23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Subject : Urgent Request for Correction of Inaccurate Information on TransUnion Credit Report To Whom It May Concern at TransUnion XXXX I hereby wish to formally dispute the incorrect information reported in my credit file that has previously been disputed without adequate resolution. Upon reviewing my TransUnion report, I identified the following inconsistencies that require immediate correction : XXXX. Name Correction : There are three incorrect variations of my name listed on my credit file : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX My full name is XXXX XXXX XXXX XXXX and I request that all incorrect variations be removed. Please keep only my full and correct name on file. 
XXXX. Incorrect Address : The address listed on my report is incorrect or incomplete : XXXX XXXX XXXX, XXXX, FL XXXX The correct address is : XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, FL XXXX. Please update this information and remove any other addresses that do not match this one. 
XXXX. Inaccurate XXXX XXXX : On my current report, I am listed as XXXX XXXX, and the update date for this information is XX/XX/XXXX. This information is incorrect. I am not currently working under that status and have not provided this information. Therefore, I ask that you remove this information from my profile. 
Legal Complaint : Despite having filed a previous dispute, you have not corrected this information in accordance with the Fair Credit Reporting Act ( FCRA ), which requires you to ensure the accuracy of all information contained in my credit file. In addition, as a resident of the state of Florida, I demand that you comply with applicable state and federal laws : Florida Consumer Collection Practices Act ( XXXX ) : Under Florida XXXX XXXX XXXX, a consumer has the right to have credit information reflected that is accurate and not used in a misleading manner. Failure to do so may result in penalties and damages.

Fair Credit Reporting Act ( 15 U.S. Code 1681i ) : The FCRA requires that credit reporting agencies upon receipt of a dispute investigate and correct or delete inaccurate or incomplete information within 30 days. In my case, failure to meet this deadline and failure to perform due diligence in resolving my dispute is a violation of my rights as a consumer. 
Since I have not received a fair resolution in connection with my previous dispute, I am notifying you that I am prepared to exercise all of my rights under the Florida Consumer Protection Act and federal law to ensure that the inaccurate information is removed and my credit profile is corrected. 
In addition, please request that I be notified in writing of the outcome of this dispute and any action taken pursuant to federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX continues to call, leave messages, and inquires about how to contact the person they are attempting to collect a debt from. 

They have called on XX/XX/XXXX, they left a message for XXXX, stating it is important to call them back to resolve this issue. I called them, asking what this was about. They stated they are attempting to collect a debt from XXXX. I told them I am NOT _________, she is my ex-daughter-in-law. She and my son have been divorced for years. Quit calling me. They then asked if I had any contact information for XXXX or could I give her a message. I said, NO. quit calling me. They said they would take my number off of the account. I said, you have told me that twice before. They stated they will no longer be contacting me. 

On XX/XX/XXXX XXXX XXXX again called leaving a very lengthy message regarding ________ with an issue she needs to take care of immediately with XXXX XXXX XXXX XXXX. Again, I called them and told them, this is not my debt, I am no longer related to ________, STOP CALLING ME!! Again they said they would take my number out of the system. I even talked to a supervisor. I said, you have told me several times you would take my number out of the system and yet you continue to call, leave messages regarding ________ debt ( which is a direct violation of FDCPA Rules ) and continue to ask me for contact information for ________ ( also a violation of FDCPA Rules ). Again they stated they would take my number out of the system. I stated, I don't believe you because you have called me a total of 4 times, twice leaving messages, 2 times I answered and told you to QUIT calling and 2 times I called you directly to QUIT calling. I then told them, I have no reason to believe you will stop harassing me and am going to file a complaint with the Consumer Financial Protection Bureau. 

I have the voicemails to prove these claims!! 

XXXX Names intentionally left blank to protect the identity of debtor. )
Product: Credit reporting or other personal consumer reports

I have spoken to Equifax regarding, Company : XXXX Account # : XXXX That this debt collection is not mine because I never signed a contract with the company, they never lent me money, I asked that they provide me the original signed contract, the opening date of this account is false, the payments made on this account is false. 

Also Equifax deleted it off my report in there portal in the past, but when I pulled my credit report this year it was still there ; which is false, misleading, a misrepresentation, and direct violation of FCRA. I have proof. 

The other credit bureaus have deleted the account due to the information begin inaccurate and unverifiable.
Product: Credit card

Dear representatives of The Consumer Financial Protection Bureau, I hope you are doing well in Washington D.C. I'm writing to you because I want to file a complaint against the credit card company Citibank. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX  from Citibank last XX/XX/XXXX. 

They have been giving me a very hard time and they don't want to activate my credit card even though I was approved for this credit card since XX/XX/XXXX. 

They are very mean and rude to me on the phone when I'm calling them. I got two very mean representative based in The United States who sounded like that were XXXX to me on the phone when I was speaking with them. They sounded like they were from one of the southern states. 

I'm originally from XXXX, XXXX and I'm a naturalized XXXXXXXX XXXX. I have a little accent when I speak the XXXX language. 

I applied for this credit card on XX/XX/XXXX and I was approved for this credit card the same day. I got approved for my new credit card last XX/XX/XXXX. 

They told me that they were mailing me the credit card in a few days. I was waiting for this credit card for around 13 days. I finally received it on XX/XX/XXXX during the night.. 

I tried to call the credit card customer service around 4 times with the intention to activate my credit card. I have an XXXX XXXX XXXX XXXX Account. I fly with them sometimes especially inside The United States. 

I want to link both accounts, I have many miles in my miles account and I want to preserve them but I'm not able to do it because my credit card customer service is not letting me activate my credit card. That's not right. 

Two of the representatives were telling me by phone that they saw attempted fraud activities. The credit card didn't arrive until XX/XX/XXXX in the night and the envelope with the credit card was completely sealed when I get it. 
I provided the customer service with my name, credit card number, date of birth and secret word that is my favorite teacher 's name.I also provided them with my code number that I received in my I have wasted hours of my time because of these credit card company employees and I called this XXXX number several times. 

Two representatives of the credit card company hang up the phone on me in a very rude way and one representative didn't call me back when he couldn't hear me even he promised to call me. 

I don't know what else to do to activate my credit card. 

I will appreciate your help and cooperation in order to resolve this matter. 

Respectfully yours, XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ELEVATE RECO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ELEVATE RECO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

On the XXXX day of XX/XX/XXXX, I went to XXXX XXXX XXXX to purchase a vehicle. The vehicle I bought was a XXXX XXXX XXXX XXXX listed at {$14000.00}, I was advised that a down payment of {$2000.00} was required to obtain my car. I was also coerced into believing that I had to be fully insured before I could leave with my car ( 15 US Code 1605 c ). I was not given my right to rescind ( XXXX2 CFR 1026.23 ), nor was any document in my contract explained in full detail without prejudice. Many fraudulent acts are indicated throughout my contract with XXXX XXXX XXXX. First, being indicated on my retail installment sale contract XXXX XXXX XXXX is my creditor, but I am making payments to Exeter Finance of {$430.00} a month. The payments I am making on my car should be going directly to XXXXXXXX XXXX XXXX, which they are not, so my identity was heisted to be sent to the 3rd party- Exeter Finance , to open a loan for {$17000.00} in my name ( 15 US code 1605 a ). My retail purchase agreement has many discrepancies compared to my retail installment sale contract. To give insight into the differences, the model of my car is incorrect, the odometer isn't the same and the charged amounts are different.
Product: Checking or savings account

On XX/XX/29 I was charged a NSF fee of {$35.00} I called Bank Of America to get the fee refunded and was unsuccessful. This is an account that is used to pay my grandmas XXXX XXXX.
Product: Credit reporting or other personal consumer reports

All credit agencies ( XXXX, XXXX, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file.

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call and reach out to XXXX, equifax, and XXXX and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable. 
Account name / numbers. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX account number : XXXX account name : XXXX  XXXX  XXXX  account number : XXXX account number XXXX XXXX XXXX XXXX account XXXX account name : XXXXXXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  XXXX  account number : XXXX account name : XXXXXXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name XXXX XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name XXXX XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX acoount name : XXXX XXXX XXXX account number : XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A collector named XXXX from a company called XXXX contacted me on XX/XX/2019 at XXXX. I told him I was at work and he could call me back after XXXX. He said no to that and told me he was going to take legal action against me. After he spoke to me he called my mother on her cell phone and at her work. I have never given any company my mothers work phone number. He told her that they were going to file legal action against me. I called him back on XX/XX/2019 at the phone number he called from XXXX. He said he had called a great many people about my account. When I tried to speak to him about this matter he hung up on me. He would not give me the name of the company he was calling from. He did tell me on the XXXX that he was collecting on my XXXX account. I had to call and speak to XXXX to find out who they sold the debt to. I then tried to call XXXX at the number XXXX gave me XXXX. I was put on hold after I told them that I thought their collection policies were illegal. They then hung up on me. I have now sent them a cease and desist order and a letter.
Product: Debt collection

MERCHANTS & MEDICAL CREDIT CORPORATION , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The XXXX XXXX XXXX XXXX for MERCHANTS & MEDICAL CREDIT CORPORATION , INC . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company opploans is been harassing me with a loan that they said I applied for and I never did, I told them a few months to stop and now they said I applied again on XX/XX/2023 and its a lied, I do not want to do business with that company because they have bad reviews and now I know that all they said about them is true, because they are phishing for my business, several times I XXXX them to stop and they continue to harassing me with emails. They are located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX IL. 

I also reported them to the BBB to see if they stop to do this to peoples they keep running my credit and that will affect my score, they are committing fraud doing that and I know is not legal to do so. 

Sincerely, XXXX XXXX
Product: Credit card

I transferred {$9500.00} from my XXXX card to my Citi card. I accidentally transferred it to my daughters account and asked Citi to correct the error. 
A little bit later I received the money back into my XXXX account and I thought I had to make the transfer again myself. I transferred {$9500.00} again. Then shortly after that, they apparently completed the second half of their correction and took the {$9500.00} out of my XXXX account again and put it into my Citi charge account. 
I called several times to ask them to correct this because now my Citi card was showing a credit of {$9500.00}, and I was over the limit on my XXXX card for that amount. They asked me if I wanted to do a balance transfer, which wouldve cost me money, and I declined. I said please just refund the money. 
Then I spoke to someone again, and the money completely disappeared from my Citi account but also never showed up in my XXXX account. 

The first {$9500.00} Balance transfer was made on XX/XX/XXXXXXXX  from XXXX to Citi, and the second {$9500.00} transfer from my XXXX card to my Citi card was made on XX/XX/XXXX. 
First dispute reference # XXXX was closed with no action taken. 
I then talked to Supervisor XXXX XX/XX/XXXXXXXX  who said shed call back XX/XX/XXXXXXXX  after the billing cycle closed ( or something ) to see where the money went. Never called. 
XX/XX/XXXX spoke to supervisor XXXX (? ) # XXXX who opened another dispute forwarded to refund team 11 business days later nothing ( I was told 7-10 days ) XXXX supervisor XXXX # XXXX in Arizona said I should hear something by Monday. Im not waiting anymore.
Product: Debt collection

This is an XXXX account that is 13 years ago that is no longer on my credit report, but Midland Funding has this account using false information calling it XXXX which is wrong, trying to collect on a 13 year old debt my credit have suffer from not having the money to pay XXXX when my job had close down. Midland have file a case with XXXX County Courts on XX/XX/2014 and this case was close. The account number is XXXX and the Docket # XXXX.