

This is the third dispute letter I've sent about this debt and the third one that's been summarily ignored. They need to desist collection tactics immediately. 

Among those collection tactics, they called the owner of the company I work for, on her work phone, and told her I owed them money. These people really need to be out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX  [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ]XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXX XXXX XXXX  [ Account Number : XXXX ] XXXX XXXX XXXX XXXX  [ Account Numbers : XXXX and XXXX XXXX, XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections.

I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Comenity Capital Bank sent an email on XX/XX/23 that rewards cash of {$100.00} would be submitted to my DDA. On XX/XX/23 a deposit of {$1.00} was received. I called customer service on XX/XX/23 and was told Technology is working on a solution and expect resolution within a week. I received no written communication about Comenity 's Technology deficiencies. On XX/XX/23, I again had to call customer service and had to elevated to the supervisor as I could not understand the representative. Only when I spoke to the Supervisor was I informed that 1 ) I was correct there was not communication from Marketing ; 2 ) Technology has rectified the program ; and XXXX ) I should expect payment by XX/XX/XXXX. No written communication of their errors and having to wait 5 plus weeks for resolution, in my opinion, is unacceptable. I asked to closed the account on XX/XX/23 and will never have an account with XXXX XXXX. ( My account was with XXXX XXXXXXXX XXXX, but XXXX XXXX  XXXX sold the XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX. )