23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call telling me Citibank is filing a lawsuit against me and filing a lien against my house and my business. The phone call says I owe Citibank {$5000.00} from 2011. All my accounts with Citibank are OK. The man I spoke to was rude and screaming at me telling me I was going to lose my house and my business if I didnt pay. The call back number was : XXXX
Product: Debt collection

DRS has been reporting this collection information to all three of the major credit bureaus ( XXXX, XXXX XXXX XXXX ) as unpaid. I never entered into a contract with DRS. After numerous attempts- they have failed to provide me with proof of required information about the debt. 

Reference # : XXXX Pin # : XXXX
Product: Student loan

I enrolled in XXXX online XX/XX/XXXX I believe. I have been in school since XX/XX/XXXX till XX/XX/XXXX and I started school again in XX/XX/XXXX to present. I understand that I have a loan however, I have tried to communicate on several different times and have been unsuccessful. In the past years I was not able to pay the full cost of the loan being that I had an emergency medical situation in XX/XX/XXXX to present in which I have been managing. What I notice is that the contact company of the loan keeps changing or being bought from agencies to agencies. I notice that his information has been damaging my credit report and its a red flag. How can a person be able to acquire the resources to make payment when its damaging their credit and also increasing their interest on a monthly basis. Why continue charging a person a high interest rate on a loan where as the person is financially strap and no other option was available? I remember speaking to a customer representative concerning a student loan and my payment was 60 something dollars and I could not afford the 60 plus dollars and asked if I can make partial payments and I was told I would still be charge the interest even if I make the partial payments. So it was a loose situation. keeping in mind that due to my financial being and at the time not working I asked the questions and it made no sense to me why their weren't other options. Is there any other alternative to making an affordable payment? This amount I cant afford to make pay in full, but I would appreciate if it is remove as a negative on my credit report because the loan keep on changing hands plus its preventing me form getting help to do such. If I am in school what happens to that loan can it be put on deferment or another arrangement can be made? The information I got I couldn't access the information, so I am at a stand still.
Product: Credit reporting or other personal consumer reports

This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken. 

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately The continued misreporting of these accounts are causing significant emotional and financial distress, affecting my well-being, job performance, and family life. I urge you to address this immediately. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX : in the amount of {$230.00} Reported : XX/XX/2022 I have disputed this account with this company several times and they have yet to prove validation of this debt. I have never had an account with them and i have not signed any contract and i do not owe any companies or have done any business with whom they are collecting on behalf of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted of a new hard credit inquiry appearing on my TransUnion report. 

The inquiry came from XXXX. I contacted XXXX by phone on XX/XX/XXXX and they assured me that they had no record of a credit inquiry associated with my name. 

Also on XX/XX/XXXX, I created an account online with TransUnion to dispute the inquiry. I was able to see that the inquiry was associated with an address and phone number that were not mine, nor at all resembling mine. TransUnion had added the bogus phone number to my credit report. I was able to dispute the phone number online, and TransUnion removed the bogus phone number from my report immediately. 

However, I was not able to dispute the credit inquiry through the web interface. 

On XX/XX/XXXX, I called TransUnion to dispute the inquiry. I spoke to a representative who was able to verify that the bogus inquiry was appearing on my report. They refused to take any action, instead saying I needed to obtain a " Letter of Deletion '' from XXXX before TransUnion would take any action. 

I'm especially concerned about identity theft because on XX/XX/XXXX and XX/XX/XXXX, I received emails from two British loan companies, XXXX and XXXX XXXX, as if I were applying for loans from them.
Product: Payday loan, title loan, personal loan, or advance loan

I ordered a XXXX XXXX and installation supplies from XXXX using Synchrony XXXX XXXX XXXX XXXX  loan. The gas dryer was not taken off of the truck on XXXX because I need an XXXX XXXX. The refund for the gas dryer and installation was to occur and has not been applied. My account continues to show the gas dryer and installation pieces for me to pay. I never received the products in my home. XXXX 's has repeatedly not refunded back to Synchrony and Synchrony continues to wait on XXXX to refund the monies. I'm stuck in the middle as the consumer and both companies are stealing from me because I don't have the product. Please help.
Product: Credit card or prepaid card

On XX/XX/XXXX I was on a social media website and seen an ad for a XXXX XXXX  product it was offered to pay shipping only of {$6.00} to try the product. When I entered my credit card information into the system the page automatically cycled through added items to my cart of {$9.00} & {$39.00} and checked me out. I did not receive an order confirmation. I immediately called my credit card company MasterCard/Ulta and advise them what just happened. I told them that I wanted to cancel the charge that I felt like it was a fraudulent action and that I wasnt confident that I was dealing with a real company. Ulta advised me that the charges were still pending they couldnt see anything therefore they couldnt do anything and they had no number or info to provide me at that time. They advised me to call back after the charges cleared and that then they could help me dispute the charges. When I received my next statement there were more charges on my card for an additional amount of {$110.00} and {$110.00} dated XX/XX/XXXX from XXXX different companies XXXX of them being XXXX XXXX XXXX {$6.00}, {$39.00}, {$110.00} And the other being XXXX XXXX XXXX XXXX {$9.00}, {$110.00} I attempted several times to reach the merchant and request credit on my account that I was not happy with the service I did not receive any product and that I did not know who they were. I never got a order confirmation, I didnt even know who they were. At that point I realized online on my credit card company Ulta I was able to lock my card so I did, to prevent anymore unauthorized charges. When I spoke to someone they were short and rude with me said that I gave them my information and therefore I was being billed for it and since I blocked my card I would no longer get charges. I told them again I did not authorize the purchase, that I was not happy with the service, and that I didnt receive any product and I wanted a refund on my account immediately. Finally on XX/XX/XXXX a lady named XXXX with the collection company advised me that she did credit my account on XX/XX/XXXX for the full amount of {$290.00}. I asked her for a reference number and she gave me # XXXX told me to have a nice day and hung up on me. I have written to UltaXXXX several times and reported all this & called merchant multiple times. To date I still have not received a credit nor gotten resolution. Can not get resolved. Looking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score all ftc violations
Product: Credit reporting or other personal consumer reports

These 6 items that are reporting on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX account # XXXX and # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

I sent a payment to Citi Cards in XX/XX/year> for the full amount owed which was {$13000.00}. The check cleared on XX/XX/XXXX of XXXX  and the company claims that I have not made the payment. But I have a clear check that clearly shows Citi Bank stamped on the check. They are now reporting my account is late and it is damaging my credit. Again, I have a copy of the clear check. I called citi and I explained this to them. They claimed that they will open an investigation, but I have heard nothing from them. I called and spoke to six different representatives on XX/XX/XXXX and no one seems to know anything this is ridiculous and unacceptable.
Product: Credit card

I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits.
Product: Student loan

In XXXX I was notified that the student loan freeze was ending and to go to Aidvantage ( the new carrier of my loans ). I went to their website, logged in and saw my loans. At the top of my account summary, there was an alert stating to renew my Income Driven Repayment Plan ( IDR ), although my current plan was not expiring until XX/XX/XXXX ( approx {$350.00} payment ). I submitted the application and was given a new payment amount of {$790.00} per month and that my old payment plan was no longer in effect. Instead of the new payment plan beginning in XX/XX/XXXX after the current plan expired, they just replaced the plan. Additionally at the beginning of XX/XX/XXXX, I logged into this account and checked my AutoPay status. There was no Autopay listed and no bank account listed. On XX/XX/XXXX, My bank account was debited {$790.00}. I called asking why they debited the money, and they explained that the autopay carried over from the previous carrier. I never received an email or phone call notifying me of this renewed auto pay and I never received an email or phone call stating that {$790.00} would be taking from my account on XX/XX/XXXX. This caused me to go into overdraft and upon asking Aidvantage to return the payment, they said it will take upto 60 days.
Product: Money transfer, virtual currency, or money service

Signed moving agreement and sent the {$1000.00} deposit requested via ACH. 1 hour later, called to cancel, as was suspicious that the company was fraudulent, was told " there was nothing they could do. That we will keep the deposit, and you can use it for a future move. '' A check was made up with my account information, and the number given for my move was used as a check number so that my bank could not stop payment. Bank also refuses to refund and stop future withdrawals.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.
Product: Debt collection

Hello XXXX, I received a call from XXXX XXXX XXXX number. I found the attached phone call record from XXXX - page XXXX from XXXX XXXX. In an attempt to cancel my line before XX/XX/XXXX - after I received my invoice after XX/XX/XXXX, I tried online at XXXX  which doesn't have this feature. XX/XX/XXXX and XXXX falls on Saturday Sunday which I thought XXXX  didn't work due to Covid and I called on Monday, XX/XX/XXXX as first thing to cancel. 

In other words, I will not pay the {$36.00} which I assume I didn't receive a service for. I had enough expenses due to Covid and Moving and I can not tolerate another unfair bill/.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  Date Open : XX/XX/2021 Balance : {$2500.00} Account number : XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A States I have 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: Student loan

We have attempted to leave several messages, emails regarding this account. XXXX is currently in the United States XXXX and I am personally paying on this student loan and they are threatening to send it to the XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b.
Product: Credit card or prepaid card

I had received my XXXX  benefits on this card and shortly after became iXXXX My card was used and this person spent every dime. I have provided proof of XXXX to show that there was no way I could have made those purchases as I was in XXXXl. The total that has not been retuned is XXXX.
Product: Debt collection

I am in receipt of my credit report, and I noticed an account claiming that I owe your company for a debt. The specific amount in question is IC SYSTEMS ACOUNT # XXXX The following account is listed incorrectly on my credit report. Please verify the method of reporting and provide validation of this account or please remove it from my credit report. 
Please remove it from my credit report According to the Federal Fair Debt Collection Practices Act, I have the right to have the alleged debt validated by you. 
I have to date received no proof that I owe your company a debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA it is a violation for any debt collector to pursue collection activities on an account without notifying the debtor in writing within 5 days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with the proper proof, then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt will being violation of the Fair Credit Reporting Act, Please forward your documentation to me upon request of this certified letter. Please note that proper documentation is not a printout or bill from you but rather actual proof of the debts existence which should include. 
-The name and address of the original creditor -A detailed account of the alleged debt, including the amount owed and the nature of the debt specifically the services provided. 
-Verification or a copy of any documents that demonstrate my agreement by pay this debt, specifically a contract bearing my signature. 
-Proof that your company is licensed to collect debts in my state -Proof that your company has been assigned the right to collect this debt on behalf of the original creditor including an agreement that states that I would be liable to pay someone other than the original creditor. 
Regarding the last point, it is essential for you to demonstrate that you have the legal authority to collect this debt on behalf of the original creditor. I must be assured that I have given my explicit consent to allow your agency to pursue collections related to this debt without the proper proof of assignment your collection efforts may be in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts XXXX : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Sent money to a phone number XXXX. They claimed they never received it. Both Bank of America and XXXX were informed. Money sent XXXX XXXX for the total amount of {$390.00}