23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collections agency by the name " Credit Systems International Inc '' breached my consumer rights by falsely adding wrong and inaccurate collections information to my consumer report without first informing or contacting me to validate the authenticity of the debt as stipulated by the law. Please note that the said debt had been previously disputed with a reputable collections agency in the past due to their inability to validate the debt. 

In 2021, the Consumer Financial Protections Bureau ( CFPB ) issued a rule that prohibits debt collectors from reporting information to credit reporting agencies before they speak with the consumer or send a debt validation notice and wait for it to be delivered. 

By not complying with provisions of The Fair Debt Collections Practices Act ( FDCPA ) 15USC 1692 and the deliberate act of ignoring the CFPB rule to validate debt before reporting them, I am opined that Credit Systems International Inc is either ignorant of the laws and collection regulations or out rightly fraudulent and should be investigated as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX.XX/XX/XXXX/ Opened XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX Opened XX/XX/XXXX
Product: Credit reporting

I had a paid account that was still listed as open on my Transunion report. I contacted the creditor and had them confirm that this account was paid and should be closed and removed from my credit report. After they contacted trasunion to have this discrepancy removed my credit score went from XXXX to XXXX. I contacted Transunion to dispute this change, noting that my score should have either stayed the same or increased. Since any items falling from my credit report should be a positive mark on my report. When I had the same situation happened with XXXX they fixed it and made my score go up for paid/deleted accounts. Transunion told me that option was not available to me and actually tried to sell me a credit report even though I have already ordered my direct credit report through Transunion and I explained that to the rep. It was as so they were Car Dealers and their only concern were to have me purchase something else before getting off the phone. They were reading from a dialogue and not being personable at all with me nor my situation. Once I told them I would be contacting consumer services they grew angry with me and tried to push another product on me which I then hung up the phone.
Product: Debt collection

This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX  conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!
Product: Mortgage

I HAVE A MORTGAGE LOAN FOR WHICH I MAKE A MONTHLY PAYMENT OF {$3600.00}. 
MY PAYMENT WAS RECENTLY INCREASED TO XXXX MONTHLY FOR AN UNEXPLAINED REASON. I HAVE INFORMED THEM THAT THE INCREASE IS ILLEGAL AND THAT MY MONTHLY PAYMENT HAS TO BE CORRECTED TO NO AVAIL. i NEED MY MONTHLY PAYMENT CORRECTED AND MY OVERAGE PAYMENT REIMBURSED TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan on XX/XX/XXXX, but after 45 days, the account is still open in my credit reports as debt. 

After five times contact with West Lkae Financial services during XXXX and XXXX, they refused to provide a clear answer as to why the account is still open despite receiving their money. 

On XX/XX/XXXX and XX/XX/XXXX, they said they had reported to the credit agencies, but when I contacted the credit agency ( XXXX ), they said they had not been updated since XX/XX/XXXX. 

Getting paid off and keeping my account open in my credit reports is unacceptable and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  , MO XXXX XXXX XXXX Balance Owed : {$77.00} XXXX XXXX  XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$91.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Owed : {$170.00} XXXX  XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX Owed : {$120.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$320.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date : Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

IQ Data called me for the first time today. When I answered, I was told that they had made multiple attempts to contact me previously with letters to my address and that I now owe $ 200+ to an apartment complex I used to live at. The debt collector claimed the apartment management had contacted me multiple times. I have never heard of this debt, despite even being on the phone with the manager of the apartment two weeks ago, when it never came up. When moving out of that apartment three months ago, I provided my new address via email AND by the required form indicating my intent to move out, so the suggestion that they had mailed it to me at the wrong address makes no sense to me. And yet no letters came. Therefore, I told the debt collector on the phone that I would not be paying until I spoke with the apartment manager to confirm the debt. She asked me for my current address, but from my perspective, this person calling me out of the blue and demanding I give her {$200.00} could've just as well been a scam. But when I told her " I won't be paying right now, if you want you can send me a bill because I'm going to speak to the apartment manager '' I was told that if I didn't pay immediately she would mark my account as " refused to pay '' and " we would have to proceed with further collection ''. Threatening me into immediately paying for something I had never been told about, as if to say " or else ''.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$26000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XXXX XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/2022, Barclays Bank Delaware ( hereafter Barclays ) notified me that it had terminated my AAdvantage Aviator World Elite Business Mastercard account ending in XXXX ( the " Account '' ). Barclays did not provide me ( 1 ) 30 days ' written notice of its intent to terminate the Account or ( 2 ) a statement of specific reasons for that action, both of which are required under federal law. Barclays thereafter failed and refused to transfer to my XXXX XXXX AAdvantage account both the Award miles ( miles ) and the Loyalty Points ( points ) I had earned. 

Barclays actions violate the Equal Credit Opportunity Act ( 15 U.S.C. section 1691 ( d ) ), Regulation B ( 12 C.F.R. section 1002.9 ( a ) ), and constitute Unfair Competition ( Connecticut Unfair Trade Practices Act ( CUTPA ) ), conversion and breach of contract/breach of the covenant of good faith and fair dealing. 

When Barclays closed the aforementioned credit card account, I had previously earned two ( 2 ) miles and one ( 1 ) point for each dollar spent. I would have earned an additional XXXX miles and XXXX points based on my spending in the billing period with a XX/XX/2022 statement closing date. I plainly have a right to those miles and points. Barclays nonetheless failed to transfer those miles and points to my XXXX XXXX account as it had done for the prior nine ( 9 ) months. Instead, it purported to forfeit those miles and points based on some internal policy which it had not provided to me. By confiscating my miles and points and preventing me from earning additional miles and points, Barclays improperly interfered with my right to my miles and points. Since those miles and points have substantial value to me they served as the basis for Barclays inducing me to obtain and use its credit card I was damaged as a result of Barclays conduct. Barclays justification for the forfeiture is immaterial under the law. Having deprived me of my miles and points, Barclays motive is not relevant. Barclays is strictly liable for conversion.
Product: Credit card or prepaid card

I entered into an agreement with XXXX and XXXX on XX/XX/2019 ; reference XXXX Trip Number XXXX ; for a flight on XXXX XXXX and a car rental from XXXX during the dates of XXXX through XXXX XXXX to XXXX XXXX, XXXX . The agreed upon amount for the car rental was {$140.00} for the dates of XXXX through XXXX XXXX.This was booked and confirmed on XXXX.I called XXXX directly on XXXX XXXX and spoke with XXXX, who confirmed the total amount for the rental period was {$140.00} with no additional charges. I was told this was on a recorded line, thereby allowing you the availability to listen to this recording. 
When we arrived in XXXX XXXX XXXX XXXX, we proceeded to the XXXX counter which XXXX was nice enough to have given me directions from the gate to the counter on XXXX XXXX.It was at that time we were told I had to take Liability Insurance on the vehicle in the amount of {$16.00} per day. I stated the entire scenario to the gentleman at the counter ( through an interpreter ) and that I adamantly denied the Liability coverage. He told me the only way I could drive the car was to take the Liability coverage and dispute the charges with Corporate. Since we had no other option, I wrote denied coverage, dispute charges ALL OVER THE AGREEMENT, which I notice XXXX did not put in their package. They also demanded a deposit in the amount of {$1100.00} at the time of rental. Once again, I had no other choice, since my significant other and I had 6 suitcases and no other means of transportation for the time in XXXX. 
We called XXXX while in XXXX and were told the same thing, to take the rental and then dispute the charges when we got back home. 
When we returned the car, I once again vehemently denied the charges for the Liability coverage and when I refused to sign for the {$660.00}, I was told they would put the total amount of {$1100.00} that I had to use as a deposit on my account. I was again at their mercy and was coerced and intimidated into signing for the charges. As displayed, I again wrote that I was disputing the charges and had declined Liability coverage. 
As soon as we returned home I called XXXX and tried to work out the charges, but was told they would do nothing to satisfy my requests per the Emails. I then called XXXX to place a dispute on the charges and provided all of the agreed upon contract pricing entered into on XXXX charges were placed in dispute and I was credited {$510.00} ( the amount charged from the Liability Insurance ). When I was notified that you were siding with the Merchant, I requested a letter stating your response and the documentation and correspondence from the merchant. 
At that time I contacted the Federal Trade Commission, the Consumer Financial Protection Bureau and an Attorney specializing in these matters. ALL OF THEM AGREE, I can not be held liable for charges that I was coerced into signing and threatened with retaliatory action if I did not sign.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The debt collector has not provided me proper debt validation for this allege debt. I requested the original contract with XXXXXXXX XXXX XXXX with my signature, I requested my payment history with XXXXXXXX XXXX XXXX  XXXX a proof of debt assignment. They have not provided any of this information. Please delete this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$XXXX} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/18, I received a notice from XXXX XXXX that SYNCB ran a hard inquiry on my credit. I did not apply for credit not did I authorize a credit check. 

After researching the matter online, I found many others with the same issue, reporting that it was next to impossible to have the check removed through the company or XXXX.
Product: Consumer Loan

I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. I have filed two disputes already and this information is still not being removed. This allowance is a violation of my rights and privacy. 

Said inquiries are : 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: Debt collection

I received a text message about a debt collection. I clicked the link to see what it was in reference to. It said it was a debt being collected by XXXX XXXX XXXX in the amount of {$1400.00} ( i believe was the amount- I don't want to click the link again ). I do not have XXXX XXXX XXXX and never have. When I called the number to dispute the debt, they said it was for a cellphone ( number XXXX ), associated with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX . They also said that the account was opened on XX/XX/year>, and delinquent as of XX/XX/year>. I have never had this phone number or lived at this address. 

They gave me a number for the fraud department of XXXX and told me to call it in an hour because there was no one available at the time I called and to try back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit card or prepaid card

Between XX/XX/2022 and XX/XX/2022, my card was charged {$1000.00} as a result of various purchases made via fraud. I promptly reported the fraud claim to Wells Fargo and the charges were temporarily reversed. I received a letter in the mail a few weeks later saying that my fraud claim was denied since I told the bank that the card was in my possession at the time when the fraudulent charges were made despite telling Wells Fargo that I did not make those charges. The extent of their investigation was that they determined that since the card was in my possession at the time of the fraudulent charges, I would be responsible for the charges. I've call customer service and the fraud claim department and they said that I would need to do my own investigation and provide receipts that I did not make those charges.