23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a letter from Nationwide Recovery Systems ( date on letter is XX/XX/XXXX ), that said I owed an amount of XXXX for a medical bill from XXXX XXXX  XXXX from XX/XX/XXXX. This is the first time I have received the bill. When I called Nationwide, the agent did not have any information about the debt. When I asked for a phone number for the hospital, they said they could not provide that information and the debt had been sold to them. The letter said that I had 30 days to dispute the debt or they would consider the debt valid. However, when I asked them to mark the debt in dispute, they told me it was placed on my credit report in XXXX. No phone calls or previous documentation had been received. When I checked my credit report my score had dropped XXXX points. This has caused me great distress, especially since I take pride in my score and always pay my bills on time. My score was over 800 and now has dropped to the 750s. Also, I tried to find the phone number for the hospital online and it looks like they are no longer in business. How am I supposed to resolve this? Also, it looks like they are showing the collection on my credit report with a date of XX/XX/XXXX. How can they provide this date on something that is 4 years old? This is unfair and deceptive business practices and I plead with you to help me resolve this issue.
Product: Debt collection

Calvary Hired a Law firm that filed a civil Lawsuit against me in the state of Utah. Prior to the lawsuit, I received 20 to 30 phone calls instructing me to not hang up and stated the law firm name First in order to intimidate me. The callers were pretending to be lawyers. The employees were not lawyers but collection agents hired by the law firm. They left out the fact that they were not attorneys as required by law.

I admit it works. I was scared to hang up the phone in fear of legal action. I guess Calvary Svp looks at these type of violations from a business perspective. They assume most of us in financial chaos will not report the violations. They have a long history and more must be done to spot them.
Product: Credit reporting or other personal consumer reports

I did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX  by an unknown person. 

I believe this is fraud.
Product: Debt collection

I was just released from the Texas XXXX XXXX  XXXX and did not authorize anyone to use my information for any debt, I could not have made this debt nor did I and have asked for documents and evidence to be provided that I was indeed the one that made the debt. The debt is not mine and I need it fixed, My attorney suggested that I file with CFPB prior to seeking a suit against XXXX XXXXXXXX and the client
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Money transfer, virtual currency, or money service

On XX/XX/XXXX over {$200000.00} was deposited into my checking account at the XXXX branch of the XXXX XXXX XXXX XXXX. On the same day, I moved to Washington state. In attempting to wire transfer funds to new investment accounts after moving, I was informed by XXXX that I could only transfer {$10000.00} a day using online wire transfers -- something I had been doing with XXXX for over a year. I would have to personally go to a branch office to wire larger amounts. But there are no branch offices within hundreds of miles of me. 
On XX/XX/XXXX the XXXX branch manager submitted an expedited request to increase the daily limit to {$150000.00}, a process he said would take a couple of days to approve. Three or four days later I began calling the bank daily asking for an update. It is now XX/XX/XXXX and my limit is still {$10000.00} a day -- which forced me to wire {$10000.00} a workday and made it impossible to open certain investment accounts. 
I have never been given a reason for the delay and the bank has never contacted me with an update. I have been losing interest on my funds while XXXX has been earning interest on them since the {$200000.00} was deposited on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Product: Debt collection

I reviewed my XXXX  credit report and noticed a collection account that does not belong to me from Transworld Systems for an amount of $XXXX. I am in the process of refinancing my home and this derogatory item will hinder my chances of obtaining a fair interest rate on my loan. I have never had a collection account or owed any company anything in the past, so this process is new to me. Please remove as soon as possible this inaccurate information.
Product: Vehicle loan or lease

Made payoff payment to BMO HARRIS AUTO LOANS on XX/XX/2019. Registered payment with them on XX/XX/2019. Said it takes 17 business days to release lien for payment to clear. I requested the lien to be released sooner due to the vehicle being given to my parents in another state. They are unable to register the vehicle until lien is removed. Was told they will fax to the DMV to release the and it never happens. They say title is in the mail and I never receive it has already been 15 business days.
Product: Credit card

Application : Truist Bank Credit Card app # XXXX I was solicited by mail and asked to prequalify for a card product by submitting information and told I qualified for 5 products and that no credit inquiry would be recorded unless I accepted the offer.

I accepted one of the offers and was told immediately that I didnt qualify for a card and now have an inquiry on my credit bureau . I would never have accepted the offer if I did not believe that I was going to get an account with 15 months of 0 % on balance transfers.

Nothing materially changed between the prequalifying and the acceptance of the offer.

I think this was deceptive and trying to get my information while also damaging my credit further. Please investigate and audit Truists products accordingly.
Product: Checking or savings account

I opened an account at Barclays. I confirmed two test deposits and then Barclays transferred {$150000.00} from an account I had at XXXX XXXX XXXXXXXX. Two days later, they locked my online account and I can not access the account or my funds. I have called multiple times requesting assistance and they have denied to help me. I asked them to transfer my funds back to XXXX XXXX XXXXXXXX and they refused. They requested I email them bank statements and a picture of my driver 's license and said it can take up to 10 days for a response. Barclays should have never transferred my funds if they needed additional information from me. I need this money to pay bills and can not access it due to their unethically practices.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) To Whom It May Concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 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. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXX Why are you reporting this negative on your bureau when this is completely a positive account? 

Transunion reports this positive. Please prove this or correct the status of this account. 

XXXX XXXX XXXX XXXX XXXX This account is not reported correctly, This is incorrect and unfair. 

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

On XXXX XXXX Transunion reported XXXX XXXXXXXX XXXX account as a delinquent account which was incorrect. Prior to XXXX XXXX that XXXX XXXX XXXX account was a {$0.00} balance I paid my full balance to XXXX XXXX  prior to this account being reported to the credit bureau. This account should have never been reported on my credit report. It was never delaying or charged off. Transunion please update the status and remove this sacking from my credit file immediately. I will seek advice from an attorney you all reporting incorrect information to just get paid for a delinquent account. Transunion reported in accurate information. XXXX XXXX XXXX XXXX is fully aware that my account balance was {$0.00} prior to XX/XX/2022 and I will be suing them as well if this removed from my credit file immediately
Product: Checking or savings account

This reason why Im writing is BB & T is very rude with no empathy and its a whole pandemic going on and I told them I was very sick not for sure if Im getting over the XXXX XXXX  Im still waiting on my test results. I told them on XX/XX/XXXX I had {$2000.00} and the ATM only took {$700.00} the machine kept spitting out the rest the {$1300.00} the reason why I didnt go in because I was very sick and also the hospital and doctors office advised not to go in any place until I get my test results back. The reason why I didnt drive around looking for another ATM because I was extremely sick. I knew things were scheduled to come out so I had enough money to cover everything. You charged me excessive overdraft fees and thats against the law especially its not my fault I was sick, its whole pandemic out these are not normal times plus the ATM machine wasnt working properly. I have all my documents that I been sick and things. Instead of understanding you treat a long time customer like me extremely rude with no empathy. I need these fees taken off because its causing more and my electricity bill is due. Its like {$1000.00} of fees and those are excessive and not my fault. Thank you for your time. Have a wonderful day and please be safe.
Product: Debt collection

I had a dispute over a balance on an auto policy with XXXX for {$150.00} last XXXX. I sent them proof of prior coverage and heard nothing until XXXX XXXX XXXX when Credit Collection Services ( CCS ) notified me. I filed the attached response on their website portal and faxed it. I NEVER heard back from this company, leading me to believe it was resolved. 

I contacted XXXX on XX/XX/XXXX to get a quote and move my auto policy back to them and they said they showed a balance outstanding. I paid them and received an email proof of payment from them ( See Attached Receipt ). 

On XX/XX/XXXX, the collection account appeared on one bureau and then as of today, on all three bureaus. I phoned Credit Collection Services on Tuesday and they claim it is closed out in their system and isnt being reported as a collection account. As of today, Friday, it remains and is preventing me from a closing on a loan. 

Additionally, it has NEVER been on my credit files until XX/XX/XXXX. 

Collection Agency Information : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Inquiries passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

I have had my checking account with SchoolsFirst FCU for a fee years and have ALWAYS paid my bills on time with them. My account is a functioning daily usage account. I have been threatened by a customer service agent called XXXX that my debit card usage will be cancelled and that I will be allowed ONLY ATM use because of the number of disputes that Ive had! I have ALWSYS povided and offered to provide physical AND email conversations with vendors that VERIFY and SUPPORT the logic of my disputes.
Product: Credit reporting or other personal consumer reports

Despite our persistent attempts, I regret to inform you that these fraudulent items still persist on my record. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX  Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act im entitled to a fair and accurate report. due to sec 12 CFR 1006.34c penn credit corporation is in violation of FCRAs laws please remove inaccurate information immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/2025 To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX Client Account Number : XXXX, and XXXX To Whom This May Concern, I was contacted on XX/XX/XXXX at XXXX at XXXX and spoke with a gentleman regarding a debt that your company is trying to collect. I asked if this was on my credit report and was told that it had the capability of reporting but I had reviewed my credit myself and noticed nothing was there. I did inform the gentleman this was the first of me hearing about this as I was never sent a letter ( must be a Skip-Tracing error ) as i have not lived at the old address on file in years. I had my address updated as well. I also find it extremely strange and very poor collection practices that this account according to XXXX XXXX was opened as of XX/XX/2018 yet I did not receive a call until XX/XX/XXXX. 
On XX/XX/XXXX at XXXX I called into your office and spoke with your rep, I believe her name was XXXX XXXX . I was informed her that i was not seeing this on my credit but I wanted to set up a payment arrangement to ensure this debt would not affect my credit. I set up the payment for monthly payments of {$57.00} and the first payment was applied on XX/XX/XXXX. While I was on the phone with the rep I was informed this would NEVER end up on my credit and I was like great. I did ask for an updated contact letter as I did not receive the first one and she did seem confused as to how to request a letter. As someone that has worked in collection for 4 years this is a basic couple of clicks and the vendor sends a letter. Anyways I did finally receive your initial dunn letter. 
On XX/XX/2018 I received an alert from XXXX XXXX regarding a debt that had hit my credit. I reviewed XXXX XXXX and well this ended up on my XXXX and dropped by score by 70 points!!!!! I called back on XX/XX/2018 and spoke with a young lady and her supervisor and they were extremely helpful. The two individuals were confused as to why this reported as this was explained prior this would never hit my credit but what was also confusing as they could not see where this was updated with the credit bureaus and this was actually never reported. Well it is on my credit report clear as day. 
As of today XX/XX/2018 this is on both XXXX and XXXX and has dropped both credit scores by 70 POINTS!!!!!

I am needing these two accounts removed from my credit IMMEDIATELY! Not only was I told when setting up the payments this would never hit my credit but also informed a second time this was not to hit my credit and it has not even hit my credit. 
I have attached copies of my XXXX and XXXX from XXXX XXXX as well as a CFPB and XXXX complaint. This error has caused great stress and has been just a complete inconvenience as I keep a great credit history! Please remove immediately or I will pursue further in this matter. 

Please review the calls from XX/XX/2018 with XXXX XXXX and on XX/XX/2018 at XXXX
Product: Credit reporting or other personal consumer reports

Noticed the open credit card from XXXX on my credit report that I did not sign up for
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there is still an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few account on my report. According to FCRA section 605b, the credit bureau is obliged to block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXX XXXX Balance Owed : {$0.00}