23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Communication was asked for via their call center request for payment by XXXX, on several occasions I've since changed phones, I'd like to have call records to my phone by XXXX  on behalf of XXXX, I was committed to setting up a agreement, but I need proof of purchase and what and how it was purchased? One thing I learned is the deceptive manner at time of using credit or direct payment, I primarily thought I was paying by bank account, statements were not by paper as they charge for this so I was XXXX at work, had major XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  for several months under XXXX XXXX XXXX, shortly after was divorced, I believe I was taken advantage of in my time of disparage, thus I sought help to figure out how, what, when debt occurred, I don't think this is unreasonable, especially being a XXXX  with XXXX XXXX I've been with XXXX for years never had an issue, but increasingly upping interest rates make it impossible to pay initial loan, loan sharks come to mind?
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting an investigation. 

Account Name : XXXX XXXX XXXX/ XXXX Account # : XXXX
Product: Checking or savings account

My name is XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX. My account was closed by Wells Fargo bank without my permission and I still have {$3900.00} inside the account. The bank does not allow me to take the money out because they claimed that " I am not the owner of the account. '' In fact, I am the owner and they did not allow me to prove my identity at all. All they said was " you can not get your money back. '' The bank said that I was the one stating on the phone while talking to the specialist that " the account is not mine '' even though I have never said that ; I have never even mentioned the account at all while on the line. There are definitely recordings of the phone-calls in their files to be checked if you want to further prove of what I stated above. I want to get my money back. My case number is XXXX ( Wells Fargo Bank ).
Product: Debt collection

During my purchase of my home in 2017 I had a collection from XXXX XXXX from XX/XX/XXXX Acct # XXXX I paid it in full and received a letter from Commercial Trade INC stating it was paid and removed, shortly after CTB added a new account from XXXX XXXX effective XX/XX/2017 a month after I paid my account. The new amount is for {$1500.00} stating I owe more. I have proof on my credit reports and the letter that I never owed CTB or XXXX XXXX  this amount and that my collections from them was paid and removed. I tried to talk to CTB several times they have belittled my requests and hung up on me.
Product: Checking or savings account

I deposited {$8000.00} from my XXXX savings account as they were charging me monthly fees, so canceling that account and deposited the amount directly to my Capital One 360 Money Market account, see transaction below. 

XX/XX/XXXX Preauthorized Deposit from checking account XXXX Transfer {$8000.00} {$41000.00} Capital One is refusing to remove the hold and show the true amount in the account. Either do it, or I will cancel and pully everything from this bank, like I did XXXX and XXXX and bank elsewhere. 

I will not stand for the bank holding on to my money when it was a bank to bank transfer and not a check to hold on too!
Product: Debt collection

XXXX XXXX XXXX NCB Management Service XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Dispute started in the spring of XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XXXX. First by sending it to the collection XXXX XXXX in the spring of XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency Southwest Credit. Again my credit score was lowered and now I am disputing this unreasonable charge with them and Southwest Credit. At this time XXXX and XXXX  have again agreed to remove the report, but for whatever reason XXXX is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with XXXX. I have also told Southwest Credit I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, XXXX, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with Southwest Credit, XXXX is dragging their feet and Southwest Credit will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.
Product: Credit reporting 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 XXXXXXXX, 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: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report. As a recent victim of a data breach, I am entitled to these protections under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts were fraudulently opened in my name and should be removed from my credit file : 1XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$2700.00} XXXX XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$860.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiry from my credit file : XXXX XXXX  Dated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new updated information and concerns about Equifax response and procedures of my consumer reports! 

On XX/XX/2022 Equifax determined that my alleged hard inquires were factual/verified I need Equifax to describe the procedures used to determine the alleged verified hard inquiries on my consumer reportIf Equifax cant describe what procedures and methods was used to verified these alleged hard inquiries, I DEMAND Equifax to remove all of the verified inquiries pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681i ( a ) ( 6 ) ( B ) ( iii )
Product: Debt collection

XXXX, I went into the store and try to reach. Give them their phone back. They said it was free. They didn't want it after year now. They try to put on my credit report. I did a XXXX XXXX XXXX And I'm trying to build my credit up. I don't need them to destroy. I still have their phone in the box brand new. I have tried XXXX XXXX send this phone back to their warehouse and they have not replied.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a repossession from XXXX XXXX XXXX XXXXXXXX account that is reported only on my Experian credit report, while it does not appear on XXXX or XXXX. The last reported activity was in XX/XX/year>, and I believe this account has either been inaccurately reported or should have been removed as its outdated. 
Despite this account being marked as resolved/paid or no longer valid, it is still listed on Experian. I request that Experian update their records to remove this account due to its outdated nature or the fact that it has been resolved. 

I ask that the CFPB Please investigate this issue and provide confirmation of the removal of this account from my Experian credit report.
Product: Debt collection

Continuously receiving calls from debt collector. Presumably LTD Financial. Not sure because I will not give any personal info over the phone and they can not discuss unless I verify personal info. I have repeatedly asked them to STOP calling me and send written correspondence only. I have blocked every number they call from, they just call from a different number. I also stated I am on the Do Not Call Registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid on time my lease car and XXXX report payment late.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had a hard inquiry removed off my XXXX credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past XXXXwo years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX XXXX  People at certain score level and I can prove it.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed some unverified and inaccurate items that i seen on my report with experian. I haven't gotten any paperwork verifying this issue as of yet. please assist me in this matter cause its causing me great grief and stopping me from getting a house
Product: Credit card or prepaid card

I have XXXX XXXX XXXX card through XXXX XXXX. I took advantage of a no fee, no interest balance transfer, However, they are now charging me a " minimum interest charge '' of {$2.00} per month. When I inquired about the charge, they claimed it was a finance charge and not interest. However, there is nowhere on the bill that refers to a finance charge. Then they claimed the charge was for additional purchases on the card. When I pointed out that I paid any additional purchases before the due date, and even made an additional payment of {$500.00} over the amount if new purchases, they changed there story to say is again a finance charge. 

I know this is a small amount of money, but if they are charging this to every customer who took advantage of this " free '' offer, they stand to make a huge profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety.I have no knowledge of this company or alleged debt. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Debt collection

Toyota has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. 

I have sent Toyota several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

Toyota has Re-Aged this account Toyota states this Account was opened on XX/XX/XXXX Toyota states this Account was Charged off on XX/XX/XXXX, Payment history reported by Toyota to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} Toyota has continued to re-Age this account and report Major Inaccuracies. 
I am requesting that this account be deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX Do Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 My credit was run twice, once through VW Credit ( My lender on my car loan ) and once by the dealership ( XXXX XXXX ) I called VW Credit and they were not properly able to explain why the dealership had run my credit even though they were not my lender. This dealership also completely manipulated the buying process for me in which I will be creating a separate complaint.
Product: Credit reporting

I had an account in collections with XXXX XXXX XXXX. I paid this account off as of XX/XX/XXXX. I saw this was still being listed as an open, negligent account on Equifax and started the Process of disputing the information as of XX/XX/XXXX. ( original dispute # XXXX ). On XX/XX/XXXX Equifax closed the dispute and did not update the information and stated that XXXX was validating the information on my report. I spoke to XXXX many times to confirm the account was in fact paid in full and they have sent multiple letters stating the account is resolved. I am in the process of trying to purchase my first home and this is still an ongoing issue. I opened another dispute on XX/XX/XXXX, ( XXXX ) and on XX/XX/XXXX Equifax again confirmed that the information was correct and closed the dispute. I spoke to XXXX again and received a copy of the Universal Data Form which states all my account information and confirms that the account has been paid in full and is now closed. I filed another dispute with Equifax on XX/XX/XXXX ( XXXX ) and supplied the UDF. XXXX responded to the dispute today, XX/XX/XXXX and also resubmitted my updated information to Equifax ( control # XXXX ). I was told by Equifax that this information is electronic and will be automatically reflected on my credit report once XXXX submits it. Now Equifax is still saying they have not received anything stating that my account has been paid in full. Their negligence is hurting my credit score and my ability to purchase my first home and I have been relentless in trying to get it resolved, and I feel helpless.
Product: Debt collection

Hey recently as of today XX/XX/year> I've received mail about a XXXX  debt collection of {$93.00} that shouldn't be charged to my name but to the Workers Comp insurance that handled my case. Please contact me asap so when can resolve this situation and not damage my credit.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. 

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation. 

Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your attention to this issue. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I had a change in income coming into the house and have been struggling just to pay rent and utilities so fell behind on some things and this one particular loan company had told a reference that if I did not contact them today that they would send a warrant for my arrest which is embarrassing and illegal and they should not be discussing my financial problems with someone else or threatening to have someone arrested due to non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from Discover with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with discover, and I am not an authorized user on an account with discover. Please assist and remove.