23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving calls from a private number from the same female saying she was with XXXX XXXX telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a 6-month timeframe and that if I did not make that payment, The calls started on XX/XX/2024 and I received a total of 4 calls up until XX/XX/2024. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for XXXX XXXX. If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. I believe it is a XXXX XXXX employee trying to affect a payment illegally and in violation of Federal Law.
Product: Debt collection

Records show my XXXX XXXX bankruptcy with a date of XX/XX/XXXX and its impacting my credit. Ive applied for several loans, credit cards and a refinance of my home and not letting me get these lans because of it. Its almost XXXX  years ago and it has an adverse effect to my credit score. It keeps popping up on my credit report as a negative. 
I also a XXXX XXXX  dated for XX/XX/XXXX thats negatively effecting my credit. Its also popping up as a negative on loan applications. The loan agencies Ive connected with all say the 2 issues above are connected somehow. 
Can you please help me with this matter? 
Im attaching the bankruptcy discharge, XXXX XXXX showing a zero balance. Please help me resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit bureaus for failing to accurately investigate and correct errors related to my XXXXXXXX XXXX account. The late payment history being reported does not make chronological or mathematical sense, as the dates and amounts do not align with the actual payment history of the account. Despite my requests for verification and correction, the bureaus have failed to address these discrepancies properly, leaving these inaccuracies on my report and negatively impacting my credit profile. I request immediate action to correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX XXXX Balance Owed : {$540.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One There is no valid claim, no contracts exist ... account was settled with original creditor by and there is no balance and negative payments is still being reported. I am quite appalled and indignant. ( Debts can not be collected twice ) & this has damaged my credit scores. 

Grave errorsfalse claims and reportingsI want this accounts removed or corrected immediately or litigation may follow 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 items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

GOOD SUNDAY, SIRS. CITIBANK SAID IF OPEN A CHECKING ACCOUNT BEFORE THE END OF XXXX, AND FUND IT WITHIN 30 DAYS, AND KEEPING {$50000.00} FOR 60 DAYS, THEN YOU WILL BE AWARDED {$500.00}. I OPENED ACCOUNT BEFORE THE END OF XXXX, BY XX/XX/XXXX, MAINTAIN {$50000.00} ALL THE WAY TO LAST FRIDAY. THEY DID NOT GIVE ME {$500.00}, LAST FRIDAY, I CALLED, FIRST LADY TO ANSWER THE CALL SAID SHE NEEDED TO TALK TO HER BOSS, SECOND PERSON ANSWERING THE PHONE WAS GUY, FIRST HE SAID THAT I DID NOT HAVE PROMO CODE, I SAID THE WHOLE PROMOTION NEVER MENTIONED THAT IT NEEDS A PROMO CODE, THEN HE WENT TO TALK TO HIS BOSS. A LADY BOSS TOLD ME ON THE PHONE THAT I DID NOT MAKE ANOTHER DEPOSIT IN THE CONSECUTIVE MONTH, I REPLIED THAT YOUR ADVERTISEMENT IS {$50000.00} IN THE ACCOUNT FOR 60 CALENDAR DAYS TO QUALIFY, DID NOT SAY NEED MORE THAN {$50000.00}. SHE WAS NOT ABLE TO HAVE A FAIR ARGUMENT. 
THE ADVERTISEMENT NEEDS TO BE FAIR AND SQUARE, CAN NOT SLAP ITS OWN FACE. PER BANK 'S PROMISE, THEY OWE ME {$500.00}. AND YOU BE THE JUDGE. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

According to federal law 15 USC 1681a Transunion  has repeatedly violated this law for continuing to report an alleged debt that has never been validated by the original creditor or myself. I have submitted numerous debt validation letters to the company and they provide a statement that the debt has been verified however, they have NEVER provided me the method of verification of who they spoke with from the original creditor, name, phone number. I have never verified the alleged debt from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I have two collections on my account for the same amount from the loan originator XXXX XXXX XXXX the 1st loan was an auto balance of {$5800.00} I settled with Keynote Consulting who took over charged off loan balance for {$5000.00}. Which was paid by certified cashier check # XXXX that was paid to XXXX XXXX XXXX  on XX/XX/XXXX. Now the balance sits on my credit report under XXXX  for {$830.00} which was not collection agency told me that I could settle this debt for 80 % off outstanding balance. I also paid a credit card balance that was issued by XXXX XXXX XXXX that was sold to Keynote with a balance of {$430.00} which was paid in a settlement amount on XX/XX/XXXX for {$340.00} this inaccuracies is impacting my credit and has caused me not to be able to receive open lines of credits. I have submitted a notarized letter to credit agencies with copies of paid cashier checks. I need for XXXX XXXX XXXX to update balance to XXXX and Keynote consulting collection to also update balance to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$630.00}
Product: Debt collection

This complaint concerns a medical debt that was placed on my credit report as a collection debt. XXXX XXXX placed a debt in the amount of {$3500.00} with XXXX. XXXX collection agency in error. The debt was for services received by XXXX  ( XXXX ) that was at the time covered by my first and secondary insurances. Advocate admits that they only billed and was paid by my primary insurance ( XXXX ), and failed to bill my secondary insurance ( XXXX ) for any remaining balance. The debt was incurred in XXXX. Advocate and my insurance carrier verifies that I had both primary and secondary insurance since XXXX. Advocate agreed that it was a clerical error on their part, however, the collection agency refuses to remove the debt from my credit. 

I am asking that this medical debt be removed from my credit for reason described above, and or laws regulating medical debt reported to consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$2900.00}, {$7500.00}, {$7500.00}, {$15000.00}, {$500.00}, {$3000.00}, {$2700.00}, {$1500.00}, {$30000.00}, {$18000.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2700.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests via phone and mail to access my report online with Experian. Attached is my social security card, drivers license, and bank statement with proof of my address. 

I can not access my report online and no creditors can access/pull my credit report for potential credit.
Product: Student loan

Navient had added late fees to my account, dating back, supposedly, from XXXX. Each month a bill was sent, there were no fees and I paid what my bill stated. I paid on time, and then suddenly I had late fees on my account. I looked back over my entire payment history, and a late fee from XXXX had been paid, but somehow was assessed. There had been no other late fees after that. I raised my concern with a customer service rep, and when she said she could not help, I asked to speak with a supervisor. The supervisor never picked up my call, and instead left the customer service rep to deal with my complaint. I asked multiple times to speak with a supervisor, and after each request she went to try and reach her supervisor. The supervisor never took my call.
Product: Credit card

On XX/XX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XX/XX/2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to collection company, because the case was resolved in my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau. After contacting the CFPB, the bank returned my money, just to bill me again on XX/XX/XXXX for the same amount with a pretext that I did not provide them with sufficient evidence to receive that return.
Product: Credit reporting or other personal consumer reports

I have been affected by a long term issue with A data breech & identity related issues. Some of the issues involve other incidences that are too private to share. 
Im a victim of identity theft. please delete the following information according to FCRA 605B 15 USC 1681. XXXX is required to delete all information in XXXX days. I am submitting this information of items requested here, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report associated with 15 USC 16c-2. The inquiries listed were not authorized by me and are negatively impacting my credit score.
Product: Credit card or prepaid card

I been having 2+ years problem with getting refund for flights bought on XXXX for XXXX XXXX XXXX. In summary what I need from Capitalone is statements from 2020 XXXX to XXXX sent to me electronically at XXXX. I looked at website but available statements do NOT go back to 2020 Please send electronically in letter to me thru this portal of email Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please review my credit report. I noticed the creditors are not cooperating with the request I need for the inaccurate items on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX XXXX XXXX ( creditor ). The creditor 's information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : XXXX. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt. 
XXXX. Inaccurate information : The debt amount/account status is incorrect. 

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : XXXX Immediate cessation of collection activities. 
XXXX. Validation of the debt, including original contract/agreement. 
XXXX. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

Sincerely, XXXX XXXX XXXX : XXXX
Product: Student loan

Mohela is holding receipt of a check without applying to my account. In some cases up to XXXX weeks causing me to aquire more interest in my principal.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report, which violates 15 USC 1681b ( c ) ( 2 ). This incorrect information is damaging my credit score. Kindly remove all such entries.