23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have contacted XXXX multiple times through phone calls and certified letters in order to resolve accounts that have been reporting incorrectly on my credit report. In order to resolve the issue I have asked XXXX for verification and how they verified said accounts. The FCRA states they have 15 days to do this, in which they have also failed. There have also been many discrepancies with the falsely reporting accounts such as balances on closed accounts, accounts that do not show up on other reports, for the accounts that are reflected on other credit bureaus they have discrepancies on the open and close date. There have also been inquiries reporting in which I did not authorize. I have also called and written letters regarding this as well. The said accounts/inquiries are listed below : Accounts XXXX XXXX XXXX Account number : XXXX -XXXX Account number : XXXX -XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX CO XXXX XXXX XXXX XXXX XX/XX/2021 Equifax I have the same complaints regarding Equifax, the accounts and inquiries are listed below : Accounts : -XXXX Account Number : XXXX -XXXX XXXX  Account Number : XXXX -XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : EQUIFAX MORTGAGE SERVICES request by XXXX XXXXXXXX XXXX XX/XX/2021 EQUIFAX MORTGAGE SERVICES request by XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize. 


According to 15 USC 1681- it is defamation to my character and livelihood.
Product: Credit card or prepaid card

I have a Bank of America cash rewards credit card. I maxed our my credit limit ( {$1500.00} out of XXXX ) and missed a payment on XX/XX/XXXX. I recently have gone through financial hardship and been trying my best to pay all my payments on time. My Step Father is a XXXX XXXX and he had to quit his job due to XXXX  on his feet, XXXX, XXXX XXXX, and XXXX XXXX XXXX. He's not in a healthy physical condition to work for the rest of his life. Now it's my job to take his place. I'm only XXXX years old and I'm taking care of my family, paying bills, working, and running a business all at the same time. However, I got a new job ( XXXX ) with a company ( XXXX XXXX ) that's paying me XXXX/hour and now I'm financially stable. I've had 1 year, 1 month of on time payments with Bank of America would you guys be able to forgive me and allow me to show you that I am a responsible person this was just unfortunate. This will be my first and last negative remark on my credit card from now on. I'm going to pay off my credit card this week so by next month I'm back to square one. Thank you for understanding.
Product: Payday loan, title loan, personal loan, or advance loan

Due to NETCREDIT 's high fees, which surprised me, I decided that they were engaged in predatory lending. Consequently, I asked them to close my account and offered a settlement to pay off the balance, which I provided below. They refused and now have added more fees and have notified me I am in their Collection Process. 

NETCREDIT Net Credit balance {XXXX I have decided that you are predatory lender. Thus, as of today I offer my terms to close and pay off balances as shown above at {$3600.00}. 

I will allow myself 24 months to pay off the above balance as stated above. I will not pay anymore Fees, Late Charges or interests. Above is the fixed amount I will pay. 


XXXX XXXX : I will pay monthly {$150.00}. XXXX XXXX XXXX XXXX Disqualifying factors to above terms will be Reports to Credit Bureaus XXXX Collection agencies, any form of harassment, which will mean no agreement and my payments will not start or will end on the day I find you have reported such to the either Credit Bureas or collection companies. Again, the balance at XXXX is fixed repayment to be paid. 

If no agreement or reports to as listed above. I will manage whatever move you decide to take but I will not pay until the courts decide, if that is your choice. 

I see numerous complaints and court fillings on you and am confident that a legal route could be of more benefit is to me but then this would be in the hands of the court. 

Again, I have decided you are a predatory lender and my terms to deal with you are as stated above. 

Consequently, close my account. Advise within 14 days of your decision. If you agree to the terms then I will set up direct deposit with Payment above to you as listed above. 

If no agreement then I will then I will stop payments all together, forever, and begin to prepare for whatever decision you have chosen outside of what I list above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX, I received a phone call from XXXX XXXX from Worldwide Recoveries, asking for my address and threatened to take me to civil court for a debt I owed in XX/XX/XXXX.A also threatened to serve me with court papers at my job. I asked him to call me later because i was at work. he continue to be persistent on setting up a payment without the ability to provide me with details of this debt in writing. He could not mail me details pertaining to this " debt '' i owed and seemed to be in a rush to receive an agreement to settle. I told him I need to review with my lawyer and call him back. He demanded that I need to respond within a few days or I will be sued in civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo make it impossible to pay.. I paid the. Several days ago cause and the refuse to take there money it took me 6 plus months to be able to log in to my account so I could see statements never mailed me any bills call them to try to fix these bugs due and they just transfer you around.. and now they reporting late on my credit report cause they will send a bill or let me pay
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unresolved issue of fraudulent items on my account, despite many attempts to address it. 

The presence of these fraudulent items not only jeopardizes my financial security but also undermines my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I understand that resolving such matters can take time, but the prolonged delay and lack of communication are unacceptable. Therefore, I request an immediate update on the status of my case and a clear timeline for when I can expect the fraudulent items to be removed from my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Payday loan

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma XXXX XXXX XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Product: Credit card or prepaid card

I have spoken with support online with Best Buy Credit Card services and over the phone to try and negotiate a lower interest rate as mine is 26 %. They have refused to help me in any way. I always make my payments on time and I have been a member of their credit card company for at least 6 years. I feel I deserve a change to have my interest rate lowered. I do n't feel valued at all.
Product: Debt collection

I was contected by Blackwater Capital Group sometime in winter/spring of 2017 in regards to an outstanding payday loan. This company called me at work and I returned the phone call immediately and asked them not to call my job ever again. I did not recall having this debt but I proceeded to make payment arrangements to avoid more problems with the debt. I made automatic payments every other week but I cancelled my debit card at the beginning of XXXX due to fraud issues. I spoke to XXXX XXXX and told him I would contact him soon to rearrange payments. 2 weeks went by and he has called me at work at least 5 times and the worst thing is that he contacted my ex domestic partner whom I have n't spoke to in 4 years and left a message in her cell phone describing my debt. I do not wish to be contacted by this company anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2009, I graduated from XXXX XXXX XXXX XXXX XXXX. I earned XXXX Degree of XXXX XXXX, which is a four year degree. This institution double billed me. This school also is affiliated with a XXXX school called XXXX XXXX University. They double billed me for both schools, even though I never attended XXXX school. A couple of months ago, I applied for a loan and found out that much of the information in my credit report is incorrect. When I filed a previous Consumer Protection Complaint, the loan servicer falsely claimed to CFPB that I withdrew from XXXX school. I am paying for loans I never received. I never attended or withdrew from XXXX XXXX University for XXXX. It appears that these two educational institutions defrauded me when they charged me and billed me twice. They received so much federal funds which I never saw or received.
Product: Debt collection

I've requested in the past - by phone as they refused to email so I have documentation - my proof of debt. 

I'd like to know what information exactly was shared with the collection company that keeps calling me every day ( once to twice daily ) and has sent me mail that very vaguely says they're going to sue me if I don't start putting up some money. 

This company asked - after I explicitly stated I couldn't pay anything as I was broke and unemployed and requested they leave me alone at XXXX XXXX on a XXXX in XXXX  - if I could pay half of my debt right then. 

I'd like to repeat, I asked them to stop calling and they haven't, their litigation mail came out as threatening to sue me if I didn't start paying, I can't get verification of my debt despite having requested it by phone - and they don't respond to emails, so I have no way of proving I ever asked.
Product: Credit card or prepaid card

Due to the fact that Citibank is not responding to my requests I am requesting your help in forcing Citibank to resolve this issue : I am writing to dispute two charges to my Double Cash credit card account ending in XXXX. Both of these fraudulent charges were posted originally on my earlier Double Cash card account in XX/XX/2021. I called Citibank and the party that posted the charges and reported the fraud in either XXXX or XXXX. The party that made the charges told me to report it to Citibank. I was told by Citibank at the time that the charges would be removed and that I would be issued a new card and the card that I had at the time would be closed. I no longer have that credit card number and that card was destroyed when I reported the fraud. I received the new card ending in XXXX in XXXX and began to use it. I then noticed that the two charges disputed on the earlier card were re-posted to the new account. I called to report this in XXXX. 

I was told that I would have to wait for a letter from Citibank and was instructed to call back after I received the letter. The letter never arrived. I called several times since then asking for help. Each time I was told that another letter was being sent. I have received no letters from Citibank. My mailing address is correct and I am receiving other mail addressed to it. This leads me to believe that either no letters have been sent to me by Citibank or they are being mailed to an incorrect address. 

No one at Citibank will give me any information about my account over the phone. I am stuck in limbo with no help from Citibank. I now have a bill that only has the fraud charges unpaid on it. I am not sending payment as part of the credit card agreement is that I would never have to pay for unauthorized charges to the credit card. I reported the fraud promptly and was told that the charges would be removed from my account. To date they have not been removed. I have been an exemplary Citibank customer and have paid every statement on time up until now. I will not pay for these fraudulent charges ; they are the only outstanding amounts unpaid on my account. 

The XXXX disputed charges are fraudulent and not made by me : XX/XX/202XXXX XXXX  XXXX XXXX XXXX XXXX Account Number XXXX {$5800.00} and XX/XX/2021 SXXXX XXXX XXXX XXXX XXXX Account Number XXXX {$10.00} I have already paid Citibank for all charges that I made to this account. The account should have a XXXX balance. 

I am requesting that Citibank remove the fraudulent charges from my account, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I also request that any negative credit report related to non-payment of these fraudulent charges be removed from any credit reporting agency. Thank you. 

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

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 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. 

NO Name Medical Account # : XXXX *** Account Type : XXXX *** Account Type - XXXX Detail : **** XXXX Account # : Medical ccount # : Account Type : Account # : Medical medical XXXX *** XXXX **** XXXX **** XXXX XXXX **** XXXX **** XXXX *** XXXX **** XXXX **** XXXX * Theses accounts are inaccurate
Product: Credit reporting or other personal consumer reports

This debt is an absolute violation of contract! The owner of " XXXX XXXX XXXX '' sold me a lemon, and then stole everybody 's warranty money in the middle of the night, including mine, instead of paying them to the warranty company, as well as all of the titles to every car sold in a given period of time, and fled to the XXXX. Shortly after the authorities contacted me, I was added to a class action lawsuit, and then my head gasket blew, making my car a paper weight, so It ended up in a scrap yard as far as I know. So they violated the contract which they themselves setup with the bank, and according to the lawsuit, I am not responsible for the debt. I disputed it with TransUnion and I sent them a letter from the credit union releasing their interest in it because they couldn't get a title for some reason, didn't want the car back due to the engine being blown and they just wrote it off on their taxes, and I sent them my fraud report filing with the FTC and TransUnion still claims that it is a valid debt, which it is absolutely NOT. Thanks for your help.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, NUMBER : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter with return receipt to Collins Asset Group in XX/XX/2018 upon noticing that this company had begun reporting this entry on my credit reports. In my initial request to this company, I requested that they provide the date this alleged debt became payable, the original delinquency date as well as a complete accounting of the alleged account. In the letter I received from this 3rd party collection company was a mere dunning letter. This company never sent me a dunning letter nor have I ever received any communication from them regarding this alleged debt. By Collins Asset Group not allowing me 30 days to respond to dispute the validity of the account entry, is a blatant violation of my consumer rights. 

Further, if this company is able to provide a document that bore signatures and is a contract, why is the contract not listed as an RIC? Where is the copy of the contract proving I entered into an agreement with Collins Asset Group? Where is the proof or dunning letter that they should have sent me prior to inserting this account on my credit reports negligently? This account is inaccurate, unverifiable and erroneous and should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS.
Product: Checking or savings account

Truist rewards were not posted to my Truist checking account according to their contractual obligation. On Monday, XX/XX/2022 I initiated a rewards transfer of cash to my checking account. The Truist system auto-generated a response that the cash would be available in my checking account by XXXX the next business day ( XX/XX/2022 ). Today is XX/XX/2022 and the rewards have not yet posted. I contacted Truist twice and I was told " Leadership is aware of this problem and is working to rectify it. '' Meanwhile, I made commitments to pay my bills from my checking account based on the Truist response that funds would be available by Tuesday, XX/XX/2022. Now I can not fulfill my obligations. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter and placed a call to Trans union on XX/XX/XXXX to dispute some errors on my credit report ... .the operators whom answer their XXXX are all located outside the XXXX XXXX their language skills on comprehension of the English Language are not the best and today i receive a letter saying they had put a fraud alert on my credit, when i ask for this to be removed via phone and via letter As well for the inquire XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies to be removed since i had not done, Both were follow up with a letter, nothing got done, the credit bureaus are not following the law and doing what ever they want.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX TO wHOM IT MAY CONCERN, I am having isues with addresses that do not belong to me showing up on my credit report. the folllowing address do not belong to me. Please delete inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CT XXXX I would like my name and information to be remove from any and all promotional ad and insurance offers. Please OPT ME OUT. AND SEND ME A NEW UPDAYE CREDIT REPORT.