23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am having issues with harassment calls from XXXX XXXX XXXX, headquartered in XXXX, Tennessee. Before I go on, my payoff amount is {$1000.00}. This complaint is in regards of the leftover {$110.00} amount on my account of this month. I have called this firm before XX/XX/XXXX warning that I am not going to make the full payment but agreed to set up an automatic {$130.00} partial payment on XX/XX/XXXX. The payment went through. Today ( at XXXX XXXX CST ), I got a call from the same firm ( " spam risk '' on the Caller ID ) demanding the other {$110.00} through an automatic payment and I told them Saturday. However, I was told that I can call to make the other payment at any point that I am ready, but I did not appreciate this sudden harassment that my bill is two days late. I was also told previously that if I needed to make another smaller arrangement to call before the due date. I am going through hard times with the COVID-19 pandemic ( although I am on Supplemental Security Income ) and do not appreciate this harassment especially as a " spam caller. '' I know that I have the right not to give out my Social Security number to a collector, but their policy is to ask for the last four digits of the customer 's Social Security number over the phone. I do not appreciate this harassment after an agreement was made and I want to ask the company to stop all communication with me and have a heart with people on Social Security. If I got extra money, I would pay more on the principal to get my monthly bills to an affordable rate. I have the right to file for bankruptcy if this company does not want to respect my privacy by not stopping calling me. Thank you.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the XXXX XXXX XXXX account, as reported on my credit file. My review has identified significant compliance issues that fail to meet Metro 2 standards. Due to the ongoing inconsistencies in reporting, I am formally requesting the immediate deletion of this account from my credit report. 1. Inconsistent Payment Status : Equifax reports the account status as Not more than three payments past due, XXXX as 60 days past due, and XXXX as Account delinquent 60 days past due. The inconsistent reporting of the payment status across the bureaus is a blatant violation of Metro 2 standards, which mandate uniform reporting. If XXXX XXXX XXXX can not rectify this inconsistency across all bureaus, I demand the account be deleted. XXXX. Conflicting Worst Delinquency : Equifax lists the worst delinquency as 30 days past due, XXXX as 60 days past due, and XXXX shows 60 days delinquent. Such conflicting information is a failure to comply with data consistency requirements, rendering this account unverifiable. If a standard delinquency can not be provided, this account should be removed. 3. Erratic Last Activity Dates : The last activity date varies significantly, with Equifax listing it as XX/XX/year>, XXXX as XX/XX/year>, and no date reported for XXXX. This inconsistency violates the requirement for accurate, consistent reporting, and if not corrected, the account should be deleted from my report. 4. Irregular 2-Year Payment History : The payment history reflects 30 and 60-day late payments inconsistently across bureaus, with various months marked differently. The lack of uniformity in reporting payment history further violates Metro 2 standards and raises questions about the datas reliability. If XXXX XXXX XXXX can not align this payment history accurately, I request this account be removed. 5. Inconsistent Reporting of Derogatory Events : Each bureau displays different derogatory events, with Equifax showing 30-day lates in XX/XX/year>, XXXX showing a 60-day late for XX/XX/year>, and XXXX showing various derogatory statuses. This inconsistent reporting violates Metro 2 standards and calls into question the accuracy of the entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I am formally disputing the interest charges that have been applied to my account from XX/XX/XXXX which as of XX/XX/XXXX totals {$270.00} I responded to the Hilton Honors AMEX offer that I was sent for a new card with 0 % intro APR for the first 12 months. This was the primary reason why I signed up for this card knowing that I would have a larger balance on the card for the first year. 

When I got my second billing statement I noticed that I was charged interest on my balance. I contacted AMEX to dispute this and report that I was not given the offer that I initially signed up for. I was told that this was being investigated and I would hear back in 10 business days. ( reference # XXXX ) When I did not hear back, I reached out again and was told that the investigation would take an additional 1-2 weeks. When I followed up again, I was told it would be an additional 6-8 weeks to complete the investigation. 

When I contacted customer support again on XX/XX/XXXX, I was told that the investigation was concluded and they did not find any evidence that my offer included a 0 % APR for the first 12 months and that no further action would be taken. I told the representative that it clearly states this offer on the postcard I received and this was the offer that I accepted using the offer code XXXX when I signed up at XXXX. 

The representative informed me that they could not see the previous documents that I had uploaded showing this offer. 

I told the representative that I felt that this matter was not thoroughly reviewed and that the offer that I initially signed up for was not correctly applied and that I have been fraudulently charged interest over the last several months. 

The representative created a new dispute ( reference # XXXX ) to have my concern reviewed again. 

At this time, I am respectfully requesting that the interest that has been charged to my account from XX/XX/XXXX forward be credited back to my account. 

I will continue to seek a resolution on this issue until this error has been corrected and I have been credited the interest that I have been incorrectly charged. 

Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I had an auto loan through Wells Fargo who is issuing settlements to customers they had problems with loans with. Im strictly seeing if I qualify my truck was paid off a couple years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX XXXX XXXX XXXX  distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

I've been contacting Citizens Bank ( as well as XXXX ) to resolve issues pertaining to XXXX  Loan " co-signer '' release since XX/XX/XXXX. I received notice on XXXX XX/XX/XXXX ( see attached ) from XXXX stating that " Citizens-Bank owned loans as cosigner was removed effective XXXXbecause Citizens Bank approved your ( my ) request for Total and Permanent XXXX. '' As of XXXX XX/XX/XXXX, all three credit bureaus have listed accounts as past due ( XXXX ) which GREATLY impacting my credit score ( s ). I need help with getting this action resolved per their notification I received and that my credit score be corrected. Thanks for all you do.
Product: Debt collection

( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt. 
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the Equifax data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a XXXX XXXX bankruptcy in XXXX  which included ZUNTAFI ( formally known as RXXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was discharged. During court proceedings, ZUNTAFI did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was discharged. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, ZUNTAFI has reported me being 120 days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been discharged
Product: Debt collection

On XX/XX/2018 I sent Diversified Consultants a letter requesting validation on a debt that is appearing on my credit report. On XX/XX/2018 I received a 3 page response that has a two page bill from XXXX XXXX XXXX dated XX/XX/2018XX/XX/XXXXfor {$640.00} along with a letter from a Diversified Consultants that is dated XX/XX/2018. A bill is not a proper validation of debt and they are not genoriginal owners of the said debt. They also were not able to provide validation of the debt. Attached are the actual documents that were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a certified letter to Equifax on XX/XX/2023, requesting an investigation into the unauthorized hard inquiries including detailed description of all procedures used in this process to determine the complete accuracy of information reported. 

On XX/XX/2023, Equifax responded to my dispute via mail in the form of an updated credit report ( # Confirmation XXXX ) with results from the dispute stating : " Inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, DPT EDXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 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 funish a account without my written instructions 15U.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, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Mortgage

XX/XX/XXXX I entered into a fixed rate loan note with WELLS FARGO for {$35000.00}. I received the funds on XX/XX/XXXX. My first payment was due between XX/XX/XXXX through the XXXX, XXXX. During the life of the loan, the Lender changed not only the terms of the note, but also the specific details, such as the payment of {$320.00} is to be paid in equal amounts of principal and interest, which related to 1/300th of the monthly amount owed towards the principal amount of {$35000.00} loaned, with the apr in the truth and lending disclosure interest to be the same 1/300th of the total interest owed. The fixed monthly payment of {$320.00} was to be due in between the 15th of the month through the 25th with a late fee of 5 % of the monthly amount if received late. I made my payments per the terms set forth ; However, Wells Fargo, changed the terms to give them an unfair advantage, which damaged my credit, caused me financial loss at the closing of my home, and Wells Fargo completely washed their hands of any wrongdoing even though they were shown supporting proof that my payments were within the terms of my loan, and that for years they damaged my credit so deeply by changing it with the 3 bureaus practically every other month, that my insurance rates went up, credit rates, etc. to where I was not a good risk to refinance until I finally sold my home. I am still in disagreement to the amount that they demanded at closing from me ; they need to be investigated. I have for years dealt with showing proof to Wells Fargo and being told " too bad '', our investigation is right. Please allow me to share the unfair tactics, losses and deception involving this experience to date.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WAS LOOKING AT MY REPORT AND NOTICE THERE WERE SOME THINGS THAT WAS NOT CORRECT. I SENT A LETTER TO XXXX, TRANSUNION, AND XXXX ON XX/XX/year> HERE IS MY TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. IT HAS BEEN 90 DAYS SINCE THE CRA 'S HAVEN'T RESPONDED. THAT IS A VIOLATION OF 15 USC 1681i ( a ) ( 1 ) ( A ) UNDER 15 USC 1681i ( a ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( f ) AND EXCEPT AS PROVIDED IN SUBSECTION ( g ), IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OFINFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY DIRECTLY, OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE AGENCY SHALL, FREE OF CHARGE, CONDUCT REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDDANCE WITH PARAGRAPH ( 5 ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 
REMOVE THESE ACCOUNTS : 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

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts 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 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 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: Payday loan, title loan, or personal loan

currently I am out of work and have been unable to pay the loan until I get tax returns, and for their collection methods they have an automated calling system that harasses me by calling using an automated call system random phone numbers that have no indication that they belong to affirm, and if you try calling them back they don't exist. I have tried to ask them to stop calling me ( happens upwards of 3-6 times a day, despite if I picked up the last time they called ) but they say " the only way to stop it is to pay the loan '' which I believe is against the FDCPA, not to mention the fact that the calls are automated, so sometimes the call doesn't even go through.

I have been incredibly sick after getting XXXX  and these calls have been interrupting what little sleep I can get on any given day have made me miss important calls from family and even from doctors all about a small loan that I had requested time to pay and for them to stop calling. which they refuse to do because their system is built to harass their debtors relentlessly. this practice by them needs to stop. it is utter harassment, I can't just turn my phone on silent all day because I have a life outside this XXXX  debt, I have missed emergency calls because of this harassment that I can not do anything about. 

I have requested them to stop repeatedly over the past few months but no, " our system won't let us stop the calls '' the loan itself is XXXX and I have been out of my job since XXXX only able to pay a small amount at a time la XXXX $ every so often as I can get money from small work I do for my family. I have asked them to stop multiple times once immediately as soon as I realized they were going to call me every day. but again they can't stop the calls apparently which either is a big lie or a system meant to harass debtors. well if it is the first it is both ... either way these calls are harassment, full stop. 

AND THEY NEED TO STOP I have linked screenshots of the number of calls I have received by their automated call system for this past month but the number is only a small amount of the calls I have received after asking them multiple times to stop calling me the past few months. including the time that I called them today asking once again for them to stop, only to get called again after asking them to stop.