23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

Fortiva XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been sending me collections notices. The collection has been reported as charged off.I do not know this company. 
I have never done any business with this company. This company does not a contract with my signature
Product: Payday loan, title loan, personal loan, or advance loan

First of all, I do not like to complain or stir up any problems but am scared what I have been threatened with from a loan company named check-n-go and do not know where to turn. I took this loan out last year and then fell into a hardship. I have since became XXXX, lost my home and had to separate with my husband. 

I received a voicemail from a gentleman named XXXX XXXX on XX/XX/XXXX in regards to that same loan. I tried calling back to speak with someone to see what could possibly be done because my uncle received a call as well not to long ago threatening legal action against me. 

When I called the phone number back, XXXX I spoke to a lady named XXXX XXXX. She stated to me that they are currently filing a case against me with three allegations. She states that I had committed fraud and would be in trouble or for writing bad checks. She stated that this would hurt me forever. She asked me if I wanted to say anything to explain myself. I was extremely nervous and frightened and did not know what to say but asked her how I could stop this from happening to me. She said I would need to come up with money immediately. 

I did not have any money but out of fear told her I may be able to come up with something tomorrow but would be very little to buy myself some time. She asked me if I was working and I explain that I am not but I am currently looking for work. She stated that if I put {$210.00} down it would put the case on hold, and then I would need to pay {$130.00} a week. Not knowing what to say to her, I told her I would have to call her back. She said that if I hang up the phone, the case proceeds and that I may not have the chance to fix it. I asked her if she could give me until Friday and she said that she couldnt make any promises. Obviously there is was nothing I could do at the moment and I have been extremely scared. 

Since this phone call, my child and I have moved in with my parents and have been scared to leave the house due to fear of having any legal issues. I spoke with my father because he did not understand why I have been so scared and I explained to him the situation I am facing. He stated to contact the CFPB because I should not be threatened by this company and hopefully this would stop them from doing this to someone else. 

I am well aware of my obligations and as soon as I get back working, I will try to pay what I can.
Product: Debt collection

A collector named XXXX XXXX has contacted me during the hours I sleep for work after asking her not to. I work night shift. She has also contacted my husband 2-3 times at his place of employment. I have asked her to stop and so has he. She however continues with phonecalls and does not identify herself when calling and will not leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reduced my credit rating by 74 point on XX/XX/17. I pulled my credit report with transunion and found there was no apparent reason for my credit score to be reduced by 74 points. When I called Transunion they had no explanation but did say that the score they had was different that the one I received through XXXX XXXX, XXXX XXXX and XXXX XXXX. They tried to sell me my credit report again but refused to tell me what the different score they had was. I explained to them that I had a recent copy of my Transunion credit report and could find no negative information that should affect my score by 74 point. and that if they had any negative information that would have caused the 74 point drop in my Transunion score that They needed to make me aware of it so that I had the opportunity to contest the information. They are refusing to be transparent in their reasoning for reducing my credit score by 74 points in one day, nor will they provide me with the " different '' score they claim to have, They are also refusing my the opportunity to challenge any inaccurate information on my report that may have contributed to the sudden significant drop in my credit rating.
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS VIOLATED MY RIGHTS UNDER THE FCRA AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE PROVIDED A COPY OF MY IDENTITY THEFT AFFIDAVIT, REQUEST TO BLOCK FRAUDULENT ITEMS, AND A COPY OF MY POLICE REPORT, FILED WITH THE XXXX POLICE DEPARTMENT, AS A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS HAVE ALREADY BEEN REMOVED BY XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from Sun Trust advising me that a hold had been placed on the new account that I had opened online because the amount of the check submitted was very high and it is their policy to put a hold on it. On XX/XX/XXXX, I went to the local Sun Trust branch to alert them that I had not opened this account and that someone was using my identity to open the account. A lady named XXXX ( at the bank ) alerted the Sun Trust fraud department ; she assured me it would be taken care of. 
Since that day, I have continued to receive communication from Sun Trust telling me that a fee of {$12.00} has been placed on the account because of the fraudulent check submitted when opening the account. I have spoken with Sun Trust five times about this issue and I am continually told that it is being taken care of ; however, the letters still come. The notice sent to me dated XX/XX/XXXX, contains a threat that if I do not pay the XXXX fee, they may report this to check reporting agencies which may impact my relationship with other banks. My credit is excellent and Sun Trust bank is threatening that. I have included communication I have received from Sun Trust. You will see they are ignoring the reality of identity fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filing this complaint regarding a collection account listed on my credit report by [ CREDIT COLLECTION SERVIC on behalf of the XXXX XXXX. By law, the original creditor is required to issue a Form 1099-C if a debt has been canceled or written off as a loss. I have not received this documentation, nor has the collection agency provided any evidence that they have a legal right to collect on this debt. Despite my attempts to request validation and supporting documentation, they have failed to comply, leaving the debt unverifiable and incorrectly reported on my credit file. I am requesting the CFPB 's assistance in resolving this matter and ensuring compliance with federal and state laws.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts : XXXX # XXXX XXXX XXXX ( Original Creditor : 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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. 

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!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  # XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been trying to get an issue resolved with Citi since XX/XX/XXXX ( today is XX/XX/20 ) to dispute several credit card charges. It has been nothing less than a nightmare dealing with Citi. I have spent many hours on hold, getting hung up on, given the wrong number and trying to use their chat feature to get no response or get a response from chat in the wee hours of the morning when I was not even available. When initially calling Citi their 800 # wouldn't even route you to a real person it would immediately route you to the automated system if you were lucky or it would hang up on you. I have asked to speak to supervisors and have been told they won't be able to call me back for weeks so just try calling back at another time. This has been a horrible experience. I have been with Citi for many years and have been a great customer and this is the treatment a loyal customer receives? I am a part of a XXXX group with many members who have Citi credit cards and their experience has been quite the same or worse. All over social media Citi is telling the world what they are doing for COVID-19 but won't even help existing customers. This has been so frustrating and I have been patient in trying to resolve this issue through them but it is basically impossible when they won't return calls, disconnect me or flat out just won't listen. I have also field a complaint with my Attorney General and will be filing a complaint with the NY Attorney General soon. Any assistance you could offer would be greatly appreciated. Please know I am NOT the only person this is happening to ... check Citi 's XXXX page for all customer complaints as many many customers are experiencing these same issues. I can be reached at XXXX should you need to speak to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act U.S. Bankruptcy Court Account # 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: Credit reporting or other personal consumer reports

Multiple letters sent to Experian for disputing inaccurate reporting on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, Omega RMS {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have 2 collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

1- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MA XXXX XXXX XXXX  Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXX XXXX XXXX. 
XXXX XXXX XXXX Acct # - XXXX
Product: Debt collection

Credit burea is placung my family in danger. Fairways contine to report false socumentation of rebt owed. By doing this all XXXX credit burea is placing my family life in danger due to denail from rental applicatin check.
Product: Debt collection

I sent a letter over a month ago requesting validation of the debt but have yet to hear back anything from the company. I even called ( XXXX ) XXXX to speak to a live representative, however, was unable to ever reach anyone in the correct department. I am requesting a deletion of the account in order to deal with the original creditor directly to clean up my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still Reporting monthly that Im late on my loan payment. My loan payment ended 2 years ago and they are still reporting balanced owed. Have asked for verification and nothing has been sent. Have requested it to removed off my credit report and they update balance by XXXX to keep it on my credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries Due to Identity Theft Dear Experian, XXXX, and XXXX, I am writing to formally dispute all unauthorized inquiries listed on my credit report as a result of identity theft. I did not authorize these inquiries or any applications for credit that led to them. 

The details of my dispute are as follows : These inquiries are fraudulent and have negatively impacted my credit score. 

I kindly request that you remove all unauthorized inquiries from my credit report immediately. 

I also request that you block any future fraudulent activities from being associated with my credit file by placing a fraud alert or security freeze, as necessary. 

Please confirm in writing when the unauthorized inquiries have been removed. I can be reached at [ XXXX ] or [ XXXX ] if you require any additional information to process my dispute. 

Thank you for your prompt attention to this matter.