23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I borrowed {$700.00} in last XXXX. I was charged {$93.00} each week paying a total of {$1700.00} and also had 4 overdrafts fees in my bank. Rivervalley wanted more money from me and had an interest of 750 %. I stopped paying them in XXXX and they wanted more money and put me in collections. They are a tribal loan company and they have very bad reviews. I noticed when you look for their address you cant find it at all or even if you reverse phone number search. Also noticed I couldnt even find their license on XXXX search
Product: Debt collection

This is getting ridiculous. This account is not mine. Portfolio continues to report this to the credit bureaus and does not even have the information to provide me. The letter from the creditor dated XX/XX/XXXX shows this was for a LOAN. I have never had a loan with XXXX. Every response the send me is the same information over and over again and nothing new. They provide me with statements that show between XX/XX/XXXX - XX/XX/XXXX nothing at all between XX/XX/XXXX - XX/XX/XXXX. That is 4 months of missing with nothing to show. How do I know there was not a payment, how do I know that the account wasnt closed and paid for. Also if this says for a LOAN on the letter why are they sending credit card bills. No charge off the bill showing when it was truly charged off. 
This has been going on for months. They dont even have my full social security number. They dont respond to my disputes in regard to what I am actually asking for and just keep sending the same generated responses. 
If this account isnt immediately removed I will file a lawsuit for defamation and harassment. I have had enough. 
NO purchase agreement, principal on the letters says XXXX and they are asking for XXXX. I also never have had a loan. Never got a letter from XXXX or anything from my portfolio until I started to dispute the charge.
Product: Credit card or prepaid card

As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud,  corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX CO XXXX XXXX - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX A XXXX Balance {$1500.00} ; XXXX XXXX XXXX  XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX Balance {$4500.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Debt collection

This account is not mine and I dont owe this debt. Please remove from my report in a timely manner. Thanks
Product: Credit reporting or other personal consumer reports

For 5/6 months now ive tried applying for a XXXX XXXXXXXX XXXX account. it wont let me because of your report and i try to see whats on there and nobody will just email it to me. Argh! Im inclined to believe its XXXX  because why does everywhere work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please be advised this is my SECOND 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. 

This company has failed to abide by federal law and furthermore has hindered my ability to obtain credit by illegally placing accounts on my credit file in which they have not sent me verified proof in the form of a consumer contract with my signature verifying that the accounts belong to me that I have asked for under my rights as a natural person. This is a violation of my rights as a natural consumer and a blatant invasion of my privacy. It is with the companies best interest to provide me with proof of what they are reporting on my credit file or be held in contempt with violating my natural rights which constitutes a {$1000.00} fine for every violation that I choose to bring forth to this company. Please also send me proof stating that I gave your agency permission to furnish, distribute or sell any of my personal information. 

Continuing on it is this companies best interest to due their due diligence and provide me with lawful evidence under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ( a consumer contract with signature ) to back up previous " verified information '' or delete these illegally reporting items because I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be aware that you have 30 days from the date of receipt of this complaint to respond to this dispute to the address that you have listed on file. 

I, XXXX XXXX give express permission to have this dispute processed and I have attached my identifying information. 

I demand the following accounts be verified or removed immediately. 
XXXX - CARD SERVICE XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Debt collection

This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XXXX. I gave evidence of same and they continue to state it was opened in XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.
Product: Credit card or prepaid card

This company is unbearably incompetent. In XX/XX/2019 I applied for a balance transfer to a 18 month 0 % APR Barclay card. When I did this transfer ( from a XXXX card ), I accidentally typed the wrong account number in. I called Barclay to fix this, they said I had to file some paper work. I called XXXX, and they told me they had already remedied the issue, and not to worry about it ( cause this is how a competent company manages money ). I called Barclay back and told them XXXX took care of it and to ignore the file I had made of correction. A week went by, My XXXX  card was XXXX   out, and my Barclay card had the correct amount of debt on it ( Starting at about XXXX ). All of a sudden 3 months later, Barclay randomly decided to just decimate this card. They said my file of correction ( that should've been shredded ) forced them to return the entirety of the {$14000.00} credit to XXXX. XXXX having no more account, AUTOMATICALLY FIXED IT ( unlike this trash heap of a bank ), and sent it back to Barclay. Barclay RECHARGED ME the balance transfer, and after talking with 6 different people over the course of 5 hours - one of which yelled at me repeatedly, THEY REFUSED to nullify the SECOND balance transfer of over {$300.00}, because they blamed me for the error. I filed a CFPB complaint, and they FINALLY cancelled the 2nd transfer fee. NOW HERE WE ARE AGAIN! 2 weeks later, and they are charging me an interest fee of nearly {$300.00} meaning they NULLIFIED the 0 % agreement we had BECAUSE OF THEM FAILING to stop that file AFTER 3 months. I think its fair to say they people, out of pure 100 % neglect, are stealing from me. I demand them to cancel all interest fees, double check every transaction on account and make sure there is NO MORE than one balance transfer fee. DOUBLE CHECK all credit reporting for any false reporting of any false debt. And lastly, APPLY AN EMERGENCY {$400.00} CREDIT to the account, as they have failed on several occasions now to uphold the contract of this card, and literally attempted to steal nearly {$1000.00} from me due to negligence. This credit will be applied to getting a new 0 % APR card far away from the incompetencies of Barclay. THIS EVIL SHOULD BE PUBLISHED  EVERYWHERE
Product: Debt collection

I have never been here to this hospital and this is not my bill or debt inaccurate information on my credit report by law debt company can not report false information on my credit report they have reported two bills on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score with Transunion significantly dropping even after paying off accounts and lowering my utilizations. No explanations for score dropping. Possible fraud going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off on my account from XXXX 's back in XX/XX/XXXX. I was delinquent on my account due to the company not sending reminders that my bill was due each month as I had requested. They were sending the reminders and then they stopped. When I received the notice that my account was being closed due to non payment I immediately paid the balance off in XX/XX/XXXX. Now, XXXX 's is reporting that I was 30 days delinquent in XXXX of XXXX, 60 days delinquent in XX/XX/XXXX and 60 days delinquent in XX/XX/XXXX on my credit report. I need to have this inaccurate information removed from XXXX credit bureau 's showing that I was delinquent passed the time that I paid off the charge off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX AND 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. 

XXXX XXXX XXXX XXXX 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: Debt collection

I have an account with XXXX : The status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at Resurgent company on XX/XX/2021 at XXXX via the phone.
Product: Debt collection

I have consistently disputed owing this debt. I have sent 2 letters to Phoenix Financial Services stating this. In my first letter to them dated XXXX, I stated that while I do not acknowledge ownership of this debt I was willing to offer 150 dollars in exchange for them removing this damaging collection account from all three credit reporting agencies, XXXX, XXXX. and XXXX. They responded with a counteroffer of XXXX. I then sent them a letter dated XXXX again saying that while I was not responsible for this debt, I was willing to accept their offer. I just received a letter from them dated XXXX. They claim they have attempted to contact me and the debt remains outstanding, which is not true, and they increased the amount they were willing to accept to XXXX, while completely ignoring my request to remove this account from my credit reports. This is completely unacceptable.
Product: Checking or savings account

On XXXX XXXX I was out trying to get food when my card declined. I called Citi bank and they told me the account was on a block. They then transferred me and told me the account was getting closed. I had no idea the account was on a block or getting closed as I had used the account and made purchases with it the day ( s ) before. They failed to inform me on what was happening and told me they couldnt give me any more information as to what was happening with my own account. I was distraught that week was payday from both of my jobs and business I have. They kept giving me the run around telling me it was on a block then it was set for closure. The representatives were telling me two different things. Fast forward here I am still getting updates about the account that was supposed to be closed. Even one of my direct deposits I was looking for before I could switch to a different bank had entered the account. I was also not informed of this happening. I am upset with Citi because they have not given a clear statement or reasoning as to why they randomly were closing my account and my money that was left in the account has not been distributed to me in any shape or form whatsoever. Its very unprofessional, misleading and I dont even want to continue banking with them. All transactions were normal prior to the closing of my account and a month later Im still dealing with them not returning my money yet and closing the account like they said they would.
Product: Credit reporting or other personal consumer reports

it has come to my attention my personal information has been exposed in XXXX  data breach. After reviewing my credit reports, I noticed some accounts i'm not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX  data breach and a validation of debt letter.
Product: Checking or savings account

IT SEEMS LIKE ALMOST EVEYTIME I GET PAID I GET CHARGED AND OVERDRAFT FEE WHEN DID NOT AUTHORIZE ANY OVERDRAFT. BEEN HAPPENING FOR ABOUT A YEAR NOW
Product: Debt collection

There is a {$77.00} dollar collection on all XXXX  credit bureaus and I have no idea what it is from, who sent it, or anything. 
They did the even put any kind of info as to who they are or anything else.
Product: Debt collection

Both XXXX XXXX and Portfolio Recovery Associates have been improperly reporting the XXXX XXXX/XXXX account. In the Condition category the account should be listed as being paid and should say paid. Within the Condition category it should not say derogatory. This should not be listed as such because it does make the account looked as though it hasn't been paid. This has hurt my overall credit reports and score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : US Department of Education/XXXX  for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$210.00} on XX/XX/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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) {$38000.00} XXXX
Product: Debt collection

I received communications from I.C. Systems that they were collecting a debt for {$2900.00} for a bill from XXXX XXXX. I.C. Systems did not have any information about the details of the amount owed ( dates of service, exact services, charges, fees, etc. ) I contacted XXXX XXXX XXXX services on XX/XX/XXXX, and they stated the last bill sent to me was for {$1200.00} for Direct TV services for XXXX - XX/XX/XXXX and phone services from XXXX - XX/XX/XXXX. Neither of these services are named XXXX XXXX which is what I.C. Systems says the charges are from. They could not give me a breakdown of the amount owed- what exact amount was for XXXX XXXX and which was for phone. Further more the debt they are trying to collect is {$2900.00} and XXXX could not explain the {$1600.00} difference between the last bill of service and the debt collection amount. Lastly, it states a last service date of XX/XX/XXXX, which does not coincide with having the last bill issued in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process '', nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval to do what you do. Here are my demands : I want this agency to provide me with documentation of 'verified ' and 'validated " proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 5 calendar days from today XX/XX/2023, to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in XXXX or XXXX in XXXX XXXX XXXX. Your work has injured me, and I will no longer allow some company who isnt authorized by me to report anything on me. You don't have my permission, nor do you have a power of attorney authorized by me to do this!!! 
The following accounts are incorrect, and your reporting of my private financial information and transaction history are adversely affecting my livelihood! The law that governs you lists exclusions to your reporting capacity. Your violations of that law are many 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX you're reporting a car loan and transaction history again in violation of your governing law. I don't know who XXXX is, nor, do I have a contract with them, delete or I will enjoin you in arbitration or litigation with them. 
Further, any account that has reported a charge off to you is acting in fraud, you might want to distance yourself from them and remove those accounts from your public website. Failure to comply with this consumer 's order will result in enjoining your company in legal action against the furnisher ( XXXX ). Remove all names except XXXX XXXX XXXX and XXXX XXXX XXXX Remove all address expect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. All others are not valid.