23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First time was XX/XX/XXXX The male debt collector was very rude and verbally abusive used profanity and other words and made me cry and said it was his job to make me cry instead of trying to work with me and figure this situation out so I told him he could consider it paid. Then I heard back from them Monday, XXXX XXXX this is to different people. They were nice with me and we made a plan. However, they wanted me to contact loan companies to get a loan for {$4000.00} I didnt know how I was supposed to get them denial letters. She didnt want to give me an email address. I was given until this Friday which would be XX/XX/XXXX, so I called back today which is Wednesday, XX/XX/XXXX. I didnt get to speak with the person in charge of my account she didnt transfer me I dont know what happened anyway this lady was really rude started going off on me telling me what was happening with the debtor. The person who sent the debt talking over me telling me I have a house how do you have that youre on a fixed income, I feel like she was coming at me and not giving me a chance to give my side and explain my situation. Ive already explain my situation three other times, but I called them to find out. How do I send denial letters I was given an email I had to repeat myself multiple times. I finally just hung up because she wouldnt stop speaking over me and yelling at me, the original debt was XXXX and now its {$4000.00} I need help thank you
Product: Bank account or service

I had a debit card of Peoples Bank to use their ATM machine to obtain cash. 
My debit card expired and they sent me a new card which I used XXXX times. 
Then in the mail I got a bill for my XXXX transactions and a XXXX advance charge. 
I then found out at the local branch, Peoples had sent me a credit card instead of a debit card. 
I think I should not have to send Peoples {$20.00} because of their mistake. 
After a few hours on the phone a service person did refund the {$10.00} of the first transaction. 
Also I wonder how many other customer had to pay the same for the banks DUMB mistake?
Product: Debt collection

On or about XX/XX/XXXX I received a collection letter from Rossi Law Office, LTD on a collection for a XXXX bill dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. 
On this same day I called XXXX XXXX regarding this letter and bill from over 2 years ago. 
I spoke to a woman in the billling department regarding this letter as I have never received a bill or notification that money was owed. I was told this debt was sent to this Law Firm awhile ago, and was directed to call the Law Offices. 
I then called the Rossi Law Offices and spoke with a woman who claimed they have had this file for " almost a year ''. At this point I am beyond overwhelmed, scared and confused of a bill of almost {$6000.00}. In my fear I quickly made a payment arrangement to avoid legal actions. I am legally XXXX and live on a fixed income and now widowed. This is where this bill is coming from, on the date of service My XXXX was XXXX in a XXXX XXXX. My XXXX had insurance and this would have been paid with all remaining bills. After speaking to several people regarding this bill, I was told to contact the CFPB. Something is definitly off with this whole situation. 
I was assured this was all taken care of and have never seen a bill since?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian support numerous times and today XX/XX/2022 I was transferred about 3 times and nobody was able to help me.
Product: Credit reporting or other personal consumer reports

Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within four business days of receiving the notification. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in applying for mortgage the company pulled credit reports fro XXXX XXXX XXXX and XXXX. all good, they also pulled factual data that lists a judgement from Indiana from XXXX. I have not lived in Indiana since XXXX and never was notified of a court proceeding. I think that this is either fraudulent or incorrect and it has caused problems with obtaining a mortgage. How can I get this removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at, the list of accounts below have Violating my federally Protect the 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  Have all violated my rights. 
15 U.S.C 1681 section 602A. States : I have the right to privacy.

15 U.S.C 1681 Section 604A. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other reverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 a reasonable cost to believe that the information is in accurate.

Please Delete these accounts immediately to avoid further action.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested from American Express the signature card for my account. They have sent only account information and nothing to prove this account is mine. This has been an exhausting process involving phone calls, emails, and mail. With them still not providing the requested information. I starting this process in early XXXX and we are well over the 30 day time for them to provide the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these items in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX BANK XXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that are not mine on there, not only is the inquiries but my name and all my personal information was involved in two data breaches
Product: Credit card

You crashed my credit score by lowering my credit limit on XXXX accounts, that weren't owned by you when I got them. You did not notify me of any action of this was going to take place. And I know it has happened to a lot of people, there is a forum about it right now This is totally unfair to the people, you are hurting many minority people who has been working on their credit, No you do this, XXXX I think your bank is in trouble and trying to grab people 's tax returns, especially doing the first XXXX  months of the year
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. 
COMENITY BANK/EXPRESS XXXX and COMENITYBANK/NY & CO XXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITY BANK customer service representative.
Product: Credit reporting or other personal consumer reports

Saturday, XX/XX/year> I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : American Honda Finance XXXX XXXX XXXX previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of the investigation. 

Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Checking or savings account

On XX/XX/XXXX I received a wire transfer from my job of {$6100.00} and {$400.00} was my commission and on XX/XX/XXXX i received another wire of {$5200.00} and {$300.00} was my commission. The same day i deposited the money to my company i get a call from my bank saying they are closing my account because the bank was recalling the money wired to my account. I tried to get a confirmation for the bank but no luck. I filed a police report to see if that would help but still no luck.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the date of the last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on TransUnion its ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 

Account Name : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on insert date, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly update to paid as agreed on the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Update this account to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Chase Card to stop making inquiries to my credit report!!!
Product: Credit reporting or other personal consumer reports

i requested that they provide me with a debt validation letter like this one. 

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

They did not provide me with any real proof of investigation of these accounts. They have put up clearly that the accounts are over 7 years and still continue to reflect them on my credit report under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - accounts are to be removed from your credit history after 7 years.
Product: Credit card or prepaid card

There was a change I did not make, and contacted American Express numerous times and never resolved.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry currently listed and showing on my Experian credit report is unauthorized : XXXX XXXX XXXX, XX/XX/2023.
Product: Debt collection

CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA.
Product: Debt collection

This company Convergent Outsourcing , Inc, sent me a letter stating that I owe for an account that I have never had. They purchased this debt from another Collection Company that had put it on my credit report and I filed a complaint because it was due to identity theft, and they removed it off of my credit report and out of their system. Apparently they sold it and Convergent purchased it. This account doesn't belong to me and it needs to be removed from my credit report and out of their system. They also need to stop selling it as it is not a legitimate debt.
Product: Debt collection

They are trying to force me to post date checks and use a debit cards on my account knowing that I do not have the money. They keep saying I am refusing to pay when I am not I said I am willing to pay with a money order or XXXX XXXX money with XXXXXXXXpayments before they refused the XXXX and wanted XXXX or higher. They hang up on me saying I am refusing to pay when I am not.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XX/XX/2017 XXXX data breach several accounts on my credit report are not mine listed : Account Name NATIONAL CREDIT SYSTEMS  Account Number XXXX Account Name NATIONAL CREDIT SYSTEMS Account Number XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to the credit union directly, to the CFPB on XXXX and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! XXXX can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and XXXX! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.
Product: Credit reporting or other personal consumer reports

I noticed that my score was decreasing and the amount of accounts on my XXXX XXXX were increasing. The following accounts that are on my report I would like for an investigate to be held immediately and the current information to be eradicated from my report.