23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX I applied for a personal loan with Citizens bank after receiving a pre-qualified offer. I was approved for XXXX but, after being persuaded to seek a lesser amount by my Citizens representative, applied for XXXX. A hard inquiry was placed on my credit report and I was approved for the loan. The next day I was a lsked to send documents to an email address, which I did however after I receive no response for a few days I called to confirm the receipt of said documents. We got to the point where I was told I had been given the wrong email address and the representative provided me with the correct email address. Not only did this delay the processing of my application but also put my personal information at risk. I resent the documents on XX/XX/XXXX and received an email notification on XX/XX/XXXX confirming the receipt. No further communication was put forth to me from Citizens Bank until XX/XX/XXXX when I called them. I was informed that less than 24 hours after the documents had been received on the XXXX they had processed a decline because they had not received the information. When I spoke to a manager the story was changed to they could not verify some part of the information. They were not able to tell me which part if my information was problematic just that the only way to reconsider the application was to fill out a new application and have a new hard inquiry put on my credit report once again. This whole experience had been misleading and the fact that I was given the wrong email address to send personal information to is grossly unprofessional and alarming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting a debt on my credit file that I do not owe. I recent checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.
Product: Mortgage

My mortgage company charged me a monthly fee for a service I was unaware of and hide it under " other. '' I had no idea that I paid {$37.00} for 10 years for a service I never authorized until I got a form in the mail. When I called the home warranty group that sent me the form, I told them I did not have a contract with them. They said my mortgage company had indeed been taking my money for the contract since I signed for my house. I sent XXXX letters to the Mortgage company and they said I was given it at closing. I checked my closing papers and I did not buy a home warranty. The seller bought one for me. I did not sign up for the service. I sent HSBC a copy of my closing contract and asked for the 10 years of fees to be reimbursed. I never once asked for the home warranty and I did not use it because I did know I had it. They have not answer my letter I sent 6 weeks ago. I want my 10 years of paying for a service money back and it was a faudulant activity on HSBC 's part
Product: Debt collection

This collection was removed from my credit report and has now reappeared with no knowledge as to why. Also I have not received the response from my previous complaint or the purchase agreement that was requested on their right to collect the debt. A list of charges does not verify debt is mine and that I owe this company that is not the original creditor. 

15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Product: Credit card or prepaid card

on XX/XX/XXXX or XX/XX/XXXX I received a " Fraud Alert '' text on my phone for my CitBank Credit Card I immediately responded that this was not made by myself or my wife the card was immediately canceled and another card was issued unfortunately the perpetrators charged {$960.00} on XXXX trips and XXXX eats from XX/XX/XXXX to XX/XX/XXXX in XXXX XXXX, California My wife and did not make any of these purchases, and reported it to Citibank Citibank transferred me to their fraud department in which we answered all their questions. They told me I must pay the transactions and later they will reimburse me once the investigation is completed. 
I then received a letter stating they find me liable for all the transactions. 
I then disputed it again and they said they needed further questions. I answered all of their questions and tried to supply more information, but they only wanted their s specific information. 
I then received a second letter that since the credit cards were in my possession, that I am responsible for the {$960.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity and opened a XXXX credit card account with it. They are using my former address and my personal information to sustain the account. They have defaulted on many payments, and this has negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years, but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00}
Product: Debt collection

AAMS LLC is not only reporting an account that hasnt been legally validated but they are also inaccurately reporting the account to the credit bureaus which is false and misleading reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the credit item under 15 USC 1861 A6 and A7. My legal name is solely XXXX XXXX, not XXXX XXXX. Experian 's refusal to address this issue violates legal standards. Relevant laws must be applied, with emphasis on CFPB regulations. 

Account : XXXX XXXX XXXX  XXXX Account XXXX : XXXX Type : Credit card Opened : XX/XX/XXXX Status : Charged off, {$4500.00} written off, {$4500.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$4500.00} Last Balance Update : XX/XX/XXXX Limit : {$4000.00} Highest Balance : {$4500.00} On Record : Until XX/XX/XXXX Account XXXX XXXX XXXX  Account Number : XXXX Type : - Responsibility : Individual Opened : XX/XX/XXXX Status : No status Status Update : - Balance : - Last Balance Update : - Highest Balance : - Terms : - Account : CREDIT MANAGEMENT, XXXX Account Number : XXXX Type : Collection Responsibility : Individual Opened : XX/XX/XXXX Status : Collection account, {$400.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$400.00} Last Balance Update : XX/XX/XXXX Original Balance : {$400.00} Highest Balance : - Terms : 1 Month On Record : Until XX/XX/XXXX Experian 's obstruction of resolution contradicts legal obligations. Action within CFPB guidelines is imperative.
Product: Debt collection

Convergent Outsourcing Incorporated has been relentlessly harassing me with debt collection phone calls for the past few months. They have been using deceptive tactics to harass me such as using an VOIP number to spoof the local area code of the harassment victims number. Also when questioned, they will not divulge they are a collection agency on the phone.I would like to sue Convergent Outsourcing Inc. for the maximum {$1500.00} per harassing phone call made to this number. They are attempting to trick me into making a payment on old zombie debt years passed the Statute Of Limitations in order to reset the SOL making old zombie debt legally actionable again. I am aware of my rights and the laws regarding debt past the Statute Of Limitation and I WILL NOT be making any payments now or ever on old zombie debt past the SOL. I am requesting that Convergent Outsourcing Incorporated Cease and desist any and all attempt to contact me again or make any further collection attempts on the account associated with the phone number listed above.
Product: Debt collection

I am disputing the debt referenced in your correspondence because I believe that the actions taken in connection with this debt may be in violation of 15 U.S.C. 1692f ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, this statute prohibits the use of unfair practices such as the unlawful repossession or wrongful sale of property, or the use of other means to collect a debt that may not be legally owed or has been transferred improperly. In this case, I believe that the sale or collection efforts concerning this debt may have been conducted in violation of this provision, and I respectfully request a full review of the actions taken, including verification of the debts validity and proper transfer.
Product: Debt collection

On XX/XX/20 I ran my credit report since I am in the process of purchasing a home and realized that there was a debt by Conrad Credit Corp XXXX XXXX XXXX XXXX, XXXX, CA XXXX on my report for {$2400.00} from an original debt of {$1700.00} from the City of XXXX. I called their offices to clarify, spoke to XXXX XXXX and confirmed that the debt did not belong to me but to my brother who shared the same address with me which I moved out of 8yrs ago. XXXX XXXX then referred me to XXXX XXXX who has been purposely ignoring my calls and emails and is unlawfully attempting to collect a debt I do not owe. It is ruining my credit and messing with my personal life. I need this to be fixed ASAP. I will be filing a police report against Conrad for identity theft and commuting fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681a and b ), consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The Privacy Act of 1974 prohibits the disclosure of records without the individual 's explicit written consent. Equifax, XXXX, and XXXX have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Attached are court statements and an FTC report for identity theft as evidence. As per 15 USC U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, no later than 4 business days after the date of receipt by such agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing XXXX that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by XXXX XXXX. In addition, on a recorded line I was told by a XXXX  representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for XXXX to verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. XXXX representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. XXXX XXXX  has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.
Product: Student loan

when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.
Product: Credit card

barclays locked my account which includes XXXX credit cards without any warning or contact. they will not let me access my account to get my statements. i have sent all documents they have requested. in the meantime they have withdrawn over {$10000.00} from XXXX of my bank accounts. i have no way to verify this but i am sure that XXXX of them is fraud. i never have that much on a card. they refuse to send copies of my statements. that's all im asking for. that and to close my accounts. 
barclays had no right to close my accounts without any warning. and certainly don't have the right to withhold my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an update from XXXX XXXX stating that there was a collection added to my report. I reviewed it and was alarmed at the results. It is from a company that underhandedly purchased my account, without my permission, and made no efforts to collect on the balance. The original account was with XXXX which was another scam. I contacted XXXX  back inXX/XX/XXXX( twice ) and again inXX/XX/XXXX in making efforts to pay this bill. No attempts were made to debit the amount owed, which is why I called. Next thing I know I am blinded by this negative result on my credit report. I called this company and I got the complete run around. The last person even hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a XXXX account, with the hope of building my credit. I paid the {$30.00} fee and ordered 1 item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance. So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to XXXX. After the second attempt, I was given my {$30.00} enrollment fee back and closed my account. Fast Forward to XX/XX/XXXX and the harassing collection calls begin. XXXX was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department and 3-4 people over the course of 5-6 months ( beginning XX/XX/XXXX ) and they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped. The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to XXXX 's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although XXXX showed the account as closed, it still showed a {$100.00} high balance. XXXX  shows no balance, but a 30 day delinquency and not closed. XXXX shows a {$100.00} high balance and not closed. I have disputed this information with all 2 creditors and the account was " verified '' ; however, this info is incorrect. I have talked to XXXX and they claim my account was deleted on all XXXX bureaus, but as of today, it still stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX Account opened, XXXX, Equifax XXXX XXXX, XXXX INCONSISTENCY! 
Another example, Equifax has account still open while XXXX XXXX XXXX have it closed- INCONSISTENCY! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages 2-4,23 of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.
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 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. Or list of inquiries 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.