23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint against CBS for reporting invalid credit information. On XX/XX/2021, CBS reported a {$150.00} collection account on my credit report that is not mine. Per FDCPA laws, collection agencies have to send a written notice of debt to consumers before reporting a debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' Prior to reporting this erroneous collection account on my credit report, CBS failed to mail me any letters making me aware of the debt or validating it belonged to me. According to CBS ' own website, they mail customers at least three collection letters coupled with phone calls. After reviewing all the mail captures sent by USPS Informed Delivery to my email and my phone 's call history, I confirm I never received any letters or phone calls from CBS, notifying me of this debit. I am requesting this inaccurate collection account be removed from my credit reports at once. It is causing grave damage to my credit reputation and is unfairly hurting my credit health. Every step must be seized to ensure the data reported on a consumer 's file is error-free and up-to-date. Should you fail to swiftly remove the collection falsely reported, I will file a formal complaint with the CFPB and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX ) is reporting 2 derogatory accounts on my XXXX, XXXX and Equifax. XXXX XXXX XXXX  ( XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. 'XXXX XXXX XXXX XXXX  ( XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report ( XXXX XXXX {$610.00} and XXXX XXXX {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, Equifax, XXXX and XXXX. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report on XX/XX/year> and I noticed some late payments posted on my credit report in the amount of {$140.00}. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACE 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. - Except as provided in paragraph ( XXXX ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

XXXX XXXX National debt holdings XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Reporting - Account Number XXXX Dear Sir/Madam, I dispute the accuracy of the credit reporting and information on my account with XXXX and National debt holdings account number XXXX This account was charged off and written off in XX/XX/year>, yet XXXX and XXXX debt holdings continues to report an outstanding balance of {$0.00} and an inaccurate payment history, violating the FCRA. 

XXXX and National debt holding failure to correct these errors and remove the account from my credit report constitutes a violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). I demand that XXXX take immediate action to correct these errors and remove the account from my credit report. I also demand compensation for the damages I have suffered as a result of XXXX 's negligence and failure to comply with the FCRA regulations. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries that are on my Experian report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX 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.

The following inquiries for fraudulent and have violated right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX  -Experian HAS VIOLATED MY RIGHTS 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. 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.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have reviewed my credit report and found that certain accounts are incomplete and inaccurate, constituting a violation of 15 USC 1681e ( b ).

Additionally, there have been breaches of 15 USC 1681s-2 ( a ) & ( b ), as well as 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ).

Under 15 USC 1681n, any failure to address and rectify these issues will result in civil liability for willful noncompliance. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  This account must be removed immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Please ensure the removal of the aforementioned accounts from my credit report and provide me with an updated copy post deletion.
Product: Payday loan

Opened an account with XXXX in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX. I recently went into Moneytree to cash a check and I was informed by the XXXX at the XXXX, WA location that I would have to pay half of what is owed to them in order to cash the check. I refused as I had filed bankruptcy and the statue of limitations had already passed on them to collect.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX, XXXX, and Experian keeps reporting me owing a total balance of ( {$25000.00} )... 
However, my total balance owed is only ( {$12000.00} )... 

I am requesting to have that debt removed from ALL ( 3 ) credit bureaus on grounds of reporting inaccurate account balance information.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Dismissed XXXX from Credit Report Hello, I am reaching out regarding XXXX XXXX that were filed but later dismissed, which are still appearing on my credit report. Since they were never activated, they serve no purpose remaining on my report. Unfortunately, their presence has severely impacted my ability to obtain credit, including rental approvals, a mortgage loan, and an auto loan. 

These dismissals are preventing me from rebuilding my credit, as I am consistently denied credit opportunities due to their appearance. I would like to request their removal from my credit report so that I can move forward in re-establishing my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXXI was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

Equifax is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.
Product: Debt collection

The collection company COLUMBIA DEBT RECOVERY has reported to a credit reporting company before trying to contact me. This account has been open apparently since XX/XX/2022. Today it is XX/XX/2022. They have not spoken to me about any debt in person, not by phone, not by email, nor by mail. I only found out that there was an outstanding collection via my credit card 's alert system that my credit score has dropped. This is unacceptable and violation of FDCPA. I should have given the opportunity to sent a debt verification letter.
Product: Debt collection

XXXX and XXXX of XXXX, Virginia have come for the debt several times. XXXX and XXXX took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from XXXX and XXXX until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by Capital One. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with Capital One has been removed from my credit report. 
My name is XXXX XXXX XXXX XXXX time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX acct # 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX Acct. # 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX XXXX Co Acct 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 a account without my written instructions n accordance with the Fair Credit Reporting act XXXX XXXX Acct 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 a account without my written instructions n accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Acct XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and the Account Name ; US BKPT CT GA 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: Debt collection

On Tuesday XX/XX/2020 I received 6 phone calls from my auto loan company, westlake financial, to collect on a {$200.00} balance. I made a partial payment of {$150.00} on XX/XX/2020. My payment is {$350.00} due on the XXXX each month. It's been my 3rd payment since getting the vehicle. All payments have been paid in full and on time. I need extra time due to a corona layoff, I asked for more time or if they had a program due to the outbreak. I returned a voice message and spoke to associate at XXXX and explained the situation. I was reminded about my contract and my obligation to pay. Moreover, I spoke with a supervisor who again reminded me of my signed contract to pay, during a pandemic, and told her the same thing I told 3 other associates. Even after that 16 minute phone call, I received two more phone calls. All I was asking for was more time, what I got was a harassment. This was deliberately done and there should be a punishment for it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXXXXXX XXXX XXXX ] ( Write to each relevant credit reporting agency, one at a time : ) Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -or- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ RE XXXX Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

[ This/These ] item ( s ) [ identify item ( s ) disputed by name of the source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] [ is/are ] [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete about each item, and why ]. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. 

[ If applicable : Enclosed are copies of [ describe any enclosed documentation, such as payment records, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with JP MORGAN CHASE & CO. HOME. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
JPMCB HOME XXXX Date Opened : XXXX Balance : {$270000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account # : XXXX Name of Account : XXXXl Debt Amount : {$17000.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$880.00} charged off, {$0.00} balance Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$530.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$460.00} Account # : XXXX Name of Account : XXXX Amount : {$2100.00} XXXX says not reported but it is
Product: Bank account or service

On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I attempted to open a new, personal CitiGold Interest Checking account. On XXXX XXXX, 2016 their telephone representative told me that my application was accepted and emailed to me a signature card, which I signed and faxed back to them on XXXX XXXX, 2016. Approximately 10 days later, I received by U. S. mail my first Citigold checking account statement, which showed my new account number and account balance. Then XX/XX/2016, I received their letter dated XXXX XXXX, 2016 stating that they did not open this account, claiming they were unable to verify information. 

Upon phoning them again, they refused to provide any information about what information about me they were unable to verify. They claimed my account was now closed. All representatives I talked to were completely uncooperative and entirely unhelpful about what I could do going forward to re-open this simple checking account. Note that I have been a Citibank credit card customer in good standing for over 10 years, so their bank does have extensive information about me. Also, I was not applying for any form of credit from Citibank. Instead, I was attempting to deposit my money into their bank. 

When originally opening this account, I told them that I was applying using Promotion Code = XXXX, which would allow me to receive a {$500.00} cash bonus if I met certain requirements of the promotion. It became clear in talking with their phone representatives that they were trying to not open this account to avoid eventually paying me this {$500.00} bonus. 

Their offering this new account opening bonus promotion and then refusing to actually open the account constitutes consumer financial fraud, deceptive marketing practices, and sales misrepresentation. I am requesting that ( 1 ) Citibank re-open my checking account under the terms of the original {$500.00} cash bonus promotion, and ( 2 ) the Consumer Financial Protection Bureau investigate Citibank 's many marketing promotions for all other instances of misrepresentation, fraud, and marketing deception.
Product: Debt collection

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.