23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing the following account : Account Information : Account # : XXXX Account Type : Collection Agency/Attorney Creditor Type : Account Rating : Payment after charge off/collection Portfolio Type : Collection Owner of Account : Individual Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2800.00} Past Due Amount : {$0.00} Last Payment : {$0.00} Last Payment Date : N/A Original Balance : {$0.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX Paid off Date : XXXX Closed Date : N/A Resolution : Current Status : Placed for collection Action History : No Actions Taken Creditor Information : I C SYSTEM  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX sent mailed disputes to I C System in XXXX and have yet to receive a response. The company either fails to report fairly according to their own industrys Metro2 Compliant standards or is not meeting my states applicable regulatory mandates, which raises legitimate concerns. Additionally, I have repeatedly asked the agents to stop calling me, but the calls have continued. 

Specifically : 1. The negative information portrayed by the company may not comply with my states regulatory mandates and the required standards. 
2. It may also fail to meet federal regulatory requirements for lawful reporting practices, procedures, and processes. These standards are in place to ensure that all negative claims against consumers are accurate, complete, confirmed, verifiable, and validated. 

My contention is that I C System, either through ignorance or willful negligence, has elected to report information that lacks credibility according to their own governing bodys guidelines as outlined in the XXXX XXXX manual ( see XXXX XXXX ). The manual states : ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY OF THE DATA. This deviation gives me the right to contest the companys privilege to report such information against me. 

In my dispute filed with the CFPB, I requested I C System to provide documented proof confirming the accuracy and compliance of the information they reported against me. As a consumer, I have the right to demand ethical reporting practices that ensure the data reported is fair, true, correct, timely, complete, and provable. 

I C System has not responded to my demand for proof of adherence to reporting standards. This failure forces me to seek CFPB intervention to ensure the companys compliance with reporting laws. 

Please act now to have I C System remove any unproven claims from their records and reporting. Specifically, I demand the removal of any information inadequately reported ( such as account name, account number, and the type of alleged negativity, e.g., charge-off ) until the company can demonstrate compliance with reporting standards and provide provable evidence of the negative assertions against me. 

I am within my rights to demand evidence of reporting appropriateness, and I will continue to enforce these rights.
Product: Debt collection

A XXXX office enters into an written agreement to accept the insurance payment as complete payment for his groups services. He charged me and my ex wife {$30000.00} for operation and accepted that I will receive what the insurance company pays up to this amount and anything over this amount would go to his office. He has renagged on this written agreement and sent the case for collection to Credit Consulting Services. I provided our contract with the doctor to CSC That should our payment and agreement with the doctor 's office but CSC still keep trying to collect a non existent debt from me and my ex wife.
Product: Debt collection

I had a line of credit with them that was setup for autopayments. For some reason they claim that they were unable to collect payment for several pay cycles even though they had the correct banking info. I learned about this after they drafted {$300.00}. So they were able to take {$300.00} out after they closed the account for non-payment but could take the regular payments. They call me between XXXX XXXX almost every day. I have told them they are calling me outside the allowed time and that it is XXXX. They called this XXXX at XXXX my time. I have on 3 previous occasions I live in XXXX  and the time they are calling. On XX/XX/XXXX they call at XXXX and XXXX XXXX. XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
Product: Credit card or prepaid card

I purchased a patio furniture set from XXXX on XX/XX/2022, for {$850.00} using my Capital One Quicksilver card, the patio furniture was delivered damaged on XX/XX/2022, I called in the same day I received it for some type of help for a replacement and I got no help from XXXX, so I made a dispute with my credit card, then I see on XX/XX/2022, while the dispute was still ongoing XXXX charged my card again so now I owe {$1700.00} total to my credit card for one purchase, when I called Capital One for help on the double charge they opened a separate dispute, after 2 months of countless hours on hold with Capital One providing them emails and documents, Capital One now says they have sided on XXXXXXXX favor for both disputes. 

Why did capital One side with XXXX : because XXXX provided a tracking # to Capital One to justify the 2nd charge.. when I looked at the tracking # XXXX  provided to Capital One as justification for the 2nd charge it is the same tracking # for the 1st charge, they used the same tracking # for 2 charges.
Product: Debt collection

This debt was originally with a different company. I provided a police report proving identity theft. Now the debt is transferred to new company. This is unethical and I feel should be agent the law,. I provided prof and this is not my phone. My purse was stolen with ID ans social security cards back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where is my credit report from these clumsy derelicts at equifax. I faxed them my information, copy of my last electric bill. Copy of my refund from my last landlord in XXXX, ca. I refused to give these clumsy derelicts my social security number on paper. These incompetent clowns send my wife a free report WITHOUT her actually asking. How ignorant is that?! # Where is my free report that should of been sent weeks ago. Especially since there sloppy website does NOT let me create a account. There generic XXXX website. Will not recognize me. NOBODY competent, marginally intelligent there fix simple blunders they self created. Futile calling all those sloppy unanswered phone numbers, getting jerked around it 's the wrong dept?! # Long wait times, incorrect options, evasive blunders with there sloppy robot generated numbers. WHERE IS MY CREDIT REPORT?! #
Product: Debt collection

The original contractor has attempted to collect final payment on a job that was not completed to code on multiple occasions via multiple firms. Please see communication string below for additional detail. 

-- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXXXXXX XXXX MST Subject : Reference : XXXX This email will serve notice to Sayer Law Group, P.C. to cease and desist all collections activity on behalf of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXXXXXX for the Home Improvement Agreement dated XX/XX/XXXX. 


The material breach of contract by XXXX XXXXXXXX XXXXXXXX XXXX outlined below has still not addressed the code violation nor provided a copy of the building permit for this work showing it has passed inspection. 


The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXXXXXX XXXX XXXX XXXXXXXX committed a material breach of the Contract and failed to correct the breach of the contract within ten ( 10 ) days notice of the breach. XXXX XXXX XXXX repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] C101.2 - Stud Cutting and Notching. XXXX XXXX XXXX XXXX cut studs to a depth greater than 40 percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 


Should Sayer Law Group, P.C. not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

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 MST Subject : Reference # : XXXX This email will serve notice to XXXX XXXX XXXX XXXX XXXX XXXX to cease and desist all collections activity on behalf of XXXX XXXX XXXX XXXX for the Home Improvement Agreement dated XX/XX/XXXX. 

The agreement was terminated in accordance with the Termination clause of the agreement. 

XXXX XXXXXXXX XXXX XXXXXXXX committed a material breach of the Contract and failed to correct the breach of the contract within ten ( 10 ) days notice of the breach. XXXX XXXX XXXX repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] C101.2 - Stud Cutting and Notching. XXXX XXXX XXXX XXXXXXXX cut studs to a depth greater than 40 percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX
Product: Credit card

Citibank cancelled a credit card and will not reopen. I was given no notice that this card account was being terminated- This has affected my credit score. 
I had this account for several years-since XX/XX/XXXX andI never missed a payment-I was never late with a payment-I never did anything but pay on time and they cancelled the card. I was told that i had not used it for a considerable length of time so they closed the account and they said that they do not have to tell me that this is going to happen-they can do this at their discretion. I tried to find out when the last time was that I used the card but this is an online account and I have no access any longer.I can not obtain any information from the website any longer as this account is now dead and closed and phone customer support would not give me the information either. The closing of this account has hurt my credit score and I feel it was closed for absolutely no reason and I had no warning that this card was being terminated. If I had I certainly could have put a purchase through on it to keep the account viable, but it is closed. When I first found it was closed I contacted customer support where the agent had no idea what I was talking about and initiated a credit limit increase-which obviously was not what I was calling about so this was turned down. Then I called again and spoke with a supervisor who pretty much told me she would resubmit my desire to reopen the account but that it would probably be denied and it was. I was told that this was because I have a lot of accounts and have considerable payments and they would not reopen but had I used this card it would not have been closed so my outstanding balances were not an issue then but they are now-they had even sent me a new card with an expiration date of XX/XX/XXXX so I do not know what happened. Just want to try to get this reopened-even if the credit limit is less than it used to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

I went to XXXX XXXX  roughly around XX/XX/XXXX in desperation I applied for a car loan unknowing what I was being told I signed the contract it was a XXXXXXXX XXXX loan I put down XXXXXXXX XXXX  Ive paid XXXXXXXX XXXX XXXX since XX/XX/XXXX and Im still in the negatives regarding my auto loan its a XXXX XXXX XXXX my loan term is 6 years thatll bring my total amount paid to XXXXXXXX XXXX for a estimated XXXXXXXX XXXX  car. I was manipulated. Into a contract due to desperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the Credit to remove the five accounts from my credit report in XX/XX/2022. It is my Consumer right to the right or Privacy U.S.C Section A Right to Privacy. U.S.C. Section 604 A Section 2 nothing should be written on a consumer report without written permission from the consumer. The accounts have been either paid and was told it was being removed plus i have my credit report which have different dates which i received notice it was verified on all four accounts including the XXXX XXXX XXXX complaint i also filed the four accounts are 1. XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXXXXXX 3 XXXX XXXX XXXX XXXXXXXX 4 XXXXXXXX XXXX XXXX XXXXXXXX 5 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXXXXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$250.00} ), XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Highest Balance {$370.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Company : Transworld Systems Inc. 

Issue : Delinquent debt of {$280.00} negatively impacting my credit report found while attempting to gain security clearance for a XXXX  job. Credit Report shows account opened in XXXX. I have no idea if I owe this debt. I attempted to call the number for this company on my credit report. 

Incident : XX/XX/XXXX, XXXX XXXX  - Called phone number on credit report to resolve issue, on hold for 38 minutes, when agent finally answered, I could barely hear her due to crackling and language barrier. After repeating for clarification multiple times and agent becoming aggressive because I could not understand her, it was determined that I could not verify amount of debt owed, what debt was for or any other information unless I gave her a credit card number. Supposedly, upon submitting cc info, I would receive a verification code then they would supposedly verify the debt owed. I refused to comply as this appears to be a scam. I have never had to give credit card information to retrieve account or payment owed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2020 my mortgage bank, XXXX XXXX, offered me a forbearance for 3 months due to Covid-19 pandemic issues. 

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and XXXX XXXX  said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and TransUnion are still reporting it as {$340000.00}. XXXX  is reporting one month behind at {$320000.00}. 
I have notified XXXX XXXX several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to TransUnion to file a dispute, and I have tried numerous times. 
So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way XXXX added {$25000.00} to my loan balance did affect my credit score. 
Second, I feel XXXX is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute with Equifax about DIVISION OF SUPPORT ENFORCEMENT, It is reporting as a closed collection with a past due balance and late payments. I disputed this with a list of ALL payments made going back to when I agreed to pay the amounts I do. This is paid via a garnishment on my paycheck. The state of XXXX  takes the payment for the past due amount " arrearages '' of the first case that the kids are now over XXXX and not in school and XXXX is taking out for the current order on my younger daughter and I have elected to pay more then the amount agreed every week. On XX/XX/2022 I was sent a PDF dispute result from Equifax and the balance was changed, the payments were listed and the account status was changed to open. It is still being reported on my actual report as closed collection with a balance and past due amount. This I believe is unlawful and being report incorrectly
Product: Credit reporting or other personal consumer reports

I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following are inquries XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE FRAUD ALERTS TO BE PERMANATELY REMOVED FROM MY CREDIT FILE. XXXX HAS REFUSED TO REMOVE THE FRAUD ALERTS ON XXXX OCCASIONS.
Product: Checking or savings account

I am a single mother of XXXX, and recently ended a relationship where I seldom worked but stayed home to take care of house and family. Needless to say the breakup left me financially struggling, but I am trying to get back on my feet. I made the mistake of borrowing money from a quick loan organization. It was ok until the 1 time I didn't have enough money to cover the funds. I over drew my account {$160.00}. With the fees and check fees associated with that transaction it over drew my account {$230.00} total. As of today i am being charge {$700.00} in reoccurring fees, that I haven't been able to fix since XXXX. The fact that I am being charged {$700.00} additional dollars for a {$160.00} dollar issue is outrageous, and it got worse today. My ex and i still have a joint account for bills regarding the children like daycare or school clothes. He put {$300.00} of his money in the account for our sons daycare and the bank took it and put it towards my fees. Well over {$160.00} I actually overdrew. I called the bank and explained my hardship and how they have worsened it and asked them to put the money back and offered to set up a payment plan. I let them know that if they had reached out to me prior I would've tried to fix as much as i could before they took the money, or told my ex not to put his money in that account. They said there was nothing they could do and tried to get me to pay the remaining {$500.00}. They are a multi XXXX dollar organization. I find this so upsetting i sat in my car a cried for an hour before i could pull myself together. I understand i need to fix the fees, but taking money from someone else is outrageous. And the lack of sympathy or empathy is inhuman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian and XXXX. I have been turned down for a credit due to mis- reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than XXXX  days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX  digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX XXXX, before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor : DPT EDXXXX XXXX Date Opened : XXXX Balance : XXXX DPT EDXXXX XXXX Date Opened : XXXX XXXX : XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX