23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX ( XXXX XX/XX/2021 ) I got contacted by Cedars Business Services via telephone and email. They were trying to collect a debt owed to XXXX. My account with XXXX is up to date and XXXX says I owe them no money and they don't use Cedars to collect debt. XXXX encouraged me to report this as a fraudulent claim. Yet XXXX continued to insist that I had this mysterious debt, and she grew nastier towards me the longer I talked with her. I just want Cedars Business Services, a debt collection service, to respect the truth, that I owe XXXX no money, and leave me alone. They act like vultures, but there's no debt owed in this case. This company has been in business for 24 years, according to the XXXX, so they should know better than to try to collect from people that owe nothing. This company appears to be nothing more than a bunch of scammers hoping to harass people into paying off bogus claims of debt. They should be ashamed, but based on their behavior and the number of complaints against them, I know they aren't.
Product: Credit card

Dear Barclays Bank, I am writing to express my disappointment and concern regarding the recent, and unexpected decrease in my credit limit on my Barclaycard Arrival ending XXXX account. While I understand that credit card issuers may periodically review accounts, I believe this decision was not justified based on my long-standing relationship with your company and my consistent history of responsible credit usage. As a loyal customer, I have always made timely payments and maintaining a low credit utilization rate. This the recent decrease in my credit limit could potentially negatively impact my credit score and limit my financial flexibility, particularly during unforeseen circumstances. I believe this action may be in violation of the Uniform Commercial Code ( UCC ), specifically 9-109, which prohibits secured parties from denying credit applications based solely on creditworthiness or score. Additionally, UCC 3-402 establishes that a signature and intent to agree to a contract or financial arrangement are binding and enforceable. I kindly request that you reconsider your decision and reinstate my previous credit limit. If this is not possible, I would appreciate it if you could provide a clear explanation for the decrease and outline the steps I can take to increase my credit limit in the future. Thank you for your prompt attention to this matter. I have consistently paid my credit card balance in full and on time. My history demonstrates responsible credit management, which should be a key factor in determining my credit limit. This unexpected decrease could potentially limit my ability to utilize the card 's travel benefits for upcoming trips.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
TXXXX 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: Checking or savings account

They dont have the right information or cant recognize, I answered questions correctly and want me to go into a store to add my bank card to XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I chose to switch lenders due to the mortgage broker attempting to lock me into a mortgage with an inflated rate at the last minute. The mortgage broker was working with Plaza Home Mortgage so I reached out to them for instructions on how to begin the process of transferring the appraisal that I paid for to my new lender. 

I sent an e-mail on XX/XX/19 with a list of items that the new lender needed for the appraisal transfer. After a week, I reached out for a status and was told that it was still being processed and that there was no time frame for when I could expect the documents. The first time I called about this, I was told this would be processed in 24-48 hours. 

The items requested were the appraisal, xml, ssr and invoice. While I'm not clear on what an ssr or xml, I assume that they're items that can be electronically transferred like the other two.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

transunion is the only beaureu that I cant put a freeze in my credit report. 

Always the page came with this message. 

he TransUnion Credit Freeze Service is temporarily unavailable. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX XXXX. to XXXX XXXX. Eastern Standard Time.
Product: Credit reporting

I XXXX am filing this complaint because, Experian has ignored my request to provided me with the proper documents that their company has on file that was used to verify the account on Public Record I disputed.Being that they have gone past the 30 day time period and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!
Product: Credit reporting or other personal consumer reports

I have spoken to XXXX XXXX the last year and to this date on my credit card they have failed to report the last 7 years to the credit Bureau XXXX Transunion. Additional names used for me are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. i have only had my credit cards in XXXX, TN and XXXX, GA XXXX, XXXX and XXXX. 

At this time, the Transunion report is XXXX under XXXX XXXX XXXX and the File number is XXXX. XXXX XXXX  is only reporting from XX/XX/XXXX to present day and failed to report the amount of my payments for the month as well. I need all my payments reported as this is my main credit card that I always use and it needs to go back 7 years from when I first asked them to send it and correct it. The police report number is XXXX XXXX and cell XXXX. His name is XXXX XXXX. Please correct XXXX and get my score and credit report to me as my records remain mixed up with XXXX XXXX XXXX. I will be unavailable from XX/XX/XXXX until XXXX, XXXX with no access to email, phone or other. 

I need a phone call with the contact information for the executive offices as well as a mailed copy by XXXX Mail with complete contact information.
Product: Checking or savings account

I had a Cash App account that I couldnt access due to not having the email or phone number associated with that account. So I called customer service and explained to them that I had refunds still coming into the account so I needed to be able to access this account to transfer the money once it was refunded to the account. The Cash App employee closed my account it has {$170.00} that they are refusing to transfer to my new account or give me the money in a check. I have provided them ID, all the account information, and now they are saying they will send my money to the unlaimed funds department for the XXXX XXXX XXXX  I have a reference # to track the refunds and they are still refusing to help me when their employee closed the account without my permission. The bank who issues Cash App cards is XXXX XXXX  and they wont return a call or help me at all either. I need my money please. 
Old Cash App tag XXXX XXXX New Cash App tag XXXX XXXXXXXX Refrenence # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 payment reported 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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: Debt collection

On XXXX XXXX, 2015, I received a demand letter for payment from USCB America for {$730.00}. I am disputing this debt of {$730.00}, because it has never belonged to me. 

I was a victim of identity fraud and are disputing this debt of {$730.00}. I have been receiving harassing phone calls from USCB on my employers mobile phone. 

The {$730.00} debt belongs to some one who used my information with out my knowledge. I will not pay a debt not belonging to me.
Product: Debt collection

I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I pulled my consumer reports from ( Equifax ) and noticed that you provided an account there as a charge off/collection. } An account can not be a charge off and a collection at the same time! 
A charge off is a canceled debt where a 1099C form must be issued to the consumer! How can a canceled debt be collected? 
Collecting a debt that has been canceled constitutes tax fraud. 
Equifax has provided this account : XXXX from XXXX XXXX XXXXXXXX as a charge off/collection and is violating the Fair Credit Reporting Act 15 USC 1681. 
15 USC 1681e ( b ) ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information regarding the person to whom the report relates. 
Reporting inaccurate information to a consumer reporting agency is detrimental to my creditworthiness, credit standing, creditworthiness, character and overall reputation. 
You ( name of creditor ) are a furnisher of information and are prohibited by law from reporting inaccurate information. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to furnish truthful information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable cause to believe that the information is inaccurate. 
Therefore, I request that XXXX XXXX XXXXXXXX account XXXX be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2023 pertaining to files XXXX XXXX and XXXX XXXX XXXX on my credit report. I did not receive the complete results back until XXXX XX/XX/2023. The confirmation number for the dispute is XXXX. The Equifax dispute page verifies the submission and completion datesXXXX XXXX XXXX  and XXXX XXXX  both came back with Equifax deciding to modify and update each record on my report. This violates FCRA because both accounts were already verified as accurate previously. They sent the documents I provided of inaccuracies being reported on my file supporting my dispute to the credit and in return allowed the creditor to submit updates/modifications based on my documentation proving that the creditor has knowingly reported and verified false/inaccurate data. Equifax is supposed to enforce the FCRA not cater to the creditors. The creditors by law must report truthful and accurate data to the bureaus. Furthermore, the fact that 30 days had passed meant the record must be removed from my file again per FCRA. This is a glaring example of how Equifax violates the law and cares nothing about ethics. Creditors put money in their pockets, not people like me, so that is who they favor. So, I had to submit yet another dispute on both items that are supposedly being investigated. I have provided the documents below to support this complaint. I am not providing documents for them to give to creditors to further their collusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened fraudulently by Kikoff Lending. I have tried multiple times to resolve but company claims I opened account. Working with XXXX XXXX XXXX to resolve issue. The Kikoff Lending account was opened in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXXt are currently reporting inaccurate information Experian, XXXX, and XXXX are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I initiated an ACH Transfer for {$55000.00} on XX/XX/2022 to transfer funds from my XXXX checking account to Ally Bank savings account. These funds were successfully debited from my XXXX checking account on XX/XX/2022. Ally Bank then blocked the transfer, because I am told they could not verify the external account belonged to me, and the transfer failed and was never credited to my Ally account. Per calls with Ally Bank, there was an attempt to reverse the funds back to the external account on XX/XX/2022, but the reversal failed. 

It took hours on the phone over multiple days with Ally Bank representatives saying it was an issue with my external bank before one of the representatives finally understood the issue and opened a Case on XX/XX/XXXX ( Case ID : XXXX ). I was told I would receive resolution within 1 to 2 business days. It is now XX/XX/XXXX and I have not heard back. 

I already filed a CFPB complaint with the external bank ( XXXX ) and received a response back from them that there is nothing for them to do, as it is Ally 's responsibility to send the funds back to my external bank. Their complaint response is attached. 

It has now been close to 1 month since Ally rejected the funds, and no further action has been taken by the bank to resolve this matter. It is unacceptable to hold an account holder 's funds in limbo like this for this period of time. I have spent a combined XXXX XXXX  of my time on the phone with Ally Bank over the course of multiple days in the last month trying to explain my issue to Ally customer service representatives without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Transunion to investigate an alleged account that XXXX is reporting. The first letter was XX/XX/2022, Received no response. Followed up with another letter XX/XX/2022 still received no response. 
Its been over 4 months that they have neglected to even start an investigation, yet their notes state consumer disputes account meets FCRA. Ive mailed two letters to validate this account to XXXX, they haven't responded either. Ive included all letters and a copy of my credit report.