23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Few years ago I used my XXXX XXXX  out of town and paid all deductible amounts, etc. 
After one year, I kept receiving suspicious invoices from other people. 
I never responded and XXXX never charged me for any payment. 
Now after few years I got attached debt collector letter that I do not want to respond. 
I have an automatic payment account with same XXXX XXXX XXXX XXXX and they always draw out any money I owe them. 
Therefore, I do not want to communicate with other unknown entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sending this information I found on my credit report is wrong this is not something I did on that time or dates are incorrect this is complete wrong
Product: Money transfer, virtual currency, or money service

Making purchase online the companies were fraudulent cash companies that I dont even know about taking money off my card I lost about XXXX in cash app loses
Product: Debt collection

The debt collection company XXXX XXXX sent a debt collection letter to an old address of mine. It was returned to sender as undeliverable, however I was able to see a scan of the front of the envelope via XXXX informed delivery service. I googled them and sent them a debt validation letter via certified mail and a means to contact me since I was homeless at the time. XXXX XXXX completely ignored my debt validation letter and filed a lawsuit without validating the debt or addressing my dispute. I am answering the lawsuit in XXXX XXXX civil court. I just wanted others to be aware that XXXX XXXX is blatantly violating the Fair Debt Collection Practices Act and that is a very solid defense.
Product: Credit reporting

I have dispute the information with the XXXX credit bureaus to no avail, and they will not remove this item from my report. I have submitted a letter from the acutal creditor stating the account is closed and they will remove it. The credit bureaus will not update my reports to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Installment Equifax XX/XX/XXXX - {$38.00} {$190.00} XX/XX/XXXX CHARGE-OFF {$250.00} this information is incorrect i have already filed a dispute with the XXXX XXXX, and they have already updated their records and the other two credit companies XXXX and XXXX  have already updated my reports yet equifax has old out dated information, same thing with ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Revolving BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$300.00} - {$150.00} XX/XX/XXXX CHARGE-OFF {$150.00} Individual this account is also out of date this account is not past due it is charged off but the amount past due is not correct there should not be any past due
Product: Credit reporting or other personal consumer reports

The fraudulent accounts are : XXXX XXXX- XX/XX/year> XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

i disputed a paid and closed case to experian to be removed it was paid and closed with no balance however a few days later it updated to a balance of XXXX wich is incorrect because this case was closed 4 years ago and paid and experian has the documentation and information from the courts the experian dispute document number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported credit inquiries on my credit report without proper authorization. I never provided any expressed consent for the credit inquiries to be reported on my credit report. 

XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Debt collection

Someone stole my identity to open a cell phone account with XXXX XXXX starting in year 2020 ( a/c # XXXX ) with an outstanding amount of {$500.00} Collection Company I.C. System, Inc ( XXXX ) XXXX Reference # XXXX ContactedI.C. System, Inc collection company to clear the collection.
Product: Credit reporting

I disputed a collection account from XXXX XXXX XXXX because the information was unfamiliar therefore inaccurate. I submitted a dispute via XXXX mail and I received an email from Equifax stating that the account had been " verified. '' None of the original creditors info was included as far as dates payments, date of XXXX delinquency, a signed original contract between me and the original creditor, a contract between XXXX XXXX XXXX and the original creditor giving XXXX the rights to collect on this debt. I asked for all these things in my letter and they were not provided from Equifax nor XXXX XXXX XXXX. Attached are the results of there investigation, this does not validate the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My Loan has been paid in full to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 and number : XXXXXXXX XXXX XXXXXXXX Account name and number : XXXX XXXX XXXXXXXX, Account name and number : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX has violated my rights. 
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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I took out two private student loan accounts during XXXX school with Citibank. These two accounts were in deferment during my XXXX XXXX. In XX/XX/XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " voluntary training '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of {$36.00}, XXXX and settled at {$19000.00}. The second account was in the amount of {$35.00}, XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted Citibank on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that Citibank can not find me in their system by either my SSN, name, date of birth or the Citibank account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on Citibank 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. Citibank is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Product: Credit reporting

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, XXXX, and XXXX credit reporting agencies for years. I have been a a victim of fraud as reported to all XXXX agencies in the past, as far back as XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed to inaccurate accounts. 

Account under the name of NCB Management Services has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name XXXX XXXX XXXX was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.
Product: Debt collection

ACCELERATED FINANCIAL SOLUTION # XXXX this account has been resolved and was supposed to be removed from my account.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt that has been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( XXXX XXXX ) with no successful resolution. XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I SENT THE COMPANY MIDLAND CREDIT MANAGEMENT A CERTIFIED LETTER ASKING FOR MAXIMUM ACCURACY IN ACCORDANCE WITH 15 US CODE 1681e. THE LETTER WAS RECEIVED BY MIDLAND CREDIT MANAGEMENT ON XX/XX/. IN RETURN I RECEIVED AN ORIGINAL COPY OF THE XXXX XXXX BILL AND A LETTER ON YELLOW PAPER STATING THAT MIDLAND CREDIT MANAGEMENT WOULD NOT SUE. I SENT TWO MORE LETTERS STATING AND QUOTING THE FCRA ASKING MIDLAND CREDIT MANAGEMENT TO STOP REPORTING ON MY CONSUMER REPORT. I CALLED SEVERAL TIMES. MY LATEST CALL WAS ON XX/XX/ AND I SPOKE WITH XXXX XXXX DIRECTOR OF DISPUTE SHE SUGGESTED SHE DISAGREED WITH THE FCRA. I SENT ANOTHER LETTER ON XXXX XXXX XXXX SITING 15 US CODE 6082 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION, 15 US CODE 1681a RULES OF CONSTRUCTION and 15 US CODE 1681b PERMISSIBLE PURPOSE.
Product: Credit reporting

I have XXXXaccounts on both trans and XXXX that were desputed and were suppose to be deleted but they are still on there also I have had a XXXX XXXX credit card for five months made XXXX ontime payments and that 's not on my credit report
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you. I would like you to conduct an investigation for me to make certain that everything is accurate.XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/2020, I discovered that my employer had over contributed to my XXXX account. 
The consumer interface on XXXX  XXXX  's website alerts a user to the fact of over-contribution but does not provide any means for requesting a distribution of excess funds. 

On XX/XX/2020 I sent an email from an icloud account to XXXX, which is listed on the XXXX website as a method for contacting the Bank, requesting simply " what form do I use for an excess contribution? '' I received no response. 

On XX/XX/2020, I sent a follow up email from the email account associated with my XXXX XXXX  account, again requesting, " what form do I use to request for a taxable distribution? '' I again received no response. 

On or about XX/XX/2020, I called XXXX  XXXX  's customer service helpline and requested the form for a taxable distribution of excess funds. In response, XXXX  XXXX  emailed me the form for distribution for eligible expenses -- the wrong form. 

On or about XX/XX/2020, I found a form entitled " taxable distribution request '' on XXXX  XXXX  's website using XXXX, filled it out for the two tax years I needed taxable distributions, and emailed it to " XXXX. '' I received a confirmation email indicating that XXXX  XXXX  would process it. 

On or about XX/XX/2020, I received two letters from XXXX  XXXX  enclosing my rejected excess distribution forms and a letter indicating that the form had been revised and I would need to resubmit the request for taxable distributions using the new forms. The letters contained envelopes. I filled out the new forms and mailed them to the addresses on the letter from XXXX in XXXX. 

As of today, XX/XX/2020, XXXX  XXXX  has not processed those taxable distribution forms nor sent any response regarding the requests for taxable distributions. 

XXXX XXXX  has failed to allow me, a consumer, to withdraw more than {$3000.00} of deposits for over a month, and does not provide any mechanism on its website, mail, or customer service line to withdraw those deposits. I am recounting these facts to the OCC and CFPB in the hope that they cause XXXX  XXXX to change its business practices to allow consumers to withdraw excess contributions, which can subject their depositors to IRS tax penalties if not withdrawn by the end of the tax year.
Product: Mortgage

On XX/XX/XXXX Chase sent me a letter stating the figure to reinstate a delinquent mortgage loan. The letter said the figure was good through XX/XX/XXXX. On XX/XX/XXXX the exact dollar amount stated in the Chase letter to reinstate was wired to Chase. Chase held the money for one week and then wired the money back stating it was the wrong amount. No different amount from the written reinstatement quote has been stated. No explanation whatsoever. I relied on the representation of Chase.
Product: Debt collection

I received a letter from RCMB dated for XX/XX/2018 that stated I owed an amount for {$110.00}. 
I immediately sent RMCB a certified mail letter requesting validation of the debt. 
Within the letter that I provided to the CFPB is clear what i requested specifically and expected in return from RMCB .... 
However, what I received was a bunch of coded numbers and my name & address With no signature from the original creditor they represent .... 
I immediately called RMCB and asked why they did not provide proper validity of the debt and I was told by a representative they were unable to provide the items requested in my letter do to HIPPA Laws .... 
So I further ask the representative about the information I received about the debt that didnt have a signature and she made it very clear the information was not sent by their company and that the original creditor sent the information. 
So I immediately called the original creditor to ask why they did not provide a signature on the documents I received. 
XXXX made it very clear they did not send the documents and asked me what was the name on the actual exterior envelope? 
I then told the representative of XXXX it was sent from RMCB which is why I was calling because I was confused to who sent it. 
She indicated what the documents was but informed me they did not send them as stated by RMCB that denied sending them. 

So I am first not understanding why RMCB would deny sending this info and why RMCB is not respecting the law thats very clear according to FTC and FDCPA, for a proper validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

Reopen case XXXX. The company 's response is entirely inadequate and once again reveals that they are not reading or comprehending my communications. They state that they are sending a letter to request more information, but I have already sent them all the need d information numerous times. Reopen this case and escalate it to a manager who can actually read and adequately respond. 

At this point, TransUnion is knowingly publishing an incorrect credit report.
Product: Checking or savings account

Been banking with arvest for almost a year. Tried getting overdraft coverage to help with temporary insufficiency. Error message everytime. XXXX gives a phone number that has been out of order for at least 7 months. I asked bank to call or look up number and he confirmed the number wasn't in arvest system. When applying for credit card or personal loans the error message is that " Arvest doesn't currently lend to your zipcode ''. The banks website when checking facts doesn't display the same info as it does on my end. For example. Phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my Equifax and XXXX credit report with negative remarks. This company contract with me was not a legal contract and the warranty that was part of the XXXX XXXX  and not an outside company. XXXX XXXX XXXX sold me a vehicle with issues that they held the warranty for and I couldn't get the vehicle fixed or issues resolved because of this. Subsequently they agreed to take the vehicle back and take this off of my credit report and this still has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXXl XXXX 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a customer of XXXX and have a loan with them. I have always paid my bills on time. I discovered that there were late payments on my credit record for whatever reason after looking at my credit report. As you can see, I've always made on-time payments to this business. I made an attempt to get in touch with the XXXX credit bureaus, but I was unsuccessful. There was unquestionably a mistake on their part. I am filing this CFPB complaint to the credit reporting agencies in order to ask them to fully examine and correct their information. The account with the inaccurate information is below and has to be updated as soon as possible : XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX with Advantage Collection Professionals, LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX, contacted me for a past due amount of {$190.00} from 2011, for a company called XXXX XXXX XXXX with phone number XXXX. I've never had an account with XXXX XXXX XXXX, nor had any business with them. They refuse to remove me from their system, and threatening to update to credit bureau if not paid.
Product: Credit card or prepaid card

My credit report shows a Capitol One credit card with me as an authorized user. At not point did I open, or add myself to this credit account. The balance is {$8800.00}, with a credit limit of {$15000.00}. The card was opened XX/XX/XXXX. The last payment was made in XX/XX/XXXX. The next payment is {$120.00}. The first 6 numbers of the card are, XXXX. I need to be removed from this card as an authorized user, as it is not a true reflection of my debt, and is negatively effecting my credit availability.