23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I filed complaint # XXXX regarding Capital Account 's repeated harassment at work, intimidation, and misrepresenting themselves as agents of the US government to senior citizens regarding an alleged debt that I owe. Additionally, they have now as of XX/XX/XXXX fraudulently reported this unobligated debt to the credit reporting agencies without advanced consumer notice or providing me the opportunity to review the claims as they promised I would be able to. 

For context, I wrote to XXXX  accounts on XX/XX/XXXX detailing my disputing of the debt, request of notification if the unobligated debt is to be reported to any credit reporting agencies, as well as highlighting that the debt is disputed, in addition to filing my first complaint with CFPB. Email text provided below for context ; XXXX  Accounts has yet to respond to my consumer inquiry for over XXXX weeks. 

As you can see via the XXXX Account response to complaint # XXXX, they falsely decline calling both myself and elderly relatives ( even though this is proven via cellular work phone records ), and state that they " ... will request an itemization of your account from your original creditor. Once received, we will forward that to you at the address you provided on your correspondence here. '' This was never provided, and XXXX Accounts proceeded to file false information with the credit bureaus. 

Since XXXX  Accounts is repeatedly acting illegally in bad faith, has elevated harassment to a level that has negatively affected my credit score without a proper chance for consumer validation of alleged debt, and continues to operate outside of legal collection laws, I am requesting the CFPB 's assistance again to have XXXX Accounts remove the false debt obligation from the credit bureaus until such time that they can provide proof / detailed documentation / receipts of any alleged debts owed so I have the opportunity to share with my attorney and dispute. 

XX/XX/XXXX email to XXXX  Accounts at " XXXX '' " Dear XXXX  Accounts, I am responding to your contact about a debt you are attempting to collect. You contacted me by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition to continuously calling me at my work number which does not allow personal calls, you also contacted several of my associates misrepresenting who you were, misstating alleged amounts owed, and harassing family members. 

Please stop all communication with me and with this address about this debt. I have contacted the Consumer Financial Protection Bureau and reported your company 's harassment, including my phone records from work that you are unauthorized to call, and harassing senior citizens while misrepresenting both your company and amounts of money allegedly owed. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Please confirm receipt and notice. ''
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received notice via XXXX  XXXX that an inquiry was placed on my XXXX credit report from Wells Fargo Card Services that I did not authorize, nor apply for. As this has had a negative impact on my score, I have moved to file a complaint as recommended by XXXX XXXX.
Product: Debt collection

This account was sent to collections after the credit companies and I agreed that these 2 accounts were closed and that no responsibility should be taken regarding these accounts going forward. None of this happened and the accounts were closed and simply sent to collections for a third party to reach out and collect balances shown in these accounts. Ive tried many, many times to dispute it through my credit check app and nothing gets changed and Im still in collections with these 2 credit card companies. This is ridiculous!!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX 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: Bank account or service

I opened an account with a bank in my home state so that my family and I could easily exchange funds while I am XXXX out-of-state. Since I receive my mail at my XXXX address for several months out of the year ( and since I was going back to XXXX shortly after the account opening ), I listed my out-of-state XXXX address on the account application. Despite this mailing address, I am STILL a resident of my home state, and I have an ID from my home state. This information was documented on my account application. 
I was hoping to receive a new account sign-up bonus from this bank, which stated that only residents of X states ( including my home state, but not including my XXXX state ) were eligible for the sign-up bonus. Since I am a resident of my home state, I am eligible for this bonus. I completed all other requirements of the new account bonus promotion, but the bank refused to give me the sign-up bonus, saying that I am ineligible because I used my XXXX mailing address on the account. I want this bank to be penalized for their deceptive marketing and unfair customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX  says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 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 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.
Product: Credit reporting or other personal consumer reports

My credit score decreased XXXX points. On XXXX  XXXX it says hard inquiry because I tried to apply for a new credit card, which is not accurate. I applied for a Wells Fargo debit card and XXXX debit card, which I havent heard back from either banks. Neither stated anything about credit pulling. Applying for a debit card shouldnt have pulled my credit that hard. I want this fixed immediately. All my accounts and payments are up to date and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach by the company which called for my personal information was fraudulently on the dark web!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXX, XXXX XXXX  account # XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/year>, I look down at my phone this On this Sunday at night and I see on my phone that they are requesting {$25.00} from me or they will close my checking account without giving a time frame of when they would do this. I called the bank they I saw and they told me to disregard it. I don't believe this is a legitimate reason to close an account and if you're going to close an account you need reason and more clarity with request not on Sunday a few days for payday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Failure to Provide Debt Validation Dear XXXX XXXX XXXX, I am writing to bring to your attention that despite my previous request for validation of the debt, as per my letter dated XXXX XX/XX/2023, I have not received any response or documentation from your company. This failure to provide validation is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the debt in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount in Dispute : {$1400.00} As outlined in the FDCPA, I have the right to request validation of the debt within 30 days of receiving a collection notice. I sent a timely request for validation on XXXX XX/XX/2023, providing you with the opportunity to provide the necessary documentation to verify the debt, including proof of my liability and your authority to collect the debt. 
Given the lack of response and failure to provide validation within the required timeframe, I am disputing the validity of this debt and requesting immediate removal of the debt from my credit report. I have also informed the credit reporting agencies about this dispute. 
I expect your prompt attention to this matter. Failure to comply with the FDCPA and rectify this situation may result in legal action being taken against your company. 
Please provide written confirmation of the removal of this debt from my credit report within [ reasonable timeframe, e.g., 30 days ] after receiving this letter. Additionally, I request that you cease all collection activities. 
related to this debt until the requested validation is provided. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Mortgage

We fell behind due to repairs needed to the property. The problems has now been resolved.
Product: Vehicle loan or lease

XXXX XXXXTruist . My loan payment was to go 30 days past due XX/XX/2022 after a sizable commission was delayed a month. After securing a personal loan from a mentor on the XXXX, I went to pay it online on the XXXX after the check cleared, and the system would not let me set the payment until the XXXX, after it's 30 days past due. So I attempt to call them after my day ended on the XXXX but their offices had closed an hour earlier. So, I went ahead and submitted the payment for the XXXX, the next day offered. Then today, Saturday the XXXX, I called, hoping they could take the payment over the phone and set it paid for that day. I was told internal collections was already handling the account so they can't take a payment over the phone (! ), I'd have to talk to them and they aren't available, which is of course Monday, the XXXX. Day XXXX (! ). So it puts someone who is already struggling a little and tried to do the right thing, making sure a deposit clears not sending a cold check online while still making a payment before it goes 30 days late into a position where they claim they legally must report it 30 days late. When they wouldn't let me pay it on the day I tried to pay it! How is that legal?! It's not like I'm trying to pay it on a weekend. I tried to pay it on a Thursday morning! And they don't have a way to pay by debit so it goes through the same day. If I go online or call to make a payment, that's the day I paid it and the day it should be reported, unless the payment fails to clear. My mortgage company counts it paid the day you pay it not the day it clears. My phone company, my utility, etc. I'm likely now set to have a 30 day late payment reported when I attempted to set the payment 3 days before the last day and then actually set the payment 2 days before because their system takes 2 days not to process a payment but to even SEND it. This needs fixed! I am just recovering from a credit standpoint from the same thing with the same company because I was told falsely that it was reported paid they day you set up the payment, not the day they process it. I understand the ways this system could be gamed, but if a consumer attempts to make a payment on a given day and a company will not allow them to do so, it should absolutely not be able to be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries : 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: Debt collection

Balance is XXXX to different collection agencies. Was paying the hospital XXXX a month and they still sent me to collection I didn't know this and want to know where the money went that I was paying a month never received anything from the collectors cause I thought I was in good standing cause at least I was paying something towards it and now they are on my credit reports in collections. I don't think it's right since I was paying and they debt was only 4 months old before sending it to collections. Now I'm getting phone calls at all hours of the day everyday from collections
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.
Product: Debt collection

Despite numerous requests to remove a debt due to ID theft Equifax, XXXX and XXXX XXXX XXXX you need to violate the fcra regarding credit reporting negatively a debt that does not owed and due to ID theft.
Product: Credit card

Attempting, for the second time, to resolve USAA credit card disputes. ( See attached for complete list of disputed charges )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The list of account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC 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 b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.
Product: Credit card

I informed Apple Card by Goldman Sachs that I was encountering financial difficulties due to health issues faced by myself and a family member. I have had the account for a couple years and have established a track record of making full payments, each month, on time. 
I have diligently been making payments each month over the last 3 months, but have relentlessly been charged interest and have not been offered any help with the continual charges, notwithstanding my longtime account member status. 
In addition, the interest calculator tool has been incorrect, and the system increases the amount of interest in large excess than what it states it will be as the month goes along. 
I have been charged over {$250.00} in interest over the last 4 months despite proactively reaching out to ask for disaster relief ( stemming from XXXX damage to my family member 's home in FL ) and health crisis considerations. When I call, I receive discourteous, unhelpful service, along with false promises about what interest can be waived and what can be done for my account. 
Additionally, I was told that I couldn't receive any help since I had already made the minimum payment in a given month and to call back early the next month ( which means that I'm being penalized for making as many payments as possible! ). However, when I called back the next month before making any payments, I was told I STILL could not receive any assistance. 
Apple Card has been the worst experience, from a customer service standpoint, imaginable. As a comparison, when I called XXXX with a similar request, I was given a XXXX interest waiver and an offer to be put on a zero-interest plan for 12 months. I don't expect that every company will behave the same, but I certainly did not expect that XXXX and Goldman Sachs would leave me feeling so helpless and hopeless.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXXXXXX  and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
FROUDULENT ACCUNTS! 
XXXXXXXX XXXX XXXX. 
Balance : {$3700.00} Balance updated : XXXX XXXX, XXXX Credit limit : XXXX Account number : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving FROUDULENT ADDRESSES! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

My friend sent me cryptocurrency but when I tried to verify myself to comply with their rules it closed my account. When I tried to decline the transaction to return the bitcoin it said I couldnt access the app features. The app I used was cash app. I couldnt withdrawal, access, or decline the transaction.