23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld systems has been reporting to all 3 credit bureaus, false and INACCURATE, UNVERIFIED information on my credit report. Not once have they even attempted to validate this so called debt which does NOT belong to me. 

i have requested validation, not verification of this so called debt that have been reported to them by XXXX XXXX. I have recieved a response that clearly VILOATES my HIIPPA. Transworld systems failed to provide me a HIIPAA release that releases any medical information to them, therefore they are in VILATION of my HIIPAA rights. I am aware of this violation and i plan to proceed with any legal action as prescibed by law against your company as well as Transworld and XXXX XXXX  for these violations if this item is not DELETED within the time allowed by law. I will also file suit against Transworld as they are held responsible for reporting this violation. 

i urge you to take this matter serious and I expect a response from you within the allotted time given by law. 

regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, indiana XXXX
Product: Credit card

Requesting PNC Credit Card to Reverse the Charge-Back of {$7500.00} on Card Ending ... XXXX I was hired as a Purchasing Agent for a Co. called XXXX XXXX XXXX , an online company based in NY in XXXX, 2016. My job was to make purchases for this Co. initially using my credit card and they reimburse me afterwards by making payments on the card from their " supposed '' corporate account with XXXX XXXX. Of course I objected to this proposal and they agreed to first pay off the balance of {$7500.00} on my PNC XXXX XXXX ending with XXXX. My card payment was initiated on XXXX XXXX, 2016 from the XXXX XXXX XXXX ( Routing:XXXX & Acct # : XXXX ) and when I checked the balance online on XXXX XXXX, it was " XXXX ''. 

Reason for Dispute with PNC Being suspicious of the possibility of the payment being reversed, I waited for almost XXXX week before I proceeded to make the purchases on my PNC Cashbuilder Credit card ending with XXXX which included gift cards from XXXX, XXXX and XXXX. On XXXX XXXX, with the card balance showing zero online, I called the customer service to check with a XXXX who confirmed to me that if the check has not been returned within XXXX hours, the chances are that the payment from XXXX was successful and went through. I checked the account again XXXX. XXXX and it was still XXXX balance. 

However on XXXX XXXX, when I checked the account balance, it was {$7500.00} ( XXXX + XXXX )! With my XXXX raising, I called CS ( got transferred to dispute dept, then Payment Resolution for more than an hour ) to find out what 's going on. I was told the check was returned ( AFTER 12 DAYS ....! ) So I asked WHY WAS THEIR NO INDICATION ON MY ACCOUNT THAT THE PAYMENT WAS PENDING ALL THESE WHILE SO I COULD HAVE DELAYED OR NOT MAKE THE PURCHASES AT ALL? AND IF THE CARD CO. KNOWS HOW TO ADD " PENDING CHARGES '' TAB TO THE PAGE, WHY COULD N'T THEY HAVE ADDED ( " PENDING PAYMENTS '' TAB ALSO TO ALERT CUSTOMERS? OR HOW ARE WE SUPPOSED TO KNOW IF A PAYMENT DID N'T GO THROUGH BEFORE IT 'S CHARGED BACK TO THE ACCOUNT? 
This Company turned out to be a scam, I did my due diligence to protect myself and wished that PNC did the same for its cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C Systems has negatively reported {$2600.00} on my credit reports showing this as a new delinquent account. The original creditor is XXXX. I do not recognize the debt but even if the debt were mine, I've been with my current cell phone provider for over 2 years which means the cell phone debt is past the 2 year statute of limitations. At the very most, this debt ( if mine ) should be at least 2 years old on my credit reports. IC Systems just reported it negatively again ( XX/XX/2021 ). They show the account was opened in XX/XX/2021 but I didn't open an account with them. I've asked them to provide me with information on the debt ( once by phone, twice in writing ) and their response was " how are paying this debt today '' and then a letter telling me to get an attorney or something. ( Will try to find letter ). If the debt from XXXX is valid, it is over 2 years old and should be reported as such on my credit report.
Product: Debt collection

Hunter Warfield Account number # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 
I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Kind Regards, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a secured credit card account with Citi Bank about 1 year ago and sent in a {$500.00} deposit in order to have a {$500.00} credit line. Last month Citi decided to close my account due to a returned payment I had which I fully understand is well within their right. My current balance is {$590.00} and the account is now closed. I just inquired with Citi when my {$500.00} deposit will be applied so that I can pay the remaining {$96.00} and wipe my hands of them as a company. I was informed that I am required to pay the full {$590.00} balance off BEFORE they will send me my {$500.00} deposit which means for the next 6-8 months they will be making interest off my balance that Im paying AND off the {$500.00} deposit that I had given. This policy seems predatory at best and at worst illegal.
Product: Credit reporting or other personal consumer reports

I just recently reviewed my credit report on XX/XX/XXXX, and noticed some late payments for ( Acct # XXXX XXXX XXXX ) that were supposed to be on-time during the Pandemic. However, the creditor and I spoke and agreed that I was eligible for a loan modification, and we began to execute the modification in XX/XX/XXXX. After working tirelessly through multiple disputes to Experian and phone calls to rectify the inaccurate reporting, I wrote a letter to the XXXX, XXXX and called again to inform the lender of the below reporting act but nothing has been updated. ( Letter enclosed ). 

SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall - report the credit obligation or account as current ; or if the credit obligation or account was delinquent before the accommodation - maintain the delinquent status during the period in which the accommodation is in effect ; and- if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **To : ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Request for Removal of Incorrect Addresses and Name Variations **Credit Report Date : ** XX/XX/XXXX **Name : ** XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit reports from XXXX, XXXX, and Equifax. Upon reviewing my credit report, I noticed the following incorrect addresses and name variations that do not apply to me : 1. **Addresses to be removed : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. **Names to be removed : ** - XXXX XXXX XXXX XXXX XXXX XXXX The only correct name is XXXX XXXX XXXX XXXX and the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not live at the addresses listed above, nor have I used any other variations of my name. 

Please remove all inaccurate addresses and name variations from my credit report. I kindly ask that this information be updated and corrected as soon as possible to reflect only my current name and address. 

Thank you for your prompt attention to this matter. Please notify me when these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appealing on my consumer credit report that results of identity theft and fraud with 4 business days of you recieving this complaint. This fraudlent, inaccurate, and false information consists of a personal credit card account opened at Robinhood credit, on XX/XX/XXXX under the account named XXXX XXXX, another credit card account XXXX  card services XX/XX/XXXX, I cant give the exact dates of both of theses accounts opening all I know there have been a data brench and I have been recieving letters concerning this matter also mail being stolen out my trash. Theses accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report.
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- XXXX XXXX  XXXX : # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX : XXXX XXXX ; ACCOUNT NAME- XXXX XXXX XXXXXXXX : # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXXXXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXXXXXX, XXXX XXXX ; ACCOUNT NAMEXXXX XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, XXXX XXXX ; ACCOUNT NAME- XXXX XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX, XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX # XXXX ; ACCOUNT NAME- XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account that keeps deleting and place back on my credit report. 
XXXX XXXX XXXX  # XXXX
Product: Debt collection

Berks credit and Collections continues to report on my credit files that I owe XXXX different amounts as XXXX different collection accounts. I have made numerous attempts to communicate with Berks to inform them that these accounts do not belong to me as Berks are unable to provide verification that I own the debt : ( ie. my signature )
Product: Debt collection

According to 15 USC 1692e ( 3 ), a debt collector, in collecting a debt, may not use any false, deceptive or misleading representation i.e. a debt collector may not falsely represent or imply that he or she is an attorney or that communication is from an attorney.

I hereby put your firm notice that it has violated the provisions of the above-mentioned section.

Further, as per the judgment made in the case of George W Heintz V. Darlene Jenkins, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer-debt collection activity, even when that activity consists of litigation. Therefore, as per the judgment mentioned herein, your firm is liable as a debt collector.
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 Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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

They are attempting to collect a debt for amounts not owed. They advise me that the bill is incorrect and acknowledged it themselves. they advised me that a final bill hasn't even been produced by XXXX but are trying to collect amounts that are not owed. and when a credit is due. so they are collecting a amounts not owed and they state that they can not follow dispute with XXXX 's even though they now have the account and the account was only the deactivated on XX/XX/XXXX but it's already in collections.so I want them to cease and desist all collection actions. I want the collection sent back to XXXX these amounts are not owed. I will pay for the days of service are utilized but they refused to take payment for that as well so this that is no longer owed and they need to not add this to my collections otherwise I will file Suit for a {$1000.00} for every violation as well I'll Sue for violation of the debt collection act they refuse to take payment and they admitted themselves these amounts are not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about six accounts that were charged off in late XXXX, early XXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with XXXX, Experian and XXXX to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money.

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section 184 for Native Americans ), the guidelines are strict, I know how it works, I work for XXXX XXXX XXXX XXXX XXXX XXXX myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?
Product: Debt collection

On approximately XX/XX/2024 I mailed a certified letter that was notarized, in the form of an Affidavit to a debt collector requesting " Validation '' of an alleged debt and not the standard Verification.

This is my right as a consumer : 1006.34 Notice for validation of debts ( CFPB ) 15 U.S. Code 1692g - Validation of debts ( US TITLE 15 ) About 3 weeks later, this same debt collector did not respond with an Affidavit. They responded with a regular standard mail with a computer-generated Verification form. I need help from the CFPB because they are ignoring congressional laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax 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

In XXXX I closed an account with XXXX/XXXX  XXXX. At the time, I paid off all money owed on the account and it showed a {$0.00} balance. The account was closed. I later confirmed through my online portal that the account was closed and had a {$0.00} balance. 

After being contacted by the agency, I confirmed with XXXX/XXXX  XXXX through their support department that I had properly closed the account, had owed no balance, and still owed no balance. I also confirmed that they had not attempted to contact me about any past-due balance. 

The Company says they verified the debt with XXXX XXXX, but provided no documentation of such.
Product: Vehicle loan or lease

After following the instructions on how to pay off the loan in full ( provided to me through the banking app ) I paid the total amount left to be paid. After almost a month and not receiving my title in the mail, I looked back on the app and it showed that I had a late fee, I was very confused by this so I contacted the bank via chat. They said that my payment didnt count as a payment because I didnt paid it all the way off. ( Even though my balance was XXXX ) the person I was chatting with gave me several ways to pay it off including using the app, and since I dont live near one of the banks branches, I tried again Thru the app. With no luck I call customer services, They said that the only way to pay it off was by calling customer servicesso I asked them if I could go ahead and pay it off, they said they couldnt take payment over the phone! ( But like I said, I followed the instructions given to me and my balance was XXXX ) Getting even more confused, and honestly annoyed! 
I have never been late on a payment and now they are charging me interest on a XXXX balance and on top of that they are charging me late fees. At this point its a matter principle! Im so glad I took screen shots of the chat and of the fact the by balance was XXXX and the fact that I had already paid it offbecause now none of my payments or records will pull up online. I even took a screen shot of the instructions that I followed to pay off the loan. My goal now is to have them expedite my paperwork and over night my title to me, since I paid off my loan almost a month ago. And In a perfect world they should refund me the money they lied and said I still owed. This bank was 5th 3rd and I will never do business with them again.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report, violating 15 USC 16c-2, and they are harming my credit rating. I did not authorize the hard inquiries.
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 protected consumer rights to privacy and confidentially under 15 U.S.C .1681. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX CHILD SUPPORT accXXXX 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 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, other than reports of convictions of crimes which antedates the report by more than 7 years.

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

I had disputing this account with XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXXXXXX XXXX XXXXXXXX has already removed this item from my file .everytime I dispute it threw Experian they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 2 late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints here are my supporting documents again