23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa XXXX XXXX, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to Admin Recovery LLC. I called Admin Recovery LLC and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/2019, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at XXXX XXXX  - Mr. XXXX told me all the time that Visa XXXX XXXX  never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by XXXX XXXX  XXXX  that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/2019. Again same answer, nobody can help me because my debt was sold to Admin Recovery LLC. The same day I called Admin Recovery LLC and samething Mr. XXXX will not take my calls since back in XXXX. Never returned any messages since XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/2019, Mr. XXXX took the call and told me that XXXX XXXX  XXXX  gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding errors and inconsistencies in my credit report with TransUnion, XXXX, and XXXX. After reviewing my credit history, I have identified discrepancies in the information reported by the collection agency XXXX, which has negatively impacted my credit score. 

Complaint Details Transworld Account Account Number : XXXX High Balance : {$510.00} Date of Last Activity : TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Account Status : Closed - Collection/Charge-off Creditor Remarks : Affected by natural disaster Issues Identified : Inaccurate and Discrepant Information : There are significant discrepancies in the reported dates of last activity and reporting dates between TransUnion, XXXX, and XXXX. These inconsistencies raise concerns about the accuracy and timeliness of the reported data. 
Unauthorized Sharing of My Information : I did not authorize this debt to be reported to these credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), information should not be shared without my explicit consent or unless legal requirements are met. 
Lack of Debt Validation and Notification : I have not received any debt validation notice from XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors must provide a validation notice within XXXX days of their initial contact, which has not happened in my case. 
Negative Impact on My Credit History : Due to these errors and the possible lack of verification, my credit score has been unfairly affected. 
Requested Actions : Verification of Reported Information : I demand that TransUnion, XXXX, and XXXX provide official documentation verifying the accuracy and legitimacy of the reported data in my credit history. 
Correction or Deletion of Unverified Information : If the reported data can not be verified with concrete evidence, I request the immediate deletion of this account from my credit reports. 
Investigation into the Unauthorized Use of My Information : I request that the CFPB investigate how and why this debt was reported without my consent, ensuring that XXXX complies with privacy regulations and fair debt collection practices. 
FDCPA Compliance : I demand that XXXX send a debt validation letter as required by law, giving me the opportunity to verify its legitimacy before it continues affecting my credit. 
The discrepancies in my credit report and the lack of debt validation have caused an unfair and negative impact on my financial history. I appreciate the CFPBs intervention to ensure that these credit bureaus and the involved creditor correct these errors immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX LATE PAYMENT XX/XX/2023 XXXX XXXXXXXX XXXX Account XXXX XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds is was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

As Florida was declared a disaster area after hurricane Irma hit in XX/XX/XXXX, we applied for a three month forbearance on our mortgage loan with US Bank in. During this time my family and I were able to repair the house from damage not covered by insurance ( we did not open an insurance claim or asked for assistance of any kind ). My wife and I run a XXXX XXXX. We were able to get back on track to pay the mortgage in XX/XX/XXXX. We struggled after a sluggish summer in our small business and the forbearance seemed like a good idea. The bank assigned a relationship manager, which we have been in contact with. However, what I am concerned about is that we have been trying to get those 3 payments we missed to be put in the back of the loan it is becoming a mission impossible because they are treating this as a refinance or modification with stacks of papers to be submitted and financial information which is not good at this time. We have paid XX/XX/XXXX and XX/XX/XXXXpayments plus {$1000.00}, but the funds are being applied to the XX/XX/XXXX- XX/XX/XXXX in suspense account. Why is this so complicated? The time keeps ticking and soon we will be getting late fees and bad credit reporting ... how is this helping? We want to continue paying and just add the amount of the 3 months to the end of the loan. Why so much paperwork and stuff?
Product: Vehicle loan or lease

Lendmark Financial is telling me that I have a loan that needs to get paid. The loan that I have is an auto loan and the amount is : approximately {$3800.00}. 

Please review the attached documents and explain to me of I would need to pay this bill.
Product: Credit card or prepaid card

Citibank credit card Dispute XXXX CFPB Case # XXXX-XXXX  In reference to Letter dated XX/XX/2020 from Ms. XXXX XXXX. 

This letter asserts that the customer " arrived after the service has ended for the day ''. Please provide proof of this indicating that the customer arrived after the breakfast services ended for the day. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX immediately update my credit report and only report a correct, accurate, and true balance statement at all times.
Product: Student loan

I have sent the form to change the amount I pay multiple times, most recently I faxed the form with income verification on XXXX/XXXX/XXXX and XXXX has not responded to this or the two emails I sent about it. 

They incorrectly assessed my income based on one pay stub. I do not work the same hours every week so I do not make the same amount of money every two weeks, they should be basing my income on my tax statement. NO ONE WILL RESPOND to my request.
Product: Vehicle loan or lease

My car in XXXX was Fanancial by ally they call me everyday and ask for money that I dont have my car was totally in XXXX I told them that I was not able to get pay and I had full coverage and gap insurance but they call and harassing me everyday.plus they have put the car loan on my credit twice.
Product: Debt collection

Hello CFPB, Thank you in advance for reading my complaint, today XXXXXXXXXXXX I was contacted by a company called XXXX XXXX XXXX in XXXX, Iowa. They asked for my name and address and GAVE ME INFORMATION ABOUT THE DEBT ALBEIT did n't disclose they were a debt collections company. Under the FDCPA any debt collector needs to announce " there attempting to collect a debt '' When I let them know the person they were trying to contact was not myself they accused me of lying to them. They are trying to attach a bill that does n't belong to me to my credit report and will not listen. I told them to resolve this matter today or I would file a complaint to consumer protection for harassment. I learned they are a XXXX third party debt collector and do n't have to follow the law. This statement is true fact to the best of my ability. 
Thanks again, I look forward to hearing from you
Product: Credit reporting or other personal consumer reports

This company claims 2 accounts with 2 different account numbers were opened in my name on the same day with the same exact balance. They show up as charged off on my XXXX and XXXX credit report. The account ending in XXXX shows 30 days, 60 days, 90 days late payments, while the account ending in XXXX shows only that it was charged off without any history of any late or on time payments at all.
Product: Credit reporting or other personal consumer reports

SOMEBODY HAS GOT TO DO SOMETHING ABOUT THESE XXXX CREDIT AGENCIES!!!!!!!!! 

My wife and I are moving for work, to help the XXXX economy, but of course, because we can't have our credit out there, at risk, with the scumbag credit agencies being careless with our information, we keep it frozen. 

Today we needed to lift those freezes -- XXXX people at XXXX agencies -- to work on preapproval for financing for a new home. We are SUPPOSED to be able to do this instantaneously online. We are SUPPOSED to be able to self-serve. 

So XXXX our shock to consult the little spreadsheet with all the usernames and passwords we only look at on occasions such as this, just to find that : XXXX ) In the time since we last logged in ( maybe 2019, when we bought vehicles? ), not only have ALL THREE of these pigfucking scumbag criminal outfits changed the names of the XXXX products they hide their LEGALLY XXXX MANDATED service behind so they're more difficult to find, but after we found the right pages : XXXX ) At least XXXX of them ( Transunion and XXXX ) have either changed or deleted our login information. We now don't have accounts? But also can't start new accounts with OUR OWN XXXX EMAIL ADDRESSES -- because they've been taken by other account holders? THOSE ACCOUNT HOLDERS ARE XXXX!!! THOSE ARE OLD ACCOUNTS!!!!! NOBODY ELSE HAS OUR XXXX XXXX EMAIL ADDRESSES!!! WE are the other account holders. THIS IS XXXX RIDICULOUS!!!!! WHAT THE XXXX ARE WE SUPPOSED TO DO ABOUT THIS!!! 

I called the XXXX at Transunion to express my displeasure. The subliterates have an even more imbecilic automated system that I can only believe willfully offers you incorrect answers to keep you from ever connecting to any of the morons who work for them. After I was disconnected twice by this system, I was finally sent a link by XXXX  to supposedly talk to a person, whereupon I was disconnected, and I also found that the link didn't lead anywhere except a XXXX page. 

Meanwhile, as we try to get back into our XXXX accounts, we have been told.. .for hours now.. .that " service is temporarily unavailable. '' This is beyond ridiculous. It is also illegal. We are entitled to legal recourse to manage how these XXXX criminals manage XXXX identifying information, and these degenerates are flauting the law and complying with neither the letter nor the spirit of the FCRA ( as. XXXX. USUAL!! ). Their systems have to be up and working. I am entitled to get a person to fix my account if THEY XXXX it up. This is the bare minimum I should be able to expect of them. 

These idiots are clearly going out of their way to impede the ability of customers to force them to perform the XXXX useful XXXX function they supposedly exist for. YOU will have to do something about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX XXXX I tried to access my credit reports on annualcreditreport.com, and both XXXX and Transunion are not allowing me to see my credit reports online. I called XXXX using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. Transunion only shows an address to send a request for a credit report to.
Product: Credit reporting or other personal consumer reports

Account Name : CBNA Account Number : XXXX XX/XX/year> Reason : I don't recognize this account
Product: Checking or savings account

I went to a Citibank branch at XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX in person to request to close my checking account and get my funds back. I presented my ID to prove that I am the owner of the account. They refused my request and told me I need to call their fraud department to unlock it first. Actually I called many many times and their fraud department was quite unprofessional and never helped. None of XXXX, XXXX or XXXX offers such horrible fraud services. 
How can not a person with ID close his account? Why he still need to prove himself as himself to the fraud department? Isn't in-person proof more convincing than online identity verification? Does Citibank have the right to keep my funds and I, as the owner, have no access to my own money? I will keep complaining about this until they closed my account and get my money back. I will keep the right of sueing them.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 

XX/XX/XXXXXXXX XXXX Balance : {$75000.00} XX/XX/XXXX XXXX Balance : {$4900.00}
Product: Debt collection

on XX/XX/year> I received a credit alert from XXXX that a collection had been added to my credit report. I never received a validation letter in regards to this collection prior to this date. with that said, Consumer Adjustment Company is in violation of FCRA 15 U.S.C 1692g. I would like this collection debt removed from my credit immediately. they have no grounds to put this debt on my credit report without giving me a debt validation letter, and not giving me the opportunity to dispute this debt, prior to this debt being reported to the credit bureau. Also on the XXXX of XXXX, I spoke with XXXX, representative from this company, requesting the debt validation letter. I also sent a dispute to XXXX, requesting them to also delete this debt, due to no validation letter received from creditor, and XXXX has yet to delete it. the original date that this collection went on my credit report was XX/XX/year>. I again looked at my credit report and the date of this collection now says XX/XX/year>. I also question this change of date now. So, I would like this collection deleted from my account please. Consumer Adjustment Company has violated my rights on this. Again, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Equifax has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see attached ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/XXXX Content of Complaint : This complaint has been filed with the CFPB to formally request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that XXXX XXXX XXXX Experian, and XXXX block XXXX appearing on my consumer credit report that is the result of identity theft and fraud. According to the provisions of this law, you are required to block such information within XXXX business days of receiving this request. The fraudulent, inaccurate, and false information includes personal credit accounts and records, specifically : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Additionally, these fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections being reported on my consumer FICO credit report. 

It is also important to note that the presence of this inaccurate information conflicts with the broader provisions of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), which require the accurate and fair reporting of consumer credit information. This request is made in accordance with FCRA XXXX and the general principles of the FCRA, without invoking or relying on the dispute procedures outlined in XXXX XXXX. XXXX. 

I have attached the following supporting documents for your review : A list of the hard inquiries in question. 
A copy of my consumer FICO credit report maintained by XXXX showing the fraudulent items. 
A copy of the FTC Identity Theft Report ( Criminal Complaint Number : [ Insert Number ] ) confirming the identity theft. 
I do not recognize the aforementioned accounts, collections, or hard inquiries. These were not opened, initiated, or authorized by me. All are the result of identity theft and fraud. 

In accordance with FCRA XXXX, I request that XXXX take immediate action to block this information from my credit report and confirm once the corrections have been made. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at the address provided herein. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I work for a XXXX for XXXX XXXX. The XXXX for the XXXX and the XXXX XXXX. XXXX XXXX. I do not get overtime or benefits I barley get XXXX hours of work for two weeks. I barley make enough to pay anything. I am looking for a second job but I have triplets that are 3 and can not afford daycare. The issue is they called my work and spoke to one of our employees. SAID IT WAS FOR DEBT COLLECTION. I didn't get a message on my phone nor did I get text. or Email. This is harassment. I will lose my job and this is not anyone 's business but mine.