23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Signed up XXXX XXXX with XXXX XXXX XXXX for dogs care. Had payments taken from checking account each month until XXXX of XXXX. Was paying {$44.00} monthly. Twice they increased but never notified me. I only saw the increase when checking my statements. Then I would call to let them know that I couldnt have this do this because Im on a set income. I called to cancel XXXX of XXXX was told I couldnt cancel. So I kept paying. Calling back I was told have to call XXXX moths before plan renewal, so I did. My pets lat visit was XXXX XXXX XXXX. So I called to let them know that I wanted 2 cancel plan being that I had to notify them XXXX months in advance. I have been talked 2 so rudely each time I tried to get someone to understand that I could no longer afford to keep plan and pay. They talked over me and told me there was no one that was over them that I could get any help from. I male even told me what not to say to they person he was transferring me to. I continued to pay {$260.00} from XXXX XXXX until XX/XX/XXXX. I never received any corespondents from them. Then a letter from collections, stating they received a bill that was a 120 days pass due for {$130.00}. I called back to XXXX asking where was the money that was paid to XXXX by my bank. Young lady asked when was that paid as if she had no record of that. At this point and time the collection amount is {$310.00}. That would be twice the amount of & XXXX plus the collection fee of {$47.00}. I have asked where is the money received from bank that would have taken care of the collection fee {$130.00}. I paid XXXX without any problems except when they put through increases. Iihave been informed I was paying double for shots that all dogs only need on each year But the worm exams are taken twice a year. Even with paying automatically I still paid out of pocket when they would say she needed something else when they had me to drop pet off I had to tell them not to do anything extra until they spoke with me This what they didnt like when I wanted to know what dog needed that my plan didnt over. They began to start treating me differently when I would go in or call in. Then they stopped giving me printouts of services rendered. When I called IC System about the collection, I was given the total {$31000.00} and the bill will be put in for a Judgement on XX/XX/XXXX. They stated could settle for {$200.00}. But I keep asking where is the money paid to XXXX from bank That would pay the only bill received as the amount due & XXXX. XXXX never sent bill tome until it was sent in for collection. 

I will appreciate all that will keep this from gong on my credit. Sincerely, I Thank All!,
Product: Debt collection

15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Bank of America on this alleged debt. 


Sample of the letter that I wrote to the credit bureaus. No response from Bank of America Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

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. 

The law is very 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/XXXX. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Adverse information is being reported on my account to credit bureaus. XXXX provided a letter to me stating no delinquencies have been reported. But XXXX and Equifax continue to report it after numerous disputes because they say XXXX is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.
Product: Mortgage

I sent my entire insurance proceeds of ( {$75000.00} ) to Select Portfolio Servicing on XXXX-XXXX-17.

90 days now and the funds have not been credited to my account! 
Meanwhile they have added expensive homeowners insurance to my burned up home! It cost triple to the policy I had prior to the fire! 
Last night & nearly every night I get a threatening phone call from SPS. This time after 21 minutes of XXXX, I told the guy ... 
Go ahead with your foreclosure plans, SPS is going to look pretty XXXX foreclosing on a paid mortgage! 
Since the fire {$78000.00} has been received by SPS towards my mortgage. 
They have me showing in default while sitting on the {$75000.00}, thus the collection calls!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a fraudulent text message, followed by a fraudulent phone call, from someone purporting to be Citbank fraud protection. They had my debit card number and asked me to confirm some more info to stop a so-called fraudulent transaction, cancel my debit card, and mail me a new debit card. The man used the exact language that Citibank 's fraud protection uses, and asked for the same information that they ask for. 

A few minutes later, I began receiving hundreds of emails to the email associated with my Citibank accounts, and buried in the middle of them were notifications from Citi that wire transfers had been initiated out of my checking account. I immediately went on my online app and was able to stop two transfers, for {$1200.00} and {$1000.00}, but three transfers had already been completed, for {$1200.00}, {$1200.00}, and {$1200.00}. 

I tried calling Citi and was placed on a hold, and then drove to the nearest branch. The accounts employee and I waited on hold together for the fraud department, but were unable to reach anyone during the several hours I was at the branch. We closed my savings account, blocked the checking account, and opened new accounts for me, into which I transferred the remaining money in my accounts. 

I went home and waited on hold for more than two hours again and reached no one in the fraud department before it closed for the day. I called back the next day and waited over two hours again, and finally reached a supervisor, who gave me the case ID for the fraud. I was also provided with the routing number and account number the money was wire transferred to : Acct. XXXX, Rtg. XXXX. The name on the account was XXXX XXXX. I was informed that if the funds were not still available on the other end, I would likely not receive the funds back. 

I filed a police report with the XXXX XXXX Police Department, and an FBI report with IC3.gov. I've since been contacted by a police department in South Carolina, who had received my report from SFPD, letting me know that the institution in question, XXXX Bank ( possibly XXXX, they merged ) was actually in XXXX XXXX, Florida, so the report would be transferred there. I spoke with Citi 's fraud department yesterday, who told me that the institution confirmed the funds were no longer available, and Citi told me I will not be refunded. 

The stolen money was my loan to hold me over while I'm unemployed for two months in preparation to take the California Bar Exam, which takes place at the end of XXXX XXXX  It was intended to make this process less harrowing. Citibank has done exactly the opposite of that, even going so far as to blame me for the fraud, despite the fact that the fraudsters had my account information ; that I have NEVER authorized a wire transfer into or out of any of my accounts, let alone 5 in quick succession ; and that I have been a customer since XXXX. I have spent countless hours on hold or being transferred around, trying to get more information about my case, only to be told that Citi refuses to refund me.
Product: Debt collection

Im getting constantly harassing phone calls. Some agents pretend to be other companys, call me from a lot of numbers anytime of the day. Sends constant emails and text messages.
Product: Credit reporting or other personal consumer reports

This is not only false reporting but this proof of identify theft. 
This was damage caused on your part after stealing my private and non public information. This was never reported to your company. 
This is not a factual or active event to report on my credit file. 

You have 96 hrs pursuant to the FCRA to remove bankruptcy immediately.
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 # XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account XXXX XXXX has violated my rights . 

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.
Product: Debt collection

Credit Reporting agency filed to properly verify and valid information that was disputed on my credit report.
Product: Credit card or prepaid card

Due to Covid caused financial hardship, I have been unable to make consistent monthly payments to Synchrony regarding my Amazon.com card. They have already made a ton of money off of interest from me and I would just like to settle the account or reach a better payment agreement as Covid has really hurt my business.
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 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 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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: Student loan

Edfinancial is currently showing payments that due on XX/XX/2023 and are now past due, even though student loan payments do not resume until XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with Equifax, XXXX and XXXX. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with Equifax, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I think need to be investigated because they are not accurate. There is a letter attached that will explain everything
Product: Debt collection

After speaking with my previous insurance provider I was informed that the amount that quality asset recovery is attempting to collect is inaccurate. I am now once again requesting that this collection agency display the original bill in document form. 

Account # XXXX Inaccurate amount {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Failure to Remove Fraudulent Information from My Credit Report Dear Consumer Financial Protection Bureau, I am filing this complaint against [ Collection Agency/Credit Bureau ] due to their failure to remove fraudulent information from my credit report, despite my repeated requests and the submission of sufficient supporting evidence. This inaction is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws.

Nature of the Complaint : I am a victim of identity theft and have encountered fraudulent accounts appearing on my credit report. Prior to last week, I contacted multiple representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name.

Despite multiple formal requests, my personal information has not been updated or corrected, which violates my rights under FCRA regulations. The following issues persist : Requested Actions : Removal of Fraudulent Accounts Unauthorized credit card accounts, loans, and collections that do not belong to me.

Fraudulent hard inquiries resulting from identity theft.

Update Personal Information Correct my legal name to XXXX XXXX only.

Remove outdated addresses and retain only my current address : XXXX XXXX XXXX XXXX XXXX XXXX. 

Delete all phone numbers listed on my credit report.

Remove my Social Security number and date of birth for privacy purposes.

Delete all employer information from my credit report.

Compliance with Data Breach Regulations I was affected by major data breaches, including : Equifax breach ( XXXX ) XXXX breach ( XXXX ) Experian breach ( XXXX ) These breaches resulted in unauthorized access to my personal data, leading to identity theft.

Failure to Verify Disputed Accounts The credit bureaus have refused to provide the method of verification for the disputed accounts, violating my consumer rights under : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure reporting accuracy.

Supporting Documents Enclosed : Copy of my government-issued ID Copy of a recent utility bill ( proof of address ) Identity theft report filed with the FTC ( Report Number : XXXX ) Police report Affidavit of Dispute Legal Consequences for Noncompliance : Failure to comply with these requests within 30 days will result in further action, including escalation to federal regulatory agencies and legal proceedings. I will seek damages under : 15 U.S.C. 1692k : Civil liability for violations 15 U.S.C. 1681n ( b ) : Civil liability for willful noncompliance 15 U.S.C. 1681i ( 7 ) : Failure to provide verification methods
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX