23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2012 I took out a payday loan of around {$1000.00} from the " XXXX XXXX '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX XXXX XXXX grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated XXXX and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.
Product: Debt collection

I received a call today from someone from the " XXXX XXXX XXXX '' law firm, stating that they were suing me in county court over a loan balance that has been paid off for years. I have records to prove that. 

They told me that they sent me collection mail to an address I have never lived at and have nothing to do with, but that it was too late now to send me anything in writing and that if I didn't pay at least half of what is owed over the phone today then I would " be dealing with the law enforcement and judge tomorrow. '' The man started shouting over me when I tried to ask simple questions, including shouting at me " I know your birthday and whole social security number, so there's no way you can get out of this '' -- and said them both out loud, so yes, he did somehow have my entire SS number. 

The phone number they left was ( XXXX ) XXXX. 

This man was frightening, intimidating and lying to try and get {$1500.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX of XXXX RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX  XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has lied to me over and over again. I reached out to them over 2 month 's ago now to resolve errors on my credit report that they are negatively reporting. The sent me a notice that bankruptcy accounts on my credit report were verified through XXXX however when I reached out to XXXX they said the accounts were REMOVED. I contacted this credit bureau again to confirm and they sent another notice saying the same thing. Not only was I LIED to about that.. I also asked them to furnish PROOF of the verification process and contracts baring my original signature for ALL negatively reporting items on my credit report. They have FAILED to respond to my request and is continuing to report negative things on my credit report. 

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. 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 original signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be PROPERLY verified. 

The law is very clear DISREGAURD as to my Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I contacted the original creditor for XXXX XXXX Account XXXX XXXXXXXX who was unable to verify that this account was mine. This violates my rights because per 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. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY! 


I contacted the original creditor for XXXX XXXX Account number XXXX XXXXXXXX who was unable to provide verification that this account belongs to me. Or Furnish my Wriiten consent to report any negative accounts to my credit report per 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY! 


Please be advised of my intentions to file a formal complaint with the Federal Trade Commission Due to the fact that I have contactedyou numerous times to PROPERLY investigate these inaccuracies negatively reporting on my credit report and you have failed to do so each time. I DEMAND THAT THESE ACCOUNTS ARE DELETED IMMEDIATELY!!!!!!!
Product: Credit card or prepaid card

Beginning XX/XX/XXXX, I began receiving letters from various credit card companies regarding an application made in my name. To date there are eight cards which have been requested using my stolen personal information. I have placed a credit freeze with all three credit agencies and subscribed in XXXX, and have filed a police report. At this time it does not appear that the criminal has succeeded in receiving any of the cards. Here is the list of fraudulent cards requested. XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to XXXX  and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.
Product: Debt collection

Citi bank is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the XXXX that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted this company by phone on at least 4 separate occasions, unfortunately, never writing down dates. I was told that at 1st that the debt was too old & had been charged off ; that I could no longer pay this off. That it would stay on my credit for 7 years ; there was nothing I could do about it, & that I would get a 1099. On the 2nd phone call, XXXX finally said he would put a request in for it to be forgiven. On the 3rd phone call, I was told by XXXX that it had been forgiven on XX/XX/2024 & had been reported to all the credit bureaus. That it would take 15 days to show. Even though it was past that time. I told her that it was still showing that I owed {$690.00} ( the total balance ). She said yes, because that was what was on the 1099. I said that I had paid all my other creditors for less than the amount owed & it shows that I owe a XXXX balance. She says everyone reports differently. On the 4th call, I talked to XXXX. I told her that there is a remark removed that said " variable/adjustable rate '' & that it dropped my credit on Equifax by XXXX points. She argued for quite awhile that it was not them. I told her that it would be illegal for Equifax to change the report. Finally, she said it was because they had forgiven the loan. I said they are hurting me, not helping me. I have told them each & every phone call that the only reason that I have not been able to pay them is because my husband was extremely ill for over 3 years. All we could afford was medical bills. He passed away in XXXX of this year & my housing is really bad. XXXX XXXX was supposed to pull my credit on XXXX XXXX. to try & help me. I am going to have to postpone this now. This creditor is the last one I have left to work with. Have been dealing with them for 3 months. Have never received a 1099 either.
Product: Credit card or prepaid card

My name is XXXX XXXX and my card account no. with Popular Credit Services ends in XXXX. I called their XXXX  on my flight boarding date back on XX/XX/2020 requesting to close my account, and got confirmation both over the phone on that day, and in their written letter sent in in mail that my account has been closed after my leaving the US. However, I still keep receiving new bills which includes an annual card fee for the next year. So I called their XXXX   again on XX/XX/2020, after wasting over half an hour getting connected and disconnected for no reason, I was told a different answer that my account is not closed, and there is no supervisor on floor who can do the fee adjustment or explain to me, and there won't be a same day call back. The worst card services I have ever received. 

All new charges should not have occurred if they closed my account upon my request. I am willing to pay all merchant charges because I have to pay them through my other accounts anyway, but I am not paying their card annual fees posted after my account cancellation. 

Besides, let me tell the reason why I chose to close their card account while keep my other cards active. Last time I filed dispute against two charges from XXXX XXXX  that was not informed, not authorized and not signed for, the same thing happened that their XXXX  rep forgot to input my disputes into their system, and I had to file them again. They always forget and I can't stand them anymore. Even after my account closing, I am still entitled to a credit/refund for those two disputed charges, which I heard nothing back from their office. They are not exempted from giving me a resolution of the dispute investigation, they are just losing a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

They also violated my right under 15 U.S.C 1681 Section 604 a Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

They also violated my rights under 15 U.S.C 1681 Section 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified that consumer reporting shall promptly delete the information from the file of the consumer.
Product: Consumer Loan

I recieved a preapproved application in the mail about a loan for XXXX from Big Picture Loans company.i applied and was approved for the loan without much effort ... In the final documents and truth in lending info, there is a section telling you how much you will pay in a payoff balance which was a reasonable XXXX dollars and is what i was led to believe would be the final amount i would pay along with original loan amount of XXXX dollars by the time the loan was paid in full ... But as of today after reviewing my documents, i found out that you have to scroll all the way down the " truth in lending '' section, which should be called the " truth in hiding '' section since i had no idea this info was down here or i would have rejected this loan immediately, and i find that these people actually expect me to pay almost XXXX for an XXXX dollar loan at 887.877 % interest..thats not even legal ... That is simply not going to happen and these crooks should be stopped for their predatory lending practices ... Unfortunately, i now have to go to my bank and describe the problem to them and avoid this obscene situation alltogether ...
Product: Student loan

I have filed a complaint before through the CFPB and the case was closed due to the company 's response. With the news of this company being sued and some practices were deemed unlawful, this company is willing to forgive private student loan albeit some criteria are met. One of the criteria states the loan has had to be delinquent for 7 consecutive months before XX/XX/XXXX, with my bankruptcy being filed in XX/XX/XXXX and discharged in XX/XX/XXXX, does this qualify as I was unable to pay, however, the interest kept on capitalizing. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft.

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children
Product: Payday loan, title loan, personal loan, or advance loan

I was sold a car and it broke down a week later I went back and fourth with the dealer for months. He had given me rental cars until my car was repaired. But it was never repair it was one problem after another. Then he charged me more than he said. The employee no longer works there and the company shut down. I want to challenge this.
Product: Checking or savings account

I opened a Wells Fargo checking account on XX/XX/2022, and today is XX/XX/2022. I just found out that this newly opened account has been closed WITHOUT any prior notification! 

Should the bank at least send a letter or an email before they close any account? Is this a violation of consumer rights? I believe there is a violation of law here. The account was closed for Loss Prevention, but it has unspecified details. Please note, I have called the phone number they provided, but they have no details to give me. I do have a right to know more specific details about the information they gathered about me in order to take action and prevention on my side. 

Im also writing this to prevent Wells Fargo Bank reporting me to XXXX since I have done nothing wrong, if they report me to XXXX, they will have a lawsuit.