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

ON XX/XX/2022, MY XX/XX/2022 RECORDED CALL FROM XXXX AT XXXX WAS PROVIDED TO THE COLLECTION AGENCY, XXXX XXXX XXXX XXXX. IN DISPUTE OF A XXXX DOLLAR COLLECTION FROM XXXX. IN THE CALL, XXXX MAKES CLEAR THAT I AM NOT OBLIGATED TO PAY THIS. SHE SAYS : YOU WILL RECEIVE NOTICE CHARGE OF XXXX DOLLARS WILL BE AUTOMATICALLY CREDITED TO YOUR ACCOUNT, WE ARE GOING TO WAIVE IT FOR YOU, YOU DO NOT NEED TO WORRY ABOUT IT, TICKET NUMBER XXXX. XXXX XXXX HAS THIS PROOF THAT I AM NOT OBLIGATED TO PAY THIS, BUT THEY REFUSE TO REMOVE THIS SLUR FROM MY CREDIT REPORT. TODAY, XX/XX/2022, I DISPUTED THE CHARGE AGAIN BY CALLING XXXX XXXX WHO REFUSES TO DO ANYTHING MORE THAN KICK IT BACK TO XXXX. 

Recorded call XXXX  link ( video file ) available until XX/XX/XXXX, XXXX XXXX  : XXXX
Product: Credit reporting or other personal consumer reports

my information was exposed in a data breach and demand that you remove these accounts that don't belong to me and are FRAUDULENT!!! UNDER SECTION 605B OF THE UCC I DEMAND PROOF OF VALIDATING DEBT FOR THE ACCOUNTS LISTED BELOW BY WAY OF ; *FORWARD FLOW AGREEMENT *CHAIN OF ASSIGNMENT *PROOF OF ORIGINAL CONTRACT WITH WET SIGNATURE ACCOUNTS IN DISPUTE ARE AS LISTED : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Non Governmental organization helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Credit Report Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Account Balance : {$1000.00} This account does not belong to me and I am requesting immediately removal. I also included a copy of my FTC report.
Product: Debt collection

i have a medical debt in collection I just want yo Pay and I not know were to call to pay for ir i habe insurance i just want to know what i need to do
Product: Debt collection

This debt was on my credit last year ( XXXX ) from a company called XXXX XXXX XXXX I disputed it twice with XXXX and the second time it was removed from my credit. The debt was then taking off my credit but reappeared this year ( XXXX ) from a new company called I C Systems XXXX. I disputed it twice with XXXX and it remains. I uploaded prove that it should be deleted once again and XXXX and IC SYSTEMS have not giving me anything proving this debt is mine to be paid.
Product: Debt collection

this company is reporting an unknown debt on my XXXX  credit report. I have sent them several notices and I have been ignored. Also my XXXX  credit report does not list a report or reference number for this account. It appears to be a hospital bill- I have not step foot in a hospital/emergency room in almost 10 years. I have health insurance and XXXX  also has a copy of my police report for ID THEFT ON FILE
Product: Credit reporting or other personal consumer reports

There are several things on my credit report that are way beyond XXXX years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the California safe at home program for XXXX XXXX XXXX  They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.
Product: Debt collection

This company has violated federal law. They refuse to honor my cease and desist which in fact constitutes harassment. I am demanding that they cease and desist which includes deletion from my consumer report or i will litigate. Which will cost them thousands of dollars not including my statutory, or actual damages.
Product: Debt collection

I have been getting phone calls from this place stating it is a debt for a medical bill that I have, I have asked them to stop calling multiple times, and they continue to keep calling me and continuously calls multiple times a day and they still will not stop calling me. I have told them I'm not working and yet they keep calling and asking me when I will pay and how I can pay and if I have a family member that can help me settle the debt. Uncalled for. 

XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call and says we will try later when I tell them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SET UP A SETTLEMENT AGREEMENT OVER THE PHONE. THEY GAVE ME A SETTLE AMOUNT OF {$810.00} ON MY XXXX XXXX ACCT THAT WAS SUPPOSE TO SPLIT AND PAID IN 2 INSTALLMENTS AND TAKEN FROM MY XXXX ACCT. ONCE THE 2 PAYMENTS WERE SUCCESSFULLY DRAWN ON THE TWO AGREED, I WOULD GET A LETTER IN THE MAIL THAT MY SETTLEMENT WAS FULFILLED FOR MY XXXX XXXX ACCT. 

XX/XX/2020, I GAVE THE SYNCHRONY REP. MY XXXX   CHECKING ACCT # AND ROUTING # TO SETUP THE 2 AUTOMATIC WITHDRAWS FOR THE FOLLOWING DATES THEY SET-UP. 

-FIRST SCHEDULED PAYMENT - XX/XX/2020 FOR {$400.00} ( SUCCESSFUL ) -SECOND PAYMENT - XX/XX/2020, NOTHING CAME OUT MY XXXX ACCT. I EVEN CALLED MY BANK AND THEY VERIFIED NOTHING WAS PULLED BY SYNCHRONY BANK. 

XX/XX/2020, I NOTICED THE MONEY STILL HAD NOT BEEN TAKEN FROM MY XXXX ACCT. I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SEE WHAT HAPPENED & WHY THEY DIDN'T PULL THE SECOND PAYMENT FOR {$400.00} AS AGREED. THE SYNCHRONY REP SAID SHE DIDN'T SEE THE 2ND PAYMENT SCHEDULED ON HER END AND WOULD SUBMIT A COMPLAINT FOR ME. 
SHE SAID MY SETTLEMENT STILL LOOKED ACTIVE ( AS OF XX/XX/2020 ) AND ASKED DID I WANT TO MAKE THE SECOND PAYMENT THEN INSTEAD. SHE SAID MY ACH BANKING INFO WAS STILL ON FILE, SO SHE INITIATED THE PAYMENT OF {$400.00} TO COME OUT OF MY XXXX ACCT. THE WITHDRAW FROM THEM WAS POSTED ON XXXX ACCT ON XX/XX/2020. 

XX/XX/2020 I GOT AN EMAILED LETTER FROM SYNCHRONY DATED, XX/XX/XXXX SAYING THAT I DIDN'T SETTLE MY ACCT AS AGREED AND THEY WOULD REPORT MY ACCT AS BAD DEBT TO ALL THE CREDIT AGENCIES. 

XX/XX/2020 I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX XXXX AND THE LADY CLAIMED SHE COULDN'T DO ANYTHING AND GAVE ME THE # TO THEIR RECOVER TEAM AT PHONE # XXXX. THE RECOVERY TEAM REP SAID SHE UNDERSTOOD MY SITUATION AND APOLOGIZED FOR MISUNDERSTANDING BUT COULDN'T HONOR THE SETTLEMENT STILL. I TRIED TO EXPLAIN TO HER THEY DIDN'T HONOR IT BECAUSE THEY NEVER PULLED IT. I'M THE ONE THAT CALLED IN AFTER I NOTICED IT WAS PULLED ON XX/XX/XXXX AND MADE THEM TAKE IT ON XX/XX/XXXX. THE SYNCHRONY RECOVERY TEAM REP STILL SAID SHE AND HER MANAGER COULDN'T HONOR THE ORIGINAL SETTLEMENT AND TRIED TO OFFER ME A SECOND SETTLEMENT ON THE REMAINING ORIGINAL BALANCE. I SAID NO! BECAUSE THAT'S NOT FAIR. I PAID THE FULL SETTLEMENT AMOUNT AGREED ON, ITS NOT MY FAULT SYNCHRONY DIDN'T PULL THE SECOND ACH PAYMENT AS AGREED! 

XX/XX/XXXX, I ALSO CALLED MY MY BANK XXXX BANK & THEY TOO CONFIRMED SYNCHRONY SET UP AN ACH PAYMENT ON XX/XX/XXXX AND INITIATED THAT PAYMENT OF {$400.00}, BUT NEVER DID ATTEMPT TO TAKE THE SECOND PAYMENT OUT ON XX/XX/XXXX FOR {$400.00}. 

I AM HIGHLY UPSET AND FEEL THAT I WAS MISLEAD & NO ONE TRIED TO HELP ME! I DID MY DUE DILIGENCE in communicating and following up! I want my settlement honored and I also want them to delete any default, bad debt or negative information from my account FOR ALL THE DISTRESS!!!!!
Product: Credit card

I am a victim of identity theft Due to my mother opening an account with Discover Bank. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account and I shouldn't have to pay for something i did not authorize.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment was incorrectly reported due to a clerical error on the part of XXXX. My payment was made on time, as confirmed by my bank records, but was mistakenly recorded as late due to a processing error within XXXX 's system. This error has unjustly impacted my credit report and does not reflect my true payment history. 
Evidence provided : Bank statement showing the payment made on time. 
Confirmation from XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I filed a complaint CFPB against this company on XX/XX/19 and the company responded admitting that they had no relationship with me!! Therefore, I should not be held accountable for an unknown, unauthorized, unverifiable or non- validated account that does not belong to me. The amount has Severely damaged my credit from each of the major bureaus. Its only fair to correct this due to the inconsistency on the behalf of this company.
Product: Debt collection

I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.
Product: Consumer Loan

I received a copy of my credit report and noticed the American Honda Finance was reporting a few late payments. I requested a copy of the payment history directly from the company and they indicated it was archived. They were able to see I had an account with them since they knew the information was archived. I received correspondence in the mail that they wanted more information such as Account number, Name on account, last XXXX numbers of my social and the XXXX digit Vehicle ID number. First they did have my name because I spoke with them, they did have my last XXXX of my SS because that is how they supposedly located the information to let me know it was archived and second the account number they would have also had to know it was archived. As for the VIN number that is completely asinine this has been year ago and no longer have possession of the car or any type of paperwork that would list the vin number. All I requested was the payment history that they should have listed since it is reporting on my credit report.
Product: Debt collection

MERCHANTS & MEDICAL CREDIT AT XXXX XXXX XXXX XXXX XXXX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$50.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......
Product: Debt or credit management

Midland Credit Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Good evening, I am writing to formally request validation of the debt associated with the account/case number : ( XXXX ). As per the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ), I am exercising my right to request validation of this debt. 

In accordance with the FDCPA XXXX ( a ) ( XXXX ), I kindly request that you provide the following information within 14 days of receiving this letter : XXXX. Validation of the debt amount, including any fees or interest charges. 
XXXX. Documentation proving your agency 's authority to collect this debt, including validation of ownership and assignment. 
XXXX. Proof of the original creditor and the original account agreement. 
XXXX. Comprehensive details of any previous attempts made by your agency or others to collect this debt, including dates and methods of communication. 
XXXX. Validation of my obligation to pay any debt to Midland Credit Management XXXX. 

Failure to provide the requested information within the stipulated timeframe will necessitate a request for removal of the account from my credit report, as authorized by the FDCPA XXXX ( b ). 

Furthermore, I respectfully request that all communication regarding this matter be conducted in writing, in accordance with the FDCPA XXXX ( c ), and refrain from any further phone contact. 

Your prompt attention to this matter is greatly appreciated. 
Would also appreciate it if this could be sent to all three credit bureaus as well. XXXX Thank you for your cooperation.
Product: Mortgage

I received the attached notification in the mail which is a clear violation of UDAP. I work in the industry at a Bank and am very familiar with XXXX XXXX XXXX new refinance program for clients with high DTI or low FICO, but this notification promises a potential cash disbursement of {$2400.00} ... what is that, the escrow account? Totally fake, this would make it a cash out and that is not what Fannie Mae is offering. They are offering to pay up to {$500.00} towards the cost of an appraisal if their is not a waiver, but in no way shape or form are they offering a cash disbursement!
Product: Payday loan, title loan, or personal loan

I didn't apply for this loan identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : Security Finance Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes.

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Product: Vehicle loan or lease

On XX/XX/23 I exercised the purchase option at the end of my lease term. In violation of the federal Consumer Leasing Act, the dealership charged a fee of {$590.00} which was not disclosed in my original lease agreement. Upon showing the dealership a copy of my agreement, they simply said that the practice is industry standard across all manufacturers. Since Mercedes-Benz Financial Services forces customer in Colorado to work with dealerships directly I had no other option but to pay the fee and seek recourse afterwards.
Product: Debt collection

XX/XX/XXXX I sent a debt validation letter to the company never got a response but I noticed they updated my consumer report with a more recent month and year for the account which wasn't true at all. 
XX/XX/XXXX They called me from multiple numbers saying I owe a debt they can not prove. They are harassing me via phone and email. 

XX/XX/XXXX I answer the phone from LVNV FUNDING LLC the caller ID Said Shepherd which is not my name I asked them to stop contacting me regarding this because they have the wrong person, they did not stop LVNV FUNDING LLC XX/XX/XXXX BALANCE {$490.00} Which the date is completely wrong LVNV FUNDING LLC XX/XX/XXXX BALANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act *XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy. 

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account 1 : XXXX XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX


information taken without knowledge or authorization.
Product: Money transfer, virtual currency, or money service

Cash app customer service took over my phone went threw all my financial accounts on my phone cleared out all my accounts attached to my cash app and sent my funds to XXXX  cash app denied refund as well as my bank XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in reference to XXXXXXXX XXXX with account number - XXXX. 

This account is reporting with a balance of {$3500.00}. I have provided a copy of a letter PROVING that this debt has been sold to a 3rd party debt collector. This account is therefore inaccurate and illegal to report since the debt was sold to another company and needs to removed immediately.

This account is also reporting that the debt was Charged off in every month since XX/XX/XXXX and XXXX XXXX. This is fraudulent, inaccurate and incomplete reporting. This account Violates my right to 100 % accurate and verifiable reporting on my credit report and needs to be DELETED immediately.
Product: Debt collection

I have been receiving letters from Jefferson Capital Systems LLC on behalf of XXXX XXXX to collect a debt that is not mine.
Product: Credit card or prepaid card

I have been an American Express Card Holder since 1989. Over the past year, I have disputed several fraudulent charges to my card and had to spend numerous hours on the phone with American express to resolve. American Express customer service is highly inefficient and customer service representatives are no trained. Most customer service representatives don't speak English. Their on-line web site has issues which has resulted in me spending hours, and sometimes weeks on the phone with them to resolve. Some of the discussions have become heated because every time I call back to discuss a dispute I need to start from the beginning. American Express has been inconsistent with resolving disputes, and in most cases sides with the merchant. One charge I disputed, all the merchant needed to provide was my name and address which was sufficient for Am Ex to side with the merchant. After months of going back and forth with Amex, they contacted me and told me my account was black listed and my card was cancelled, despite I had not missed payments and my account was current. As a result of Am Ex cancelling my account my credit score dropped 30 points. I am being taken advantage of a large corporation who has ruined my credit score and black listed me for no good reason. They claim they black listed me because of negative conversations I have had with their offshore customer service representatives that can not speak English. I am requesting my account to be reinstated until the balance is paid off. I don't think it's fair for me to have a negative impact to my credit score just because a major corporation black lists me when I had the account for over 40 years and in good standing. I don't care to use the card, but doing this to me during a global pandemic is cruel and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} and XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 



XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022