23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last Thursday, I received a phone call that went to voicemail. It was apparently a recording, since the beginning was cut off. It turned out to be from a collection agency that threatened to file a XXXX and report me to credit bureaus. The message told me to go to their website, XXXX 

Since I was unaware of any delinquent payments, I went to their website. The name on the collection agency 's website was XXXX XXXX XXXX. The phone number is listed as ( XXXX ) XXXX, but there was no email or postal address. I was asked to enter my phone number and the last XXXX digits of my Social Security number. My supposed debt was to Washington Mutual, a company that ceased to exist in XXXX. 
I did at XXXX time have a credit card from Providian that got taken over by Washington Mutual, but that debt was discharged when I filed for Chapter XXXX bankruptcy ( Case No. XXXX, Date of Issuance : XX/XX/XXXX ). I dug out the paperwork I received afterward to make sure that my debt to Washington Mutual was, in fact, listed among those that were XXXX. 

According to the last page of the document, " The discharge prohibits any attempt to collect from the debtor a debt that has been XXXX. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take an other action to collect a XXXX debt from the debtor. '' After visiting XXXX 's website, I received a text message from " XXXX with XXXX '' ( XXXX ) offering to help resolve the matter, but ending " calls XXXX continue unless already resolved. '' I replied that this was a debt that had been XXXX to a company that no longer exists, and said that I would be reporting these attempts to the appropriate authorities. I received another call today, identical to the first XXXX but from a different area code. These calls are causing me to lose sleep and be unable to concentrate on my work! 

I am attaching a recording of the call I received today ( Monday, XX/XX/XXXX. )
Product: Credit reporting or other personal consumer reports

I've ask many of times to have these inquiries to be removed off my account, I just would like thos situation to be resolved..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with XXXX. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time XXXX chose to keep the erroneous information on my credit report because the collection agency, IC Systems, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from XXXX 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor IC Systems ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

XXXX failed to conduct any meaningful investigation into the factual basis for the claims made by IC Systems. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for XXXX to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Payday loan, title loan, or personal loan

Easy pay finance Ive been paying them for over a year and I pay XXXX by weekly on a XXXX loan and I still owe them XXXX didnt realize the interest rate was going to be so high they just told me to try and pay it off XXXX 90 days. I just dont understand why may balance due is not going down. Ive did some research on a few things and was told its because the interest rate is 59 % I didnt know the was legal in state of NJ. Help please
Product: Debt collection

Subject : Urgent : Discrepancy and Concerns Regarding Account Dear XXXX  XXXX XXXX : On XX/XX/year>, I received a letter from XXXX stating that my account was closed due to unauthorized activity. The letter mentioned they would be working with Synchrony Bank regarding fraud liability and notified the credit reporting agencies about the issue. 
However, things have only gotten more confusing from there. I recently received a statement showing that I owe {$31.00}. I have no idea where this bill is coming from or why I would owe anything, as I havent made any purchases through XXXX in quite some time. 
In XXXX, I received another statement, this time indicating a balance of {$63.00}. Yet again, there is no explanation as to why I am being billed. This has left me feeling frustrated and helpless. 
When I attempt to call for assistance, I am directed to an automated bot that is completely unhelpful in addressing my concerns. It is nearly impossible to resolve this issue through their system. 
This situation feels like a scam. In my understanding, receiving a bill would typically imply that Ive agreed to a purchase or service, but I havent authorized anything. 
Any help or guidance you can provide in sorting this out would be greatly appreciated. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

Fraudulent Charge on Citibank Credit Card - Request for Assistance I traveled to XXXX from XX/XX/2024, to XX/XX/2024. During my trip, on XX/XX/XXXX and XXXX, 2024, there were several fraudulent charges on my Citibank credit card. 

Upon returning from XXXX, I formally filed a complaint with Citibank and reported these transactions as fraudulent. 

Today, I called Citibank, and they denied my fraud claim, holding me accountable for these transactions, which I did not make. The total amount in question is approximately {$1000.00}. 

I kindly request your assistance in resolving this matter with Citibank as soon as possible. I have attached my transaction statement highlighting all the fraudulent charges.
Product: Credit reporting or other personal consumer reports

Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
Product: Credit card or prepaid card

I have been paying on a closed account with XXXX XXXX with Comenity Bank since 2019 when XXXX XXXX closed their stores. I have never missed a payment, and have always made payments online. Last week I tried to access my account online to set up my XX/XX/XXXX payment. When I attempted to log in, I received a message about problems with full access to accounts due to a system update. It tells me I can still make a payment using XXXX XXXX, but since I no longer have an actual credit card, and only received statements online, I do not know my credit card number. This fact prevents me from setting up access to my account online. When I call to speak to customer service, I get no help at all. They either hang up on me or I can not understand them due to their accent. The last person I spoke to told me to try again next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

An address related to identity theft is on my Experian report and they refuse to remove it. 

I disputed the information on XX/XX/2021.
Product: Credit card or prepaid card

Follow up-to Case number XXXX Complaint filed XX/XX/20 Heard from PNC Bank today. I spoke with XXXX XXXX, Executive Client Relations. Having promised me a fair resolution, back on XX/XX/XXXX, she assured me this matter would be thoroughly researched. In addition, Ms. XXXX promised me, if any reason, I am not granted a credit card, in that she would offer me other options in order to help me pay my medical and dental expenses. Well, that was all a bold-face lie. Ms. XXXX contacted me informing me there was nothing the bank could do for me. Again, all due to my Ch XXXX bankruptcy that has now been discharged for well over a year. MsXXXX XXXX also got the information wrong, where she referred my filing as a Ch XXXX filing and not Ch XXXX. 
Again, I am extremely dissatisfied with PNC and how they consistently mistreated me during this process. This was by far the worst experience I have ever had with any banking institution. When I questioned Ms. XXXX on disclosures, she had no answer for me. That itself is rather scary. Again, I feel very discriminated against by this bank. All due to my past bankruptcy. How incredibly unfair is that? No other bank has ever treated me this badly. I very much want this complaint to go directly to the bank President, Mr. XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I Am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent, and address fraud in their platform, leaving my account vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair, and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act, and regulation E. These actions have caused significant inconvenience l, and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance LP continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending 10 letters, The credit agency failed to verify the accounts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my consumer rights have been violated. TransUnion is violating my consumer right to privacy Pursuant to XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. TransUnion is violating my consumer right Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Immediately remove the account from my credit report. XXXX XXXX XXXX XXXX Credit Card # XXXX. 

TransUnion does not have written permission documentation from XXXX to furnish an account on my consumer report. 

THE ACCOUNT IS NOT MINE AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES. TRANSUNION HAS NOT PROVIDED PROOF OF VERIFICATION FOR THE ACCOUNT THEREFORE THE ACCOUNT NEEDS TO BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following account : Account Name : XXXX XXXX XXXXXXXX Account number : # XXXX with XXXX XXXX XXXX, and Equifax on multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family. 

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly.

Also, 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.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.
Product: Debt collection

I went onto my XXXX  XXXX account to check my credit score. It was lowered from XXXX to XXXX. I remembered that I was sent a letter from the Levy Law Firm Co. , LPA, who, I have been waiting since XX/XX/XXXX of this year ( the first time I called the firm I couldn't get in contact with the debt collector, but I left a message to their voicemail ) to hear from them about a XXXX debt I owed for some kind of medical bill. After the 4th time I tried to get in contact with them since XXXX, which was today, a debt collector answered the phone. I asked why I have had not received a response since XXXX, and their excuse was that they did not have enough people to answer the phones because of Covid-19. The debt collector then told me that I owed a XXXX debt for a missed appointment on XX/XX/2021, with a Doctor XXXX XXXX who practices for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The debt collector gave me the phone number to the XXXX billing department so I could talk to them about the medical bill and find out what it was for. I told the debt collector that I would call her back. I then called the XXXX billing department. It turned out I did miss an appointment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, which was an appointment with an allergist. The XXXX billing department said they sent me four letters after XX/XX/2021, with a bill for the missed appointment, with the first one being sent out on XX/XX/2021. I tried to explain to them that I had never received any bills from them in the mail, but they did not believe me. They told me that it was " out of their hands '' and that I should call the debt collector back. I called back the debt collector at the XXXX XXXX XXXX XXXX XXXX and was sent to voicemail again. I believe that the XXXX XXXX XXXX XXXX intentionally did not call me since the time I left the voicemail in XXXX so I could not pay off the debt and so that I would be penalized on my credit score. There excuse for not calling me back was because they did not have enough people to answer the phones because of Covid-19, but that is unacceptable because they are a law firm/debt collector and definitely could have followed up with me after I left the voicemail by calling me back and allowing me to set up a payment plan with them like was originally mentioned in the letter, but they did not do that.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts and Inquiries In XXXX, I contacted XXXX, TransUnion, and XXXX to dispute fraudulent information on my consumer report related to an unauthorized address and accounts/inquiries from companies such as XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  XXXX and XXXX. These accounts and inquiries were fraudulently opened using my Social Security number without my knowledge or consent. 

Fraudulent Address I also discovered an unauthorized address, [ XXXX XXXX XXXX XXXX, XXXX, KS XXXX ], repeatedly appearing on my credit reports, despite multiple disputes and its removal. I have lived in XXXX, TX, for the past five years and have no connection to this address. The credit bureaus have provided no evidence linking me to it, yet it continues to reappear. 

In addition, I am a victim of identity theft, as documented in an FTC Identity Theft Report ( # XXXX ) and a police report ( HPD Case # XXXX ). My personal information, including my Social Security number and driver 's license, was compromised during the XXXX data breach. 

Despite providing all required documentation to substantiate my claims, XXXX, TransUnion, and XXXX have failed to prevent the fraudulent accounts and address from reappearing. Their actions have caused harm to my financial reputation and emotional well-being. 

Harm Caused by Inaction : / Credit Score Impact : Because of unauthorized inquiries in XXXX : After disputing and removing the first inquiry, my credit score dropped by XXXX points before temporarily recovering to XXXX. 
A second unauthorized inquiry appeared weeks later, and my credit score dropped by XXXX points after the dispute. However, the score never returned to its original level, despite no high credit usage, late payments, or outstanding balances. 
When I contacted XXXX for an explanation, they were unable to provide XXXX. 

Constant Monitoring and Distress : This ongoing issue has caused constant distress, as I am forced to : Monitor my credit reports and alerts not only with XXXX, XXXX, and TransUnion but also with XXXX, XXXX, XXXX, XXXX, and other lesser-known bureaus. 
Continuously search for additional credit reporting agencies that may be receiving or selling incorrect and fraudulent information about me. 
This exhaustive and repetitive process has consumed a significant amount of my time, caused emotional stress, and incurred additional costs for credit monitoring services. 

I am aware that the CFPB has filed a lawsuit against XXXX for improper dispute handling, and I believe my case reflects the same systemic issues. 

Potential FCRA Violations I believe these issues are indicative of systemic failures, including those highlighted by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for improper handling of disputes. In my case, XXXX 's failure to prevent the reappearance of disputed fraudulent information and the unexplained harm to my XXXXredit score align with the practices cited in the lawsuit.
Product: Payday loan, title loan, or personal loan

I received a letter from Cottonwood financial on XX/XX/2019. Cottonwood financial claims they have investigated my claim and came up with the resolution that it belongs to me. They are stating they have internal loan records. I spoke to the representatives on the website and can not get a hold of anybody. I need all documentation that cottonwood financial has because I have never seen it nor have I applied with this company. I am a victim of identity theft and can provide documentation.The letter provided to me has a number that is disconnected. Please send me all the information that is bearing my signature and all documentation is attached to my name.