23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX Balance : {$0.00} This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance : {$0.00} Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance : {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance : {$0.00} Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX Balance : {$480.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} Delinquencies reported after the account was closed. This is a violation please delete.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account with Credit Bureaus. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Immediate Removal : Please promptly remove all fraudulent items and transactions associated with my account. 

Thorough Investigation : Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Communication : Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Security Measures : Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. 

If the necessary actions are not taken promptly, I may have to explore alternative avenues, including reporting this matter to relevant consumer protection agencies. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX Account Ending in XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the XXXX account ending in XXXX. This account is being reported as a charge-off, despite the issuance of a Form 1099-C by XXXX, indicating the debt has been cancelled. Continued reporting of this account as a charge-off is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX Account Number : Ending in XXXX Issue : Continued reporting of charged-off debt after issuance of a Form 1099-C for debt cancellation.

Violations 1. 15 U.S.C. 1681e ( b ) : FCRA requires credit reporting agencies to ensure maximum possible accuracy of credit reports. Reporting a cancelled debt as charged off is misleading.

2. 15 U.S.C. 1681i ( a ) : Failure to investigate and correct inaccuracies is a violation of the FCRA. 

Requested Resolution 1. Remove the XXXX account from my credit report. 
2. If the account is not removed, update it to reflect a {$0.00} balance and clearly indicate the debt has been cancelled. 

Supporting Documentation 1. A copy of the Form 1099-C issued by XXXX. 
2. A copy of my credit report with the XXXX account highlighted. 
3. A copy of my government-issued ID and proof of address. 

Please investigate this matter and notify me in writing of the results of your investigation within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported a 30-day late payment to the credit bureaus for XX/XX/XXXX payment for my primary residence FHA Loan #  XXXX on my home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have contacted them SEVERAL times to have this corrected and to date the error has still not been fixed. As a result of this error, my credit score dropped 100 points and has caused me to be denied for my auto loan refinance due to this issue. I contacted XXXX XXXX beginning on XX/XX/XXXX regarding this issue and numerous other times since then for over 30 days now. 

I finally received a letter from XXXX XXXX dated XX/XX/XXXX stating they would retract this incorrect derogatory information with the credit bureaus. A copy of this letter is attached for reference. I had hoped this would take care of the issue, but it has not. 

I phoned XXXX XXXX again on XX/XX/XXXX and was told by employee ID # XXXX ( " XXXX '' ) that they had submitted the information for the correction electronically on XX/XX/XXXX. I asked for proof of that electronic submission to be sent to me via email. I was told I would receive the information in 24-48 hours. I never received anything. 

On XX/XX/XXXX, I opened a formal dispute with Equifax to have this item corrected. The other two bureaus ( XXXX and XXXX ) do not show this incorrectly. 

On XX/XX/XXXX, I called Equifax ( who is the bureau reporting this incorrectly ) who claims this information was never submitted electronically or received by XXXX XXXX on XX/XX/XXXX as claimed to have this correction/removal of derogatory information retracted as of this date. I spoke with XXXX and his supervisor, XXXX ( Employee ID # XXXX ). I was further told they would take 30, 60 or 90 days to fix it. 

That is unacceptable, as I am now incurring financial damages due to being denied an auto refinance loan because of this matter that has significantly affected my credit score. This is a clear violation of the FCRA law. 

This seems to be a blame game between Equifax and XXXX XXXX  and I am the victim caught in the middle incurring financial damages on a daily basis. Neither company is in any hurry to correct this major error. They are violating the law and need to be fined accordingly and made to correct this error immediately - not within the next 3 months when they get to it.
Product: Checking or savings account

Starting XX/XX/2023 US Bank took over Union Bank & shut down on-line access for 5 whole days. During that time I could not access my Union Bank account via on line. On XX/XX/XXXX I received an email from US Bank stating their site was active & I could sign up for US Bank services. I tried to do so for hours, made over 5 calls, spent at least 3 hours trying to find out why, after setting my User & password, that the site was not working. Next morning, XX/XX/XXXX I tried logging in again in the morning, no luck ; error message " This is not a valid account. '' Called again, was place on long hold ( 23 + minutes ), had to leave so hung up. Came home, around XXXX tried to log in, account stated LOCKED due to too many log in errors ( not my fault ). Called again, was transferred to tech support. XXXX representative told me unless I WAS willing to use a different browsers, ( I use only XXXXi ) that she could not help me & someone else already had opened up a case w/ case # so she could not help me. She was very rude. She told me it would be XXXX days before the assigned case manager would be able to get back to me! That would make the total amount of days I have not had access to any on-line bank what-so-ever at least 8 days!! Shocking! They stated others were having same difficulties with trying to set up a new account! This is unacceptable. I am operating in the XXXX. I am afraid to deposit any money into US Bank because they do not seem to be responsive, helpful, or transparent! They needed to have all the bugs worked out before they made the transition! Also, they are making the consumer go thru all kinds of delays, calls, exercises with technology that the consumer may not be able to execute or access. IT IS NOT UP TO THE CONSUMER TO WORK FOR HOURS & DAYS & MAKE CHANGES TO THEIR PERSONAL SOFTWARE TO BE ABLE TO USE A SIMPLE ON LINE CHECKING ACCOUNT ACCESS. IT IS VERY STRESSFUL NOT TO KNOW WHERE I STAND WITH MY BALANCE WITHOUT HAVING TO CALL US BANK & BE VERBALLY TOLD BY A STRANGER WHAT MY BALANCE IS! I AM VERY WORRIED THAT MY SOCIAL SECURITY CHECK DIRECT DEPOSIT WILL BE MESSED UP WHEN IT DROPS ON XX/XX/XXXX! LIKELY THAT WILL BE MESSED UP AS WELL. THIS HAS BEEN A COMPLETE MIS-HANDLING OF A BANK TRANSITION and possibly the mis-handling of consumer accounts and their ability to access their checking account via on-line.
Product: Debt collection

TRANSWORLD SYSTEM INC is a company I have no idea about. I do not owe debt to this company. TRANSWORLD SYSTEM INC constantly calls me starting from XXXX and before XXXX at night pretty much everyday, since the month of XX/XX/2022, ( over 15 times ) with voicemail stop statimg their company 's names or what is the matter for. This is a violation if this collections co. Also, I found out this can is legal but not accredited by XXXX. I never tried to fox this problem because I was not aware of this company, meaning, calling constantly with voicemails only stating that this is a matter, please contact them at ( XXXX ) XXXX Who's is reply to harrassment with no information?
Product: Credit card

Synchrony Credit Bamk has started adding extortionate rates for paper statements wach month. For a XXXX 's account it's {$2.00} XXXX, while a XXXX XXXX account is {$1.00} XXXX. There's no way these rates represent any approximation of the cost of printing and mailing statements.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the persistent inaccuracies on my credit report, specifically a late open account, despite many attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance Owed : {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a teacher thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.
Product: Credit card or prepaid card

I have no knowledge of this account. This information appears on my credit report as a result of fraud.
Product: Credit reporting or other personal consumer reports

Why reviewing my consumer report I notice two fraudulent accounts on my consumer report. At that time I contacted the credit bureaus disputing these accounts. The credit bureaus are in violation of the following consumer laws. 
1-U.S.C. 15 1681 SECTION 602 ( A ) 2-U.S.C. 15 1681 SECTION 604 ( A ) 3-U.S.C. 15 1681 e SECTION 607 Furthermore these disputes were filed over 30 days ago, and I have received no responses from them this is another violation per the F.C.R.A. AND THE F.D.C.A
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am writing to you today to dispute US {$1900.00} charged by the company COLUMBIA DEBT RECOVERY. Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at XXXX since XX/XX/XXXX. Those companies did not declare under which condition they are charging me US {$1900.00}. 

In XX/XX/XXXX, I signed a XXXX lease contract with The XXXX until XX/XX/XXXX. I moved out of that unit on XX/XX/XXXX, because the landlord ( The XXXX ) refused to fix the apartment as we have agreed in XX/XX/XXXX, later in XX/XX/XXXX and again in XX/XX/XXXX. The initial issue with The XXXX started when the office wanted to force me to sign a second lease, just two months after I occupied the unit. On several occasions I disregarded the offer, but this did not stop them. In fact, they sent me emails about the potential consequences of not accepting this offer before XX/XX/XXXX. The last step they took was offering to paint the walls, improve the bathroom condition and fix some appliances in my apartment if I agreed to sign the second lease contract, a proposal that they never complied with and led me to act. In XX/XX/XXXX, I communicated my decision of not staying in the apartment for another year. After that, The XXXX tried to force me to sublease the apartment, in retaliation for trying to get a signed copy of my lease termination letter in which I explained the entire situation. The last time I contacted the property manager, XXXX XXXX XXXX, she refused to acknowledge my rights and said that the company will impose XXXX months of rent if I opted to move-out early. Obviously, I took my belongings out of that place because I did not want to be intimidated again. 

In general, I paid an entire year of rent ( {$8300.00} ), as well as a full year of insurance coverage ( US {$160.00} ) before I moved to another residence. However, neither COLUMBIA DEBT RECOVERY nor THE XXXX have contacted me in the current year. They just have published the debt as I was their client, which is not true, and fail to reflect any contract that I have signed in XXXX. All that I have experienced in The XXXX not just damaged my credit score, but has put me under a huge amount of stress. As an international student that moved to XXXX, Tennessee after the lockdown, I honestly hope that nobody experiences this type of retaliation just because they need a place to live.
Product: Debt collection

I did not receive any kind of written notice or any type of message about this debt. It just appeared on my credit report. I have not spoken to anyone about this debt over the phone either. I do not owe this debt agency {$700.00} and I would like for this to be removed from my credit.
Product: Payday loan, title loan, or personal loan

Putting customers at risk on purpose? Now since your deceptive, risky, unlawful practices have now put customers at risk, i have no choice but to contact the ( FTC ) to let them know about the fraudulent practices you've just comitted! And truth in lending doesn't lying to your customers and thinking you can get away with it. ( Upgrade ) is a very sneaky, shady company who lies about splitiing up the payments equally. When customers pay off large amounts of their loans they lie to keep getting interest off of all of the loans instead of paying them according to the order that the loans are in. A judge will always side with the people and not the company when fraudulent activities are being committed! I have proof that you didn't split up the payments equally, and i will start a class action that will definitely be known by everyone. Malicious behavior that's done in the dark is always brought to the light, and someone will have answer to the ( FTC ) as to why things were done this way putting customers in harms way by way of the internet, thus blocking people from being able to see their truth in lending about their loans. I knew something wasn't right when they applied most of what i paid to the newest loan instead of paying the older ones off tgat had smaller amounts! And ( Upgrades ) greed will be the cause of there setback, and or downfall! ( Upgrade ) is 100 % wrong for doing this and hasn't hidden being fraudulent! I called and asked for an explanation of how my money was spread across the loans and was lied to by a representative and a supervisor! It only takes common sense to listen to the deception. And with this recent change which clearly blocks a customer from viewing their ( TIL ) balances of their loans starting today without any forwarning proves how dishonest of a company ( Upgrade ) is! Also putting customers in harms way of the above pictured threat which I'm not stupid enough to go forward with. The ( Truth in Lending Act ) protects customers! It's not in place for company 's like ( Upgrade ) to utilize at there discretion and manipulate customers accounts. I'm filing a complaint today with the ( FTC ) to raise awareness about ( Upgrade ) having fraudulent and unfair actions against customers to further extend loans and intrest being spread unevenly and having the larger amount of money spread mostly to the newest loan, instead of spreading to the oldest loans in the order they were gotten. And for tricking people by way of deception, also not accurately reporting to the credit bureaus the correct information and in an untimely fashion taking longer time periods to notify of good payments. 

Highly disappointed, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received a letter claiming to be a debt verification letter from XXXX XXXX XXXX XXXX XXXX on behalf of Pendrick capital Partners II, llc. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time Pendrick Capital Partners II has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the past several months, I've consistently been in contact with Experian consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Experian continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Experian and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.