23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX  I c alled to place an order with   XXXX   clothing catalog. The sales rep kept insisting on signing me up for a credit card even though I told her no several times. I finally gave in and she charged the first order to the card. After I got the merchandise, I waited for the statement but never receive d one so I s  ent the {$25.00} payment. I placed several more orders via mail and paid with a check. From  XX/XX/XXXX  t  o  XX/XX/XXXX  I ne ver received any type of statement from  XXXX  about my credit account. I received a statement i n  XX/XX/XXXX  showi ng I owed {$180.00}. It was a past due statement and no information was on statement showing what was charged. I called  XXXX  and was told they would look into it. I did not hear from them and then I got a letter from  Portfolio Assoc. Portfolio is  a collection agency and I explained to them that I did not owe the money and explained to them that  XXXX  was taking care of the issue. I called  XXXX  again and the customer rep did not know anything about the account and showed I owed the money. I called my daughter,  XXXX   XXXX , to help me and she called the corporate office for  XXXX  and explained the situation. They looked into the account and told her that I was being charged for a {$14.00}   "     VIP '' service w ith the credit card. I never authorized the   VIP service.   XXXX  researched the phone call and called my daughter back and told her they would credit all the charges since they were not authorized and they would contact  XXXX   XXXX    XXXX   on my behalf to get the account cleared. My daughter contacted the bank and everything was cleared on their end and my account showed a  XXXX  balance. I kept getting letters and calls from Portfolio and each call they were very rude and refused to work with me. I told them each time what happened and they continued to call. My daughter called  XXXX   XXXX  again to see if they could send something to the collection agency to to me showing everything is resolved. They did send me a letter explaining that I am not responsible for the disputed account and the we sent it to Portfolio and it was received on  XX/XX/XXXX . I thought the issue was resolved until I received anther letter on  XX/XX/XXXX  saying I stilled owed the money.
Product: Credit reporting or other personal consumer reports

If you are in collections, you are already considered " late '' on your credit report, as a debt being sent to collections means a previous account was not paid on time and is now being handled by a collection agency, which will appear as a negative mark on your credit report. It is the law that you can not be additionally marked as " late '' for the same debt once it's in collections. I will be pursuing this violation further if this is not corrected on my report. This account was placed on my report and then follow by an additional late payment mark the next month. That is a violation. 
This is in regards to XXXX XXXXXXXX
Product: Checking or savings account

Charged overdraft fees for insufficient funds in the account on multiple occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent out a letter via certified mail to the consumer reporting agencies informing them of the fact that there was inaccurate information being reported on my consumer report. There is a collection account being reported from XXXX XXXX for {$9000.00} I informed them that I was not liable for the collection and that I was in fact a victim of Identity Theft and also sent them the FTC report. I continued to send the documentation and my disputes are still being ignored, they are still reporting inaccuracies on my report and are not complying. I feel disrespected and violated, at this point I will pursue any avenue in order to resolve this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my AMEX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 inquiries that should be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX 2021. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Product: Vehicle loan or lease

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX 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 these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. 

They are not giving any consideration to the complaints sent by CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one charged me for a payment I already made. When I disputed it they said the chip was used and thats all the info that was given and my account went into the negatives over {$400.00} and Ive been struggling to get a new bank account because of this issue.
Product: Credit reporting or other personal consumer reports

Deleted inaccurate accounts reappeared back on my credit report after deletion please remove this inaccurate information asap. 



I am writing to formally dispute the reinsertion of an item that was previously deleted from my credit report. Upon reviewing my recent credit report, I noticed that a negative entry, which was removed from my credit history, has been reinserted. 

As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), if a previously deleted item is reinserted into a consumers credit report, the XXXX XXXX XXXX is required to notify the consumer in writing within XXXX business days of such reinsertion. I have not received any notification from your agency regarding this reinsertion, and I believe this is a violation of the FCRA. 

Account Details : Full Name : XXXX XXXX Date of Birth : XXXX/XXXXXXXX  ] Social Security Number : [ XXXX ] Credit Report Reference Number : Reinserted Item Information : XXXX. Creditor Name : XXXX Bank Account Number : XXXX Requested Action : XXXX. Please immediately remove the reinserted item from my credit report. 
XXXX. Provide a copy of the notification required under FCRA Section 605 ( b ), confirming that I was informed of this reinsertion. 
XXXX. Provide me with a corrected version of my credit report showing that the item has been removed.
Product: Debt collection

I have recently discovered that Allstate Credit Bureau accessed my credit report without my consent. According to the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), any entity must have a permissible purpose to pull a consumer 's credit report. Since Allstate Credit Bureau is not the original creditor with whom I have an account or any existing financial relationship, their action to pull my credit report without authorization is a violation of these regulations. Collection Entry Dispute : Additionally, I have noticed that a collection entry has been added to my credit file by Allstate Credit Bureau. However, it is important to note that Allstate Credit Bureau is not the original creditor for this debt. As such, Allstate Credit Bureau is required to provide verifiable information regarding the debt in question, including proof of ownership and the details of the original creditor, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In light of these issues, I request that : Immediate Removal of Unauthorized Inquiry : The unauthorized credit inquiry made by Allstate Credit Bureau be removed from my credit report. Verification of Collection Entry : Allstate Credit Bureau provides verifiable information to substantiate the collection entry on my credit file. If they are unable to provide this information, the collection entry should be removed. I already removed fraudulent inquiry this company had no permission to pull. I will be filing a lawsuit against company. This company needs to follow guidelines of the ftc. Reporting incorrect balances and also illegally pulling credit. I know my rights and guidelines when it comes to collections illegally reporting and inaccurately reporting false info. You have to get my written approval to pull credit. I will constantly make sure i will keep pressing on this issue until this is removed since it was already removed and and now currently reporting. Also you have to verify information regarding this company has not provided information. I will make sure this company will be on the block list. This company already has complaints regarding illegal reporting. I will certainly make sure this company is completely block for neglecting to provide any information to verify accurate info
Product: Consumer Loan

I XXXX XXXX receiv a threating letter from ncb management service.and threaing phone call s a bout a vehicle I do n't have.
Product: Debt collection

I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law. Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. 

Portfolio purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) Furnishing Deceptive forms to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owe, There are clearly many violations Fair Debt Collections Violations XXXX  XXXX also has no accounting records that show how this amount was calculated and sold to Portfolio Recovery Services. 

I have filled a complaint with all three credit bureaus and Portfolio has reported this debt accurate- They need to provide proof of the amount they are ruining my credit report for
Product: Credit card or prepaid card

For the travel rewards credit card on my account, there was a single instance where payment was delayed by 30 days from the due date. This was for a total bill of {$130.00} and this was the first such delay in over 10 years of holding an account with BoFA ( or any other creditor ). 

The reason for the delay was due to 3 different reasons 1. My dad 's deteriorating health followed by his eventual passing in XXXX. This meant I had to spend a significant time out of the country tending to his health issues for well over a month 2. The lack of a clear and obvious way to set up autopay on any bank of america credit card. 

3. The lack of alerting that let customers like me know that a payment was due or close to being 30 days overdue. 

As a result of this, I was both penalized by BofA and a 30 day delay of payment was reported to my credit reporting agency. When I contacted BoFA and explained this situation inXX/XX/2020,  the customer service person both understood the issue and expressly assured that an exception would be made and that the ding on the credit report will be removed as a one time courtesy. 

In early XXXX, I was informed by a letter that the ding will NOT be removed. 

Since late XXXX, I've been trying to reach customer service without success because of extended wait times. 

Going through the traumatic experience of my dad 's passing has been strenuous enough. It's incredibly disappointing to see Bofa treat a long-term loyal preferred gold/platinum customer in this manner.
Product: Debt collection

Portfolio Recovery Associates is trying to collect a debt they bought from XXXX and they are no longer Licensed to operate in the state of Missouri
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Discover Card today, XX/XX/XXXX for they are insisting to pay {$870.00} XXXX Most of it charges for late payment ). The Instant pot that I had bought from XXXX had been returned since the end os last year and XXXX had credited it on XXXX XXXX, XXXX. I also returned five boxes they sent by mistake. Still Discover card is billing me for something I did not buy. 
I would to correct this situation with Discover Card. 
Please help, Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I couldnt believe my eyes when I saw inaccurate accounts on my credit report. Ive always kept a close watch on it, and this has never happened before. I thought it might be a temporary error, so I refreshed my browser several times, but the accounts didnt disappear. Im left feeling helpless and unsure of what to do next. Im pleading for your team to thoroughly examine the documents Ive sent so this issue can be resolved once and for all.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXX 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: Checking or savings account

Capital One failed to complete direct deposits in a timely manner and did not communicate resolution to customers including ETA of when deposits would be available. 

XXXX deposits in the amount of : {$65.00} and {$2800.00} should have been available for use on XX/XX/year>. As of XX/XX/year> XXXX XXXX these deposits are not accessible.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my credit report, I noticed that I had some fraudulent accounts on my report. Please remove these accounts from my credit report, they are impacting my ability to obtain credit. I do not recognize nor authorize these accounts.
Product: Credit card

My original credit card rate on my American Express card was 10.5 % and over the years they have kept increasing it even though Ive not violated any of the terms of the credit agreement. I have never made a late payment. The worst increase was after the XX/XX/XXXX in XXXX. InXX/XX/XXXXhey incresaed the rate again to XXXX even though I had never had a late payment and maintained a credit score close to XXXX or better. These actions are just a money grab by American Express that is contrary to the terms of our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX XXXX  Account # XXXX XXXX Account Name XXXX XXXXXXXX XXXX Account XXXX XXXX  XXXX 15 U.S.C 1681 Secti

on 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 with my written instrutions. 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 reporting or other personal consumer reports

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditorsXXXX XXXX by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.