23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The credit reporting agency and its reporting creditor violate morphing or duplicating negative credit information on an account that does not belong to the consumer. Moreover, the credit reporting agency and reporting creditor have failed to furnish the consumer requested document ( s ) signed and dated by the consumer to validate the listed information on the consumer credit file not belonging to the consumer. Additionally, it has failed to delete the inaccurate, incomplete, and unverifiable information within 30 days of receiving initial notice of the consumers dispute. Furthermore, the credit reporting agency has failed to notify the consumer when it supplies negative credit information to a credit reporting agency. Consumers rights have been violated. inaccurate, incomplete, or unverifiable information must be removed within 30 days from the initial date of this complaint. 

Moreover, the credit reporting agency sent a letter falsely stating that it found no such history of the reported XXXX XXXX XXXX collection account being reported on my account. It is being reflected via one of my credit accounts ' XXXX  reporting service online.
Product: Vehicle loan or lease

I purchased a vehicle right before the epidemic lost my job like most people took the money I had was only short {$500.00} to pay full amount of Car Loan company refused I was never behind on a payment I had only had the vehicle for a few months as is so told them I need to get something with the cash I have and I would surrender my vehicle to them because I needed something with no payments which is what I did now my credit report is all messed up. They have me at 60 days late. They have it open on some accounts closed on some accounts and a charge off on another account. I need this fixed please
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX MIXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXXI Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received an Email from a co-worker on XX/XX/2021 stating that I needed to give a XXXX XXXX a call at XXXX Ext XXXX. I called the number back about an hour later, thinking it was related to work. Once transferred after I called, I spoke with XXXX XXXX and advised who I was and the name of my company. She then proceeded to try and ask me personal questions before she could let me know what the call was about. I would not give her information and asked " what is this call about, if not work related? '' She again, tried getting personal information from me and stated my last four of my social and asked me for my birthdate, which I would not give and home address. She was also at the time, repeating my phone number, of which I assume she was logging into the computer. She then went on to say, its a recorded call and its a debt from XXXX XXXX ( of which I do not owe ) ; and said Credit Corp had purchased this debt and that this was pre-legal. She was calling to see if she could get something worked out " Before they turn this information over to their lawyers '' and have something did, I did not understand her last sentence. I then said, I do not owe any money on this and further, DO NOT CALL my job giving information to my coworkers. My personal has nothing to do with this. She ignored that sentence and proceeded to tell me, " Yes, we have that information and threatened me that I would have my wages garnished because they have that information '' She also said, they had been trying to reach out to me ... I stated again to her, DO NOT CALL my work. Further, I said to her ... Turn it over to your legal and I will have my attorney definitely get back to them about this, because at this point, she has threatened me and I have never even spoken to these people nor have knowledge of this so called debt! I stated it to her twice and then proceeded to hang up the phone. Under FDCPA law, it is illegal for a debt collector to threaten you with garnishing your wages our property. She DID this! Therefore, I am officially reporting this negligent and unlawful act. Further, I have been told this company has called before and my coworker just did not give me the information because she could not verify who this person was or why the call. I called my work to indicate if they received another call from the number listed above to not take the call and tell them, they are not allowed to call me there. Someone from the company turned around after I STATED, " DO NOT CALL MY JOB '' and called again trying to gather information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX XXXX XXXX is a non-profit 501 ( c ) 3 that has been serving the community for 130 years and is currently operating as a combined family service, community action program, and behavioral health organization serving up to XXXX individuals across the lifespan. As of XX/XX/XXXX, XXXX launched as a Certified Community Behavioral Health Center ( CCBHC ), Our mission is to support individuals and families of all cultural backgrounds in their efforts to meet economic, social and emotional challenges and enhance their well-being. 
XXXX XXXX ( XXXX XX/XX/XXXX ) is currently served in our XXXX XXXX XXXX program, in which he was enrolled on XX/XX/XXXX. He had a prior enrollment XX/XX/XXXX XX/XX/XXXX. XXXX XXXX is being treated for trauma associated with a history of abuse, including being victimized through XXXX XXXX. 
On behalf of XXXX XXXX, I am requesting that XXXX-related information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX electronic signature XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX { XXXX ) XXXX
Product: Debt collection

The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.
Product: Credit card or prepaid card

I applied for a Bank of America Merrill+ Visa Signature credit card on XX/XX/XXXX and was approved the same day. I was approved for a {$20000.00} limit. I received the card on XX/XX/XXXX. 20 minutes after receiving the card, I made a purchase at XXXX. About 20 minutes after the purchase, I received a call from Bank of America informing me that they had closed my account because they approved it in error. According to the representative, the application should have been declined because they had extended me sufficient credit. I asked if there was anything I could do to reopen the account because I had been a loyal customer since XX/XX/XXXX and never missed a payment ; however, the representative informed me they could not reopen the account. Next, I asked if they could remove the account from my credit report. The representative said they could not remove the account from my credit report due to the purchase I had made just 20 minutes prior. I spoke to another representative a week later and they gave me the same information. The account recently appeared on my credit reports.
Product: Debt collection

I XXXX XXXX, asking for verification and validation on this collection account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/. The original creditor for this account is listed as XXXX XXXX XXXX. 


Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. 


I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.

2. Documentation proving that you are legally authorized to collect this debt. 
3. Verification of the original creditor, XXXX XXXX XXXX. 


I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. 


Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. 
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Ive been using an app called XXXX. XXXX now has a error message stating that customers with pnc can no longer link there accounts. I hate to have to change banks after so many years. Please have this fixed in order for people to continue using app when needed.
Product: Credit card or prepaid card

I HAVE RECIEVED A LETTER FROM SYNCHRONY BANK THAT MY LOWES CREDIT CARD HAS BEEN TURNED OVER TO ANOTHER 3RD PARTY COLLECTION ON XXXX WITHOUT MY PRYOR KNOWLEDGEMENT THAT THEY WERE GOING TO BE TURNED OVER. THIS IS A VIOLATION OF MY RIGHTS BEING TURNED OVER TO ANOTHER 3RD PARTY COLLECTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are invalid and incorrect on my credit report XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I receive my SSI on my direct express card and it is connected with Comerica Bank. My account has been HACKED three times and have had to get new card from direct express. And have gotten charged XXXX and XXXX for expedite shipping three times when this has happened and should not have been charged because it WAS NOT MY FAULT. I get my SSI deposited second Wednesday of every month and can not be worried every month if I can get access to money that I have worked all my life to receive. Comerica is FDIC INSURED and also need my {$1400.00} put back on another new card and they are refusing to do so. Comerica keeps telling me to call direct express and just can not get any straight answer! RIDICULOUS and I'm tired of waiting. THIS IS ON COMERICA BANK and needs to be fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

experian needs to know this about mariner finance. on experian, XXXX XXXX is showing im behind 30 days. while on XXXX and XXXX, they are showing me as current and up to date as of XXXX XXXX 2023 : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 How ever, on experian, the balance was updated on XX/XX/2023 with 30 days late payment. this information is incorrect and fraudulent. XXXX XXXX is not allowed to talk to me and I can not talk to them about the account because I reported them to my state attorney general 's office not too long ago. they are reporting false information on my experian and experian needs to fix this or i will sue experian and report them to the local news
Product: Debt collection

This is in reference to an alleged debt from XXXX XXXX and Oliphant Financial. 

According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered XXXX XXXX  and financially. 

Your company and its agents XXXX  me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. 

While going through my XXXX Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently XXXX XXXX XXXX XXXX XXXX I was also discriminated against and denied my right to extend credit. I have suffered XXXX  as well as financial hardship. 

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports XXXX away any alleged balance owed XXXX as per the attached invoice ; {$25000.00}. 

You shall be granted XXXX ( XXXX ) days to respond. 
Rule XXXX. Presumptions in Civil Cases Generally - explains your duty to respond. 
Rule XXXX. Need for XXXXersonal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 

Thank you for your attention to this matter,
Product: Debt collection

UPSTART NETWORK INC is reporting that {$31000.00} is owed to them and listed as a derogatory account, yet I DID NOT open an account with Upstart Network Inc. According to XXXX and XXXX, this loan is a private education loan, yet I am not in school. I enlisted in the XXXX in XXXX, and I have been an XXXX XXXX service member since that time. I get XXXX in less than one month, and I need this rectified quickly. 

I have maintained credit freezes on all three credit bureaus, due to identity theft. Upstart Network Inc. is reporting on my XXXX and XXXX credit reports. Upstart Network Inc needs to remove the derogatory collections accounts from my credit files. I give the CFPB permission to post this publically, so other consumers can be aware of the unlawful business practices Upstart Network Inc carries out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX  XXXX XXXX. I contacted the original debtor ( XXXX XXXX ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe XXXX and XXXX original debtor ( XXXX  ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX XXXX they keep sending me through hoops to dispute this debt and had no account information on me when I called.
Product: Checking or savings account

The account was held inactive for over three months despite efforts to follow their directions to reactivate the account. Customer service and Citigold relationship manager provided erroneous information repeatedly that resulted in continued inability to access my account. As a result, a pending financial transaction was not realized. A summary of highlights is attached.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card

I went to an Ulta on XX/XX/XXXX where they said I was pre approved for a credit card. I accepted but never received a card. Three months later, I received a notice from my bank that my credit score had decreased because of late payment all of my credit cards are on auto-pay. I called Ulta and transfered me to Comenity bank. I told them that this charge was unrecognized and that I had never even received a credit card to this day I have never received an Ulta credit card. I asked to file a dispute with and they said they would investigate. It took them three months to get back to me about the investigation, but each month in between they charged me with late fees. The mail they sent said they needed more information such as a receipt. I attempted to get a receipt from Ulta but they said too much time had passed so the receipt was not in their system. 

I filed a complaint with CFPB about Comenity bank not resolving a fraudulent purchase on a credit card I have never received and their response was completely irrelevant to my issue. So I am here once again to re-explain that the issue is of an unrecognized purchase that I never made on a card I never received. The card has since been cancelled but I need the fraudulent charges and late fees reported to each bureau so I can get back to my 700+ credit score, which Comenity bank has completely ruined with their negligence and terrible customer service.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXXXXXX