23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX and I have been a Victim of Identity Theft since XXXX, XXXX and XXXX. I have been working with my credit file and I have also had a freeze on all XXXX credit bureaus so I can monitor my credit what is left. XXXX Barclays Card ending in XXXX is still on my credit file, I have just sent them proof of being a victim in XXXX with IRS. I am asking for them to remove this alleged account from my credit file and I have sent them my police reports showing ID Theft. When I call their company at XXXX on XXXX XXXX XXXX to address this account, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX and XXXX XXXX there is obviously a problem with this account. I am asking for the fraud department to either close the account so it is not on my credit file or send me another credit card.
Product: Credit card or prepaid card

Hello so my issue is I paid my bill on XX/XX/XXXX I been waiting for a manager to contact me regarding my problem and nobody has I call the automated system it says a payment isnt due but when I see online it says a payment is pass due nobody seems to know whats going on and nobody has given me any explanation from comenity bank regarding that my payment I made on XX/XX/XXXX I would like to see whats a proper solution because a customer service from telling me your payment isnt late when my credit report is at jeopardy and when another customer service rep told me that I paid it too early too many different stories being told and nobody has been able to help me I called days before the payment was due and nobody has contacted me back also I did pay on XX/XX/XXXX which was the right time according to the rep I just spoke to but nobody from corporate has been contacting me
Product: Debt collection

XXXX XXXX from FCO debt collectors called me on a shared work phone in the middle of an office full of people and when I told him it was a work phone, refused to stop interrogating me. He told me that I had to call him on my lunch break in order to not endanger my employment. This felt like a threat. I also felt highly embarrassed as everyone in my office could hear the entire conversation. 

Further I have evidence the debt is not valid.
Product: Debt collection

XXXX XXXX, employee number XXXX from iq data international called me around XXXX pm and tried to collect a debt owed. When I explained to him that I am going through a lot and can not pay he refused to listen so I hung up. He then called me back immediately and started to harass my partner. Before he hung up he said " I'm sorry to whatever happens to you and your wife '' When we called back a few minutes later to get his info, he picked up again and started verbally harassing and threatening my partner again saying " okay then we can just go ahead and put this on your credit ''
Product: Credit reporting or other personal consumer reports

An According with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Rights 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.
Product: Debt collection

A Stipulation of Settlement was placed for this account, please see attached documents. In accordance with the court agreement my debt was reduced from {$13000.00} to {$5200.00} to be paid in monthly installments of {$100.00} until balance is payed off. It was agreed that I could not miss any of the payments. The Attorney representing the Debt Collector received my bank account information and were authorized to debit the $ 100 monthly. These payments were debited for 29 months ( 29 months= {$2900.00} balance remaining is {$2300.00} ). Last debit in my account was XXXX, XXXX and no debits were made thereafter. Collections started to call me in XX/XX/XXXX. On XX/XX/XXXX I returned the call and spoke to a two representatives at the Attorneys office who represent the collections company, who confirmed my payment amounts and informed me that the law offices were merging and that this was causing delays on accounts. Some time after that call, I received another judgement notice presented to the Court by the Debt collection Agency 's Attorney. This is something that is completely unclear since they have my account information and stopped debiting payments. The phone numbers I called in XX/XX/XXXX were both out of service ; but I found a new number on the new mailing. I called recently XX/XX/XXXX to inform the Attorneys office the status of my case and the representative reviewed my account and saw the judgment and explained my balance. I explained the same that I explained back in XX/XX/XXXX, she stated that she found notes regarding my case about this phone call. I explained to the representative that it is the Attorney 's responsibility to continue debiting my account as this was the agreement made when this case was settled in court, and that I did contact the office in XX/XX/XXXX because I was concerned about the payments not being debited. She then put me on hold stating that she was going to speak to her supervisor, after that hold, she came back on the phone telling me it was my fault because " I stopped paying '' and I did not agree with her statement. She became very rude, and I just told her I would contact an Attorney regarding this case and hanged up the phone. 
I have followed my responsibility by contacting them to try to keep paying my debt as agreed because they stopped debiting my account, and the representative tells me I'm at fault for not paying????? My account never changed and I have all my proof of the 29 payments to the same account provided to the debt collection Attorneys before they merged! What are they trying to do????? 
I found out about this problem when I saw my credit report showing a collections account with an amount that does not match my current debt amount of ( {$2300.00} ) with this company after the 29 payments I made. The amount on my credit report reflects as ( {$11000.00} ) which is basically close to the amount of the original debt ( {$13000.00} ) which was reduced by the court to ( {$5200.00} ) in the XXXX, XXXX settlement.
Product: Mortgage

Wells fargo sent a letter out for all the errors was made on my account I was with the company for my mortgage loan from XXXX until sold to XXXX XXXX XXXX XXXX in XXXX but I have call the company asking them why was I getting identity theft on my dark web base and they couldn't tell me as saying they didn't know this was over the years I was with them, they sent me a letter dated from XXXX XXXX and a check was attach to it saying they hope it resolve some of the errors on closing on a modification loan whether it was approved are finished it was errors well I call and the Wells Fargo rep said it was errors on the account and ask me to verify the check number and my name so he came back on the phone and said yes it was issues from XXXX until XXXX and I wasn't with them in XXXX, I took out a home loan withXXXX XXXX XXXX XXXX in XXXX and Wells fargo held that up saying I owe them over XXXX $ in order to move forward with the other company so it was took out of my home loan in XXXX and I was XXXX XXXX XXXX XXXX where Wells fargo transferred the loan and the rep said that they didn't suppose to get that money but the amount they sent me in a check doesn't help me if all the XXXX  emotions distress I been through getting upset and falling behind .I sent in a 2 month payment before they once list that and said they never received it and I never got a copy from Wells fargo errors until this year Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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 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 XXXXXX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. I would like a purchase agreement.

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated.

2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to.

4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a notice from IC systems in XX/XX/2023 via postal service. 

I responded also via postal service in XX/XX/2023 with the following request : I am writing to dispute this debt as well as inquire of additional information. 

XXXX Dispute XXXX XXXX XXXX last XXXX balance provided to me was XXXX. XXXX credited 15 % as a courtesy and the amount being sought is inaccurate. 

XXXX Dispute validity of debt I am disputing this debt as valid at all. XXXX XXXX recommended our daughter stay in treatment and they and the insurance company were unable to settle. We followed medical advice from XXXX and are being asked to pay for a dispute between XXXX and XXXX XXXX. We dispute this debts as ours. 

XXXX We are asking for a detailed invoice of what makes up this XXXX debt so we can further dispute its validity. Please provide details. 


End of correspondence - I have not received any response from IC systems since my letter in XXXX. This debt was fraudulently charged off without providing the details requested as part of the fair credit reporting act. As I understand, this is illegal and should result in a penalty to IC   systems. 

XXXX contacted me but did not provide the requested detail and nothing came from XXXX who was attempting to collect the alleged debt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and  fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX i am asking you to verify as accurate
Product: Bank account or service

I have been a client of First Merit Bank for several years. I complained to employee XXXX XXXX XXXX the morning of Saturday, XXXX XXXX, 2015 about the " lousy service '' and requested that the branch manager ( not in ) contact me. XXXX 's response was to lean forward, make an ugly face and threaten me physically by " escorting '' me out because he did not want his customers to hear anyone complaining. In disgust, I left.
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also XXXX  the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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  Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I walked into the only Best Buy that is located in XXXX, VA. I was interested in buying a music deck for my new car, so a tall XXXX male who 's name I do not remember helped me. After he helped me, he suggested that I put my music deck purchase on their Best Buy card, because they offer 0 % interest on the card. I made sure before I took another step forward that I did my due diligence to acquire all information that pertained to the card. I asked the young man did this card require pulling up my credit score, and he replied " yes. '' I then proceeded to ask him if this would be a " soft '' inquiry/pull, or a " hard '' inquiry/pull to my credit. Without hesitation, the young man told me that it would only be a quick soft pull to my credit. Since I take my credit score very seriously, I asked him one more time to be sure, and he still replied " yes, this is only going to be a soft pull to your credit. '' After checking my credit report on XX/XX/XXXX, I noticed that ( Citibank Na., Best B ) placed a hard inquiry on my credit from XX/XX/XXXX, and the purchases I made in best buy that day showed up on XX/XX/XXXX with my XXXX XXXX XXXX credit card. I feel betrayed, because I was given false/wrongful information with the utmost confidence from an employee at Best Buy, and his confidence in what he was doing allowed me to trust him. If he was not sure of what type of pull the company would have done, then he should have gotten someone who could answer that question instead of telling me incorrect information. <P/>Best Buy Address : XXXX VA ( Store XXXX ) XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

A company called Merchant 's and Professional are representing a company called XXXX. This company claims I owe them XXXX dollars. This company never did anything for me. Nothing I could not have done on my own. They are reporting this erroneous charge falsely to credit bureaus called equivalent. I want this to stop. Please assist.
Product: Debt collection

I have made repeated attempts with XXXX XXXX XXXX to get an itemized bill and medical records. When I call I'm either told the system is down, or I have to leave a message and no one returns my call. I have no problem paying the debt once I am given the chance to look over records and the bill to make sure I am being appropriately billed. This is no different than receiving a recipe for goods or services bought.