23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am paying this debt to XXXX XXXX XXXX. This debt is 7 years old but is about paid off. Over the past two years I have gotten harrasing phone calls from other agencies, with threats of harm jail etc. The robo calls are getting on my last nerve, to the point I have had to change my phone numbers. How this all started was in XXXX XXXX XXXX had purchased the Pay pal smart connect debt, in XXXX I believe it was I get a call from XXXX  XXXX XXXX XXXX   who has gone out of business. 

I never got a dunn letter but paid the bill every month from {$540.00} down to {$63.00}. When XXXX went belly up XXXX told me to pay XXXX XXXX only, which I have and after what I sent them today am down to {$53.00} When you type in the phone number in XXXX that called me recently that wont stop it shows scam plain as day, a guy there said that back in XXXX I was taken advantage of and that I should not be paying this bill at all, so now I am confused, as of now XXXX and XXXX do own the account, and I have not missed any payments which I can prove. Another company that called and threatned me was XXXX  XXXX XXXX XXXX XXXX, when I emailed them they told me they would continue to persue even after I sent proof I was paying another agency. Anyway I am at my whitts end, and I really need your help the attorney general in Iowa is trying to help me to the best of his abilities, but I need your help also, please make these awful people go away. 

Am I doing the right thing by paying XXXX for XXXX since XXXX purchased the debt or have I been had? I do not know what to do but continue to pay Atlantic but I want the others to leave me alone. I think XXXX XXXX  sold my debt to other agencies but can not prove it. Please help me. The number that has been calling me lately with robo is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a significant issue regarding inaccuracies in my credit report. Upon recent review, I discovered several instances of incorrectly reported late payments on my accounts, which I would like to dispute. I kindly request your immediate assistance in correcting or removing these inaccuracies from my credit report.Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and require your immediate intervention for rectification. The company associated with these accounts have confirmed the errors during my telephone conversations with them and assured me of their commitment to correcting my accounts. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or additional information to expedite this process, please let me know. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX XXXX XXXX Collections. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ ________ - Loss of productivity and time : $ ________ - Emotional distress and inconvenience : $ ________ 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ ________ Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA.

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

First of all, this has been an ongoing struggle to get the credit reporting agencies to correctly report my credit information correctly. Apparently, there is another person by the same or very similar name and very similar social security number as mine. Over the past 9 or 10 years, I have sent numerous requests to the credit reporting bureaus to get my information accurately reported ; however, every time I check my credit report ( s ), I am given inaccurate information. I finally quit checking for the benefit of my mental health, since it was causing me much stress and XXXX. About a month ago, I checked into my report and once again, the negligence and incompetence of our credit reporting agencies was evident. This time it was after a dispute with XXXX. Upon the return of my investigation, I discovered the following inaccuracies : 1 ) I had 2 incorrect previous addresses reported ( both of which have been disputed in the past 10 years ). 2 ) My correct social security was listed at the top of my report ; but for some ignorant reason, they listed another INCORRECT LAST 4 DIGITS OF SOMEONE ELSES SOCIAL SECURITY NUMBER UNDER " OTHER ID ''. ( I have disputed the use of a similar social security number in connection with my report in the past 10 years with all 3 credit reporting agencies ... even warning them in the notes about NOT reporting or confusing me with another individual with a similar social security number. I AM A BORN CITIZEN OF THE USA AND I HAVE ONLY BEEN ISSUED ONE SOCIAL SECURITY NUMBER IN MY LIFETIME!!! WHY CA N'T THE CREDIT REPORTING AGENCIES ACCURATELY MATCH EVERY NUMBER TO THE CORRECT FILE!!! 3 ) I=2 entries of inaccurate employment reported. Both current and previous employment are inaccurate. I have disputed this in the past as well, and finally, Transunion and XXXX have entered the information for my employment accurately. Question ... why do n't they consult with each other or at least with previous corrections! 4 ) Innacurate credit account information. I disputed this account but likely it was linked back to my account back to the second social security number that was added to my file under " Other ID ''. XXXX and the other credit bureaus can not continue to put amother person 's credit files and information on my record just because they are looking for a scapegoat to pay for that other person 's bad debts. I have NOT moved in the past 26 years. It should n't be that difficult to report accurate information. I am a very humdrum citizen. I do not have any delinquent accounts and never have ... until they started mixing up my credit files with another person. If I had the money to spare, and I were n't an average minority, I would seek legal council to sue for compensation. I have spent far too many man hours and extinguished way too much undue stress to correct this issue of incompetence. As I said, this has been going on for the past almost 10 years. I have called and written letters to correct the inaccuracies ... but to no avail for it appeared again.
Product: Debt collection

Resubmission : I have reached out to first national  XX/XX/29 to request validation and I have not heard back from them. They are reporting inaccurate information, continually saying reporting that an account is negative every month, AND on top of their continuous reporting, they have not updated the file that I requested a dispute on the alleged account which according to section 1692e ( 8 ) is a violation of the FCDPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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.
Product: Credit card or prepaid card

This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( XXXX {$7400.00} and Discover {$7400.00} ) believing what he told me would be possible. XXXX XXXXXXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..
Product: Credit card or prepaid card

I opened a barclays credit card a few years ago through XXXX XXXX and my account was closed at my request I think two years ago. Since then Barclayscard will not permit me to pay my bill online. I am required to mail or phone in a payment method. 
I have had issues paying my overall credit debt so I have obtained services from XXXX XXXX XXXX. When they reached out to Barclays I was denied to be put on the program. I had to call BarclaysCard 10 times until they would give me a straight answer and kept trying to get me to use their approved list of credit counseling programs. They also told me my account will need to be at least 3 months behind to get offers and to be on credit counseling -- this is not good!! They want me to go behind and hurt my credit scores. 
The collection department stated I couldn't be on a program because I missed payments. I was asked for the 10th time to enroll in their own program paying $ XXXX/month. 

This is such an unfair business practice to have. They do this on purpose so you miss payments and have to pay extra fees.
Product: Debt collection

I enrolled in a debt consolidation program over 2 years ago with National Debt Relief ( NDR ), I included an outstanding debt to a XXXX XXXX XXXX XXXX credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as LVNV Funding LLC. NRD eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX. 

This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refused to change all false addresses, phone numbers, names and employment from my reports on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} ;
Product: Prepaid card

My name is XXXX XXXX. I receive my XXXX veteran compensation on the XXXX XXXX XXXX. I am currently in the XXXX. They are aware I am here, as I called them on XXXX XXXX, because when I tried to withdraw cash at an ATM here it declined the transaction. I've had this issue before. In the past they told me that they file a " white card '' to the fraud department. The white card is notification that I'm currently in the XXXX. This is done to prevent my card from being shut down due to suspicious activity on the account. Today on XXXX XXXX, I tried to send money to my girlfriends savings account and the card is declining. I tried to do the transaction with XXXX. This is not an unusual transaction, as I access my money using XXXX for the majority of my transaction every month. I try to call their customer service number and it gives you a recording telling you that due to high call volume, they can't take your call at this time. It then proceeds to hang up on you. 
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Product: Checking or savings account

On or around XX/XX/XXXX, I opened a checking account with Citizens Bank with a {$1000.00} deposit. On XX/XX/XXXX, I withdrew a {$400.00} certified check to pay for a necessary expense. At this point I had not yet received a debit card for the account. The account balance was then {$600.00}. 

On XX/XX/XXXX, {$500.00} was withdrawn from an ATM along with a {$3.00} foreign ATM fee. At the same time, 3 separate fraudulent checks were deposited and then attempted to be withdrawn in the amounts of {$3000.00}, {$1200.00}, and {$200.00}. 

On the evening of XX/XX/XXXX, I noticed these fraudulent transactions and called the bank 's fraud line, but it was closed for the day. Using the bank 's smartphone app, I flagged the transactions and used the in-app feature to freeze the card to stop any further fraudulent transactions. I was not in possession, nor had ever been, of the debit card. 

On the morning of XX/XX/XXXX, I called to report the fraudulent transactions via phone to the Citizens fraud department. They told me the claim would be submitted and expedited. Several days later, I received a letter saying the claim could not be expedited and that it had been submitted in duplicate. I later received a letter saying no error had occurred and the investigation was ongoing. 

On XX/XX/XXXX I called to follow up and was told that the deposits claim was entered incorrectly by the agent I had spoken to and the debit claim was still under investigation. I was told that the deposit claim would be corrected and resubmitted. 

In a letter dated XX/XX/XXXX, the bank informed me that the deposits would be debited from the account because they were being disputed. However, in a letter dated XX/XX/XXXX, I was informed by the fraud team that they were closing the account and ending their banking relationship with me. 

On or around XX/XX/XXXX, I went in person to the local bank branch to speak to a representative who informed me that the investigation was ongoing and that they would escalate my dispute. 

In a letter dated XX/XX/XXXX, though, I was told that the investigation was closed, no fraud had occurred, and I would not be refunded the stolen {$500.00}. Shortly thereafter, I received a check dated XX/XX/XXXX for {$97.00}, the remaining balance in the bank excluding the disputed funds. 

On XX/XX/XXXX, immediately after I had received letter dated XX/XX/XXXX, I called Citizens to dispute their investigation 's findings and ask to reopen the claim. They informed me that I would receive an email about the reopened claim within XXXX business days. I never received this email or any further correspondence from the bank.
Product: Credit card or prepaid card

I had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is still reporting an account that should have expired ( 7 year rule ). 
They refuse to fix the problem and continue to report account that should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

This is referring back to my case last year XXXX, I am constantly trying to get this resolved while XXXX continues to provide no updated information nor help. I have contact XXXX  numerous times via email and phone and all they say is someone will contact me, this has been for the past XXXX months no one from XXXX has ever contacted me regarding this. 
XXXX  claims I owe {$2400.00} towards a debt for an item I told them I never received, since XXXX  refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of XXXX. Anymore questions contact XXXX, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap
Product: Vehicle loan or lease

Purchased a car from a dealer - dealer used XXXX XXXX and I was approved also used XXXX - Dealer picked XXXX because they can tack on 5 % and cheat me on tharather then going with XXXX XXXX - I called XXXX XXXX to refinance they told me to pre qualify why pre qualify so they work with the dealer but not the customer? 

They did not prequalify me and said it is my trans union - I already have cases open with Trans Union so my credit score is XXXX difference from the other credit reporting agnecies Trans union is a scam - they do this on purpose getting kick backs from dealerships I wa stold that this needs to stop I want trans union banned and I will see to it this is discrimination and a government scam - so the dealership can tak on 5 % and that is good and approve me but on my own I can not be approved what a scam! This country deserves to be in this shape SO MUCH corruption - I want my trans union fixed now and I want XXXX XXXX logged as discriminatory and in cahoots with the dealerships
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. 

Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I have a 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.