23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CONDESCENDING!!! UNPROFESSIONAL!!! 

Today is XX/XX/2021, and I just got off the phone with a " manager '' at this horrendous organization, and I have NEVER been so insulted in my life. As a former XXXX XXXX XXXXXXXX, I can not imagine EVER speaking to an individual the way I was spoken to today, and by a manager no less! 

I was called by a female for the second time from this company, following up on a debt. That debt was previously with another company, which I was making payments towards monthly ( the money was being debited directly from my bank account ). When that debt was transferred to *this* company, two of the payments that I'd made to the initial company were returned to me via check. 

As I was explaining the situation to the female ( and respectfully, as I understood that she is just doing her job ), she put me on hold and suddenly a man came on the phone, identifying himself as Mr. XXXX ( spelling?? ), the manager. 

From the start, he was extremely condescending, insinuating that I was purposely not paying my debt. He threatened to contact the original debtor, telling them that the client ( me ) is " refusing to pay '' ( which I was NOT ). He then listed a series of payments that I'm making towards other things ( car loan, personal loan, etc. ) and basically said if I had money for them, I should have no problem handling *this* debt. HOW DARE HE?! I was furious that he would presume to know my financial situation. 

I tried to explain to him that I never said I wasn't going to pay and that my personal loan was for a medical expense ( not that it's his business ), but he laughed at me & continued to talk over me. He suggested that I haven't made any payments on this debt nor attempted to, which I tried to tell him was NOT TRUE. 

I told him he was being condescending and that I didn't appreciate the way I was being spoken to, but that didn't stop him from continuing to harass me. Eventually, he hung up on me. 

I have a XXXX XXXX  which results in many medical expenses, all of which I PAY. My personal loan was for one such medical expense. 

I'm thoroughly disgusted that someone would think it's OK to speak to people this way. I've read negative reviews on XXXX from folks who have had a similar experience to mine with this organization. The company 's responses to those reviews should tell you all you need to know about what kind of a company this truly is. 

I hope that someone takes charge of holding this company accountable for their abhorrent actions. To treat another human this way is UNACCEPTABLE.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX accnt # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2025 Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.

I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.

Accounts are reported in the correct status, including any that may be beyond the statute of limitations.

Any unverifiable accounts are promptly removed.

Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made.

I trust that Experian will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

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

Im accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USU 1681 Account name/ number - XXXXXXXX XXXX 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 report agency may make any consumer report containing any of the following items of information any other adverse item information other than records of conviction of crimes which antedate 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 reporting or other personal consumer reports

My name is being reported incorrectly address is inaccurate job is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the difficulties I have encountered in accessing my free annual credit report through your online platform. Despite multiple attempts, I have been unable to obtain my report, which is essential for me to review and ensure the accuracy of the information contained therein. 

Each time I log in to access my report, I encounter obstacles that prevent me from completing the process. Whether it be technical glitches, denial of access, or requests for alternative means of verification. the result is the same- I am left without access to vital information that is crucial for managing my financial affairs responsibly. 

As a consumer, Ii am not only entitled to but also legally obligated to access my credit report in order to identify and dispute any inaccuracies or fraudulent transactions. However, the barriers I have faced in obtaining this information are hindering my ability to fulfill this obligation. 

I urge [ XXXX/Experian ] to address these issues promptly and ensure that your online platform is accessible and user-friendly for all consumers. It is imperative that you uphold your responsibility to provide accurate and timely access to credit reports, as mandated by law. 

I request that you take immediate action to resolve this matter and provide me with the necessary assistance to access my free annual credit report without further hindrance. I appreciate you attention to this matter and look forward to a swift resolution Sincerely, XXXX XXXX
Product: Debt collection

This company erroneously charged me {$1500.00} for an XXXX. In the medical office, the staff told me that the total out of pocket cost for the XXXX would be {$400.00} and that I would not have to pay anything else. Soon afterwards, the medical office sent me a bill for {$1500.00} saying that I owed them additional monies. If I knew the total out of pocket cost for this elective test was close to {$2000.00} - I would not have agreed to do it. The company was very deceptive and baited me to pay {$400.00} in the office and then charged me {$1500.00} afterwards. I spoke with someone at the office and they agreed to remove this charge but then when it got escalated to management, they would not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of a violation of the laws pertaining to the protection of personal information. My name is XXXX XXXX, and I am filing a complaint against XXXX XXXX and Transunion as a natural person who has experienced identity theft. These businesses violated my right to privacy by accessing my consumer report without getting my permission or approval in writing. They have also given other companies access to my non-public personal information. It is outrageous that XXXX XXXX and Transunion are in clear breach of my right to privacy as a customer. of the Gramm leach Bliley Act of 1999, and the FCRA. pursuit to 115 U.S Code 1681c-2 Block of information resulting from identity theft. They did not handle their responsibility of protecting my non-personal data with impartiality and respect. please delete all these accounts. 

Account # XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my XXXX from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful I also have several unauthorized inquires on Transunion from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to Transunion and disputed the information and was unsuccessful
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my credit X/XX/17 I filed a fraud report due to receiving a call from lending tree stating I was approved for a loan. I advised them I never applied for a loan. I looked at my credit report through my XXXX XXXX  card and I have over XXXX inquiries for credit I never applied for. Then there 's names and social security numbers not mine. I called trans union and was advised the fraud report will fix it. Now my credit score is dropping and I am doing nothing. Then my XXXX card is reporting wrong information. I had to get new bank cards and replaced my credit cards. I just want this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.
Product: Debt collection

Payment reported as late but mailed in plenty of time. Late charges were reversed, but my deceit report showed 30 days late. I want the 30 days late removed from my credit report. 

Thank XXXX
Product: Checking or savings account

Hello, On XX/XX/2021, I became the victim of a scam. I am a Wells Fargo customer of many years. I am a working mother of XXXX small children and I was taking them to the doctor when I received an urgent text message appearing to come from Wells Fargo telling me that I had fraud on my account. I then received a phone call from Wells Fargo ( the same number as their customer service! ) and they told me that there were seven XXXX transactions that were fraudulent and asked me that if they were able to determine who did it, would I want to press charges. I said yes. They then said that because XXXX transactions use a different process, I had to send the money back to myself. I was instructed to send them to ( my name ) and then I would receive confirmation that the money had been sent back to me. The transactions were for : {$400.00}, {$490.00}, {$500.00}, {$520.00}, {$520.00}, {$550.00}, and {$560.00}. I also received an email from XXXX XXXX  XXXX to enter an access code, which I never sent. Then they sent a confirmation email for each of the transactions telling me that I had received the money. I never gave them my email address. That is when I became suspicious and contacted Wells Fargo from my online banking. They told me to file a claim, as there were no deposits, only withdrawals from my account. They said that they would investigate the matter, but in the meantime, all of the funds were gone from my account. I read the error resolution information and it said that if unauthorized transactions occurred, that they would give me 'provisional credit ' until the investigation was over. I never got that! In the next days, I received letters from Wells Fargo saying that the transactions were processed as requested and my case was closed!! They said that as a 'courtesy ', they would continue to attempt to assist with resolution with the receiving institution. 
I would never have done this had I not believed that Wells Fargo was instructing me that there was fraud and that I had to take these steps to help me. I have been trying to research these scams, and I read that many big banks tell their customers that there is nothing they can do, and that they are just out money. I also read that recently the CFPB made a publication that says banks can not do that, and that they can not blame the customer because the customer didn't know that they were doing something wrong. 
I hope that you can help me, and thank you for taking the time to read my message.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DLRSVC/WACHO ACCT # XXXX is what i'm having a problem with at this time. They have late payments showing in XX/XX/XXXX and XX/XX/XXXX which is not accurate. I've tried to talk to them and have it corrected but they refuse to assist and make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to Transunion, XXXX and XXXX asking them to provide me with verification of proof of Bankruptcy # XXXX and Bankruptcy # XXXX sent up a follow up letter on XX/XX/2021 and they failed to respond validating the reporting of Bankruptcy which is a FDCPA violation because they continued to report the bankruptcy without proof. They ( Tran/XXXX ) responded stating that they " verified '' these both case numbers/bankruptcies through XXXX XXXX and Court. 
I contacted XXXX XXXX and Court directly and court responded that that they do not share my information with any credit bureaus. XXXX XXXX sent me letter and deleted bankruptcy from their records. 
On XX/XX/2021 I sent XXXX XXXX letter to all 3 credit bureaus ( TransXXXX  XXXX and showed them deleted bankruptcy, informing them that if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. On XX/XX/2021 I sent notification with intent to file for FCRA violation and they keep responding bankruptcy " verified ''. They have once again refused to delete these items which is imploding on my ability to purchase a home and car and causing me to pay thousands more in interest every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting unverified incorrect erroneous on me after i have asked them to correct the issue and refuses to make the necessary corrections
Product: Vehicle loan or lease

My car was stolen on XX/XX/XXXX. It was recovered on XX/XX/XXXX. My car was totaled. Insurance deemed it a total loss. I used capital one to refinance this car in XX/XX/XXXX, at that time I had to submit title paperwork etc. My insurance has been waiting to send the total payout, but come to find out capital one never perfected the loan last year during my refinance. This has caused extra amounts building against my loan. The filter is still not perfected.
Product: Credit card or prepaid card

On XX/XX/2021 my online XXXX was hacked into and two charges totalling {$110.00} were made and charged to my Paypal account. I disputed the charges with Paypal as made by an unauthorized user and the claim was denied, stating that the use wasn't unauthorized. XXXX has had me send a letter to Paypal where they support my position that there was unauthorized use of my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car through ally financial in XXXX and paid for XXXX insurance. In XX/XX/XXXX the car was totaled which the insurance paid for and whatever was remaining was paid for by XXXX insurance. I had no idea about a balance being open or where it can from. I was also never late and always paid, and you would see this is the only account on my report with issues but no others. I filed for unsecured credit card debt chapter XXXX after a divorce in XX/XX/XXXX and I know that its on my report. However, ally is using that and staying on my credit damaging it so I dont get loans and wont talk about where this amount came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going to the same XXXX  for 11 years ( XXXX XXXX XXXX ) during this time period my address, email address and phone number have all remained the same. I have received many calls, email correspondence and mail from them over the years but absolutely zero correspondence about a XXXX dollar debt that they claim that I have. The debt may or may not be valid and I do not dispute the debt itself. My issue is that XXXX XXXX sold this debt to XXXX XXXX and then was reported as a collection to Equifax. I have reached out to all parties several times and none has made any attempt to rectify this error. I have ( otherwise ) perfect credit and demand that this erroneous information be removed or proven. The burden has been put on me to prove that I never received correspondence which is possible. I am willing to pay the XXXX  dollars and not challenge the validity of the debt but not unless and until this fraudulent derogatory on my pristine credit report is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX XXXX XXXX i believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX  Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX