23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled credit report and found out that Credit Collection Services ( CCS ) listed a collection account # XXXX saying that I owed them an alleged {$250.00} for unpaid debt with XXXX as the original creditor of car insurance not paid. 

I disputed it and asked for validation. 

On CCS 's letter to me dated XX/XX/XXXX they sent the attached XXXX XXXX statement saying I did not pay for the insurance from XX/XX/XXXX to XX/XX/XXXX. 

This is a false statement because my insurance account did not extend to the period they are trying to collect. My insurance with them was from XX/XX/XXXX to XX/XX/XXXX. The policy ended on XX/XX/XXXX and I did not renew the policy with them. So the alleged {$250.00} they are trying to collect in not mine. ( see attached XX/XX/XXXX). 

XXXX XXXX 's statement that " the payment I made was not enough to completely cover the time insured XX/XX/XXXX to XX/XX/XXXX '', is a false and untrue statement because I did not renew the policy for that period and therefore was not insured by them within that alleged time. And I did not make any payment within the alleged time from XX/XX/XXXX to XX/XX/XXXX. 

I did not approve the changes they had to renew the police and decided not to make the payment that would have been the means of acceptance as per their request. 

I did not renew the policy and therefore I did not have to pay them for service they did not provide. And I am not obligated to tell them who I insures with. 

CCS reporting false and inaccurate information on my credit record is in violation of the XXXX XXXX XXXX, FCRA and FDCPA. 

So I want CCS to remove this false information from my credit record. According to these XXXX XXXX XXXX, FCRA and FDCPA, inaccurate report must be removed and deleted from my credit record immediately. 

And I want CCS to notify me when this false and inaccurate report has been deleted from my credit record in accordance with FCRA and FDCPA.
Product: Debt collection

I was involved in an accident at the end of XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. AR resources Inc and XXXX XXXX XXXX XXXX. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is XX/XX/XXXX.
Product: Mortgage

I applied for a mortgage refinance with Bank of America and was informed that my credit has to be at XXXX and it is currently at XXXX. I have been a customer with BOA for 14 years and I am considered a platinum preferred customer based on the amount of funds in my accounts. Every time I have applied for anything at this bank I have been denied and Im sure its because Im a minority. I have been informed that my credit score actually has to be at least XXXX per other lenders. I have also been discriminated against years ago when I applied for employment. I will be taking my funds from this bank as well.
Product: Debt collection

Centric Asset Management has called my personal cell phone from the phone number XXXX XXXX XXXX XXXX XXXX XXXX or five times with a live person on the phone, and once with a robo-call. The live phone calls indicate that they allege I owe a " payday '' loan, which I never applied for nor received. They indicate that they have " authorization '' of some sort from a bank that I already made payments and therefore admit I owe the debt. They have my personal bank account number and other personal information, including the names of my sister and mother. I have asked them multiple times for substantiation of the debt, and they always refuse. The robo-call on XXXX XXXX, 2016 indicated that they were threatening to debit my personal bank account if I did not otherwise make arrangements. 

I did not and do not owe this debt. I do not know how this company has my information, but they will not substantiate the debt. They do not tell me they are debt collectors when they call me. They argue with me about the debt. They have called me multiple times during one day. I believe they are violating the Fair Debt Collection Practices Act if they are an actual company. Otherwise I think they are just a scam company.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with the experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Someone has gained my social security ( at least the last 4 digits, email address and other identifying info ) and tried to open a checking account with Citizens Bank. I received a denial from the bank on XX/XX/23 indicating that the application had been denied. 
====================== Personal Deposit Application Application ID : XXXX Dear XXXX XXXX : Thank you for choosing Citizens Bank and for your recent online application for the following account ( s ) : Product Name Citizens Quest Checking Unfortunately, we are unable to open your account ( s ) at this time based on the information you supplied when you completed your online application. However, one of our local branches may be able to assist you with the account opening process. When you apply in person, the banker may accept various forms of valid primary identification, such as a driver 's license, state-issued ID, or passport. 

Thank you for again choosing Citizens Bank. 
Sincerely, Citizens Bank =============== I contacted their fraud dept who verified that the attempt was real and that I should file a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion, XXXX and XXXX numerous of times throughout this XXXX documented and recorded also have sent over dispute letters and asked them to remove all unauthorized inquiries ; I have also informed credit bureaus that I have an identity theft alert on my account due to several attempts of my credit being ran for loans, credit cards and other line of credit using my social and information without my consent ; Due to these outrageous instances this has limited me on refinancing and home purchasing goals. I have filed a XXXX XXXX indicating that my suspicion on XXXX XXXX  doing this vindictive tactics and that I wanted to make sure this was taken serious or aware of due to this reason. 

The accounts listed below in my Transunion report are considered fraud or unauthorized and should not have any reflection or mark on my account. I would like to demand of them removed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 or other personal consumer reports

My name/ social security number/ credit report information was involved in three data breaches. XXXX, XXXX , Department of Treasury . This resulted in many false reports to my credit report. This has destroyed my quality of life and would like my credit wiped clean immediately. Its not fair to live like this because of others intent to harm people. Please help me.
Product: Credit reporting

I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back.
Product: Debt collection

I received a notification that a debt has been reported to XXXX. Upon checking, I noticed that it was a debt under dispute. 

I received a letter dated XX/XX/2021 from Knight Adjustment Bureau ( KAB ) and quickly sent a response by mail on XX/XX/2021. They did not include proof of the debt either than a letter ( copy attached ). 

I explained that my debit card got lost and was used fraudulently and do not owe the debt.

The debt was report to the credit bureaus by KAB on XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I believe Amex is not following the Fair Credit Billing Act in arbitering my dispute with XXXX, due to its commercial arrangement with the merchant.
Product: Bank account or service

I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from XXXX XXXX for {$19.00} and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over {$1000.00}. So I contacted the bank and disputed the charges, about a week later I got the funds placed in my account and was told the case was closed. Then almost two months later I received a letter stating that my son had a prior relationship with the XXXX store and since this was the case he must have made these purchases. I assured them that he did n't as I checked his XXXX and there were no games on there because he does n't buy games online, he likes to have the case and disc. So as I had closed out my account before they could take the funds out, they decided to accept my direct deposit anyway and took all the money back throwing my account into the negative because of this I was also charged several banking fees for transactions they paid knowing that I had no funds in my account to cover these charges. So now my account is almost - {$900.00} and I have changed banks. They have continued to pay bills and I was then told to get a police report to release the bank from responsibility. I did that and waited ten business days as I was told, then I called back and got the same answer. My son must have made the purchases. So I asked them for proof, and they said for me to contact the playstation store, which I had already done and they said they can not provide me with such information. I do n't understand if someone was spending almost {$100.00} a day on a website why the bank had n't contacted me earlier, and they said that is not their job. It is my job to keep track of what is going on with my account. I said so you are n't responsible in helping to cut down on fraud, and they said no that is my job. I am so angry that I have switched banks and will never go back to this bank, but I am still out over {$1000.00} with no explanation or apology or anything at all resembling how a business would handle such matters.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I call XXXX  XXXX because it was showing on my credit report that I was 60 day late, I Call them to discuss late payments on my account he stated I was 57 days past due, and I told him he was wrong, so I asked him why have they had 60 days late on my credit report when payment is not due till the XXXX, I also told him I was recording the conversation and after that he refused to help me any further, according to the 1666B FCRA what they are doing is against the law, I want my account updated now to never late and the 30 and 60 day late removed.
Product: Credit reporting or other personal consumer reports

I checked my Equifax credit report and found two fraudulent inquiries on my credit report from XXXX XXXX XX/XX/year> and XXXX XXXX on XX/XX/year>. I did not authorize either of these companies pull my credit nor was I extended credit from either company. I am including a FTC report I have filed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple errors on the payment history of one of my accounts, specifically with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). The report falsely shows a late payment for XX/XX/year> and XX/XX/year>, even though I paid on time, which is both misleading and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It is impossible for an account to be 120 days late 2 consecutive months without a prior progression, proving this is an error that has not been properly investigated despite my repeated attempts to have it corrected. This inaccurate information is falsely manipulating my creditworthiness, harming my ability to obtain credit, and causing undue financial distress. The continued presence of this error after multiple investigations demonstrates a failure by Transunion to fulfill its legal obligations, and this neglect is directly damaging my financial reputation. I am demanding the immediate deletion of this account to rectify this egregious oversight and restore accuracy to my credit report. Thank you for resolving this matter promptly.
Product: Checking or savings account

I had sold something on XXXX, the buyer asked to cancel the sale. We were never paid for the item since the sale was cancelled at the buyers request. 

Since we had cancelled the sale, we were never paid for the item. Instead XXXX charges for the amount below were withdrawn from my account. I have followed up multiple times and have had no resolution, and no response. 

XX/XX/2023 - {$2700.00} XX/XX/2023 - {$3700.00}
Product: Checking or savings account

Your categories dont really fit my message. 
Im writing to let you know that yesterday I received a multi-page letter from the IRS regarding my last 2 yrs. of tax returns. I havent filed returns in many yrs. My building is supportive living where they take your social security & leave you with $ XXXX, depending on whether u pay for cable or phone. Also, I am a XXXX XXXX XXXX. old with multiple very serious health issues. 
Today I called the IRS & they said it is a case of my identity being stolen. 
In reading reviews of Fifth Third Bank former employees some made reference to their belief that employees of Fifth Third are illegally tampering with customers accounts. Now it could be someone else. I never click on a scam or phishing email so I cant be sure but if I had to make a guess, considering they have changed their tune many times in response to me & also dont seem to understand much of anything ( & dont care ), I have to be suspicious of them. I havent lost anything but the fact my identity is stolen is disturbing enough. 
Answers?
Product: Credit card

I receive a defect product ( {$220.00}, motherboard ) from XXXX. I win dispute in XXXX for full refund and seller pay return postage. I find the return postage is $ XXXX and seller does not agree to pay ( Attach : XXXX ) Aliexpress.com dispute resolution requires refund after product received by seller within limited time. If seller not wants pay, I can pay in advance but will pay back by coupon which only can use in XXXX but I do not want to buy anything from liexpress.com. 
( Attach : XXXX ) By fore see this situation I call credit card for dispute. After wait XXXX weeks I did not receive letter ask support document. I call in ask why? Answer ask me just wait and see. 
The credit card transaction date show XX/XX/XXXX. Due to previous experience I Email support documents at XX/XX/XXXX and through secure message then response Email again on XX/XX/XXXX. ( Attach : XXXX ) later XX/XX/XXXX. Note : same documents will contain new info along the date accordingly. 

I keep work on XXXX. They agree refund me without return product but the fund is locked. They ask me withdraw credit dispute give them formal letter from credit card saying credit card dispute have withdrawn. I did not withdraw due to I am sure defect product 100 % can get money back. I do not know what happen after withdraw. 
( Attach : XXXX ) But I get credit card dispute failed letter. I do not understand but find reason for dispute code. XXXX XXXX it find the code is for fraud. First time I call Citibank dispute center get ignored then I call again emphasize the correct code should be defect product. The case reopened in XX/XX/XXXX. It is past XXXX month. 
( Attach : How_I_find_code_error.pdf, XXXX ) The key failures are fake up dispute is fraud without ask, fail to read what my submitted in XXXX and unwilling take responsibility after find mistake. Those are management problems. 

After that, I keep try help Citibank get money from seller. In my view let bad seller get money is the worst. You can find detail in ( aXXXX XXXX XXXX. Now Citibank last my wining case. ( attach : The_last_letter_fromcitibank.pdf ) Please help me. 
Note : This case I was submit to FDIC then FDIC told me here is right place. You may receive same case from FDIC. Just use this one.