23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am working from home and received a call from my phone/extension number from my physical work station : XXXX on XX/XX/XXXX. I answered and was informed that there were officers at my office to serve me for an outstanding debt. 
Since the call came from my extension at work I believed they were standing at my desk, which can only be accessed by badge entry, however I was not notified by any one from work of this activity. I was embarrassed and mortified that there might be officers at my work serving me papers for a lawsuit. 
The person that called me from my work number gave me the phone number XXXX and case number XXXX to call. 
I called XXXX and gave the case ID # XXXX and was informed that I am in the process of being sued and that officers were sent to my work to serve me with a warrant for an outstanding debt from XXXX XXXX  and was advised that I could stop the proceedings by paying the debt. I felt extremely embarrassed by the situation and I did not want to go through the humiliation of officers going to my work place again. I used our rent money to pay off the total of {$850.00} that was being collected from me for a payday loan I defaulted on in XXXX because my husband was unemployed. The cost included the loan balance, the cost of the officers sent to my office and the legal costs accrued. The original loan amount was for {$250.00} and the outstanding balance was {$290.00} I believed everything they told me and I do not believe their tactics to collect the debt were legal or ethical. They used intimidating and humiliating tactics that should not be used. It is bad enough that my credit score has suffered for unpaid debts, but NMRC Collections completely crossed the line. I never received any confirmation from my work that anyone was at my desk on XX/XX/XXXX and if no one was there, then someone cloned my work phone number to make me believe the situation they described to me in order to intimidate me into paying an outstanding debt! I did not receive notice from NMRC that they were collecting a debt from me in writing either.
Product: Money transfer, virtual currency, or money service

On XXXX i wired an amount to a XXXX XXXX account. On XXXX I cancelled the wire to the XXXX XXXX account through PNC. XXXX I closed my PNC account due to fraud and opened a new account with PNC. XXXX wire from XXXX XXXX comes to my now closed account from the wire cancellation. PNC rejects the wire because the account is closed and does not notify of amount coming into my account. I see there is a wire deposit and then it has a wire outging amount as well. This was then removed from my new account eliminating the record. XXXX Call PNC to get situation rectified and end up hearing they can not do anything because the account was closed. XXXX XXXX can not help because I do not have the account and each side says the money is with the other bank.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are three errors on my TransUnion and XXXX credit reports. They are as follows XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX These three accounts are not mine and have to be removed off of my TransUnion and XXXX credit reports ASAP. My XXXX report is free of all false information and shows my true consumer potential.
Product: Money transfer, virtual currency, or money service

I purchased 6 pairs of shoes online using Paypal. I selected " Goods and Services '' as the purchase type, which Paypal claims is protected by their Buyer Protection. The seller did not send me anything for XXXX month, then submitted a tracking number that was invalid, then finally sent 1 pair of shoes, which was not the right size. I opened a Dispute through Paypal under their Buyer Protection guarantee. The seller kept telling me that they would send the rest " as soon as I close the Paypal Dispute '', which I was unwilling to do. Paypal is investigating the dispute but said I should file a law enforcment/regulator report on this issue. This is what I am doing now exactly as they stated.
Product: Debt collection

I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 24 years old and at this point I want the garnishment removed and the debt to be forgiven. 

I spoke to someone with this company less than 6 months ago who told me I owed $ XXXX with fees and interest and when I spoke to them today they are saying I owe approximately $ 13K when I asked how that much interest accrued in short time he was very rude and condescending. I dont believe I owe what they are saying and I shouldnt be garnished for a 25 year old debt.
Product: Credit reporting or other personal consumer reports

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

Dear Bureau.

Hello, I am XXXX XXXX writing to request that you correct the inappropriate information on my credit report. This inquiry does not belong to me. I am attaching to you the documents and my appeal to the CFPB In accordance with the law, I have the opportunity to demand that you respect my rights. 
Please remove this inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

I mailed a dispute via Certified U.S. Mail ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that Experian DELETE the XXXX XXXX XXXX  account from Experian consumer report due to FCRA violations. The Certified Mail Receipt shows that Experian received my dispute on XX/XX/XXXX. According to the FCRA Experian had 15 days to comply with 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ). 

I have already disputed the XXXX XXXX XXXX account several times in the past, so, therefore Experian does not get another 30 days to reinvestigate a previous dispute. 

According to the FCRA Experian was required to conduct a reasonable reinvestigation of the disputed information as I requested per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. ACDV form is not sufficient as per the above sited laws. 

On XXXX XXXX, The Eleventh Circuit Court of Appeals ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law.

Experian has failed to meet its statutory obligations and is knowingly and willfully reporting false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness.

EXPERIAN has not conducted a proper reinvestigation of my disputes as mandated by the FCRA. EXPERIAN has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my Experian consumer report within 5 days of receipt of this NOTICE.

EXPERIAN is engaging in fraudulent, deceptive, and unfair business practices by violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 

Please DELETE the XXXX XXXX XXXX account immediately due to FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out three disputes to XXXX, XXXX and Equifax on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an RFI to XXXX on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to XXXX on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to XXXX along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed
Product: Debt collection

Received letter out of the blue. Years ago, advise not to pa y one cen t. Now, at least 20 years later, a letter. Need advise Thank you
Product: Checking or savings account

On XXXX I went to my local Chase bank to withdrawal money at the ATM and when I tried to do so it told me I did not have the funds. I pulled over in the parking lot and pulled up on my phone the Chase App and noticed that there were two pending transactions one for {$300.00} and one for {$500.00} for a quick pay XXXX payment that I did not do or to a person whom I do not know. I right away went into the bank and told the teller I was hacked and all my funds were gone. She handed me a business card and told me to file a claim with the phone number on the card. I called the fraud department and filed a claim for the fraudulent charges that were still showing pending on my account. The bank froze my account and I had to go to the bank on Monday and open up a knew account and close the other account. Chase has denied my claim and now tells me I owe them {$800.00}. 

Pleased help.
Product: Credit card or prepaid card

I have purchase protection benefit with Amex card : I have purchased the item that has been stolen, Amex requested police report. 
Police report clearly stated a THEFT. 

Amex representative had stated it was " mysterious disappearance because police investigator did not examine the purse. 

Police investigator never even ask me to bring the purse into police station or to come in to police station. 

I ask to honor benefit offered under Terms and Conditions.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX  and XXXX XXXX XXXX  on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.
Product: Credit reporting or other personal consumer reports

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  Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Payday loan, title loan, personal loan, or advance loan

This company is non stop harassing its customers. Go to XXXX and you will see the amount of complaints. This company took over servicing loans from XXXX XXXX. We were told by XXXX XXXX that anyone on autopay would continue to be on autopay, nothing was required on our end. This company continues to take the payments on a regular basis ( I have the transactions to provide it ). Yet, they text and call and email multiple times a week asking you to make a payment, telling you you missed payments, REPORTING late payments. It is beyond unethical and honestly, I cant believe they have any legal ground to do this. It is beyond harassment at this point. They false credit reporting itself should be enough to shut this place down forever.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX  percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX 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 to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Purchased a tractor, sent full payment to receiver, money was received from Bank of America. It was a total scam, I was informed that the original bank XXXX knew about this receiver and transfered funds to Bank or America.
Product: Mortgage

Previously I filed a complaint against SP Servicing that they did not apply my funds appropriately. They responded back that I accrue daily interest. I demand my monthly interest amount when I paid my mortgage on XX/XX/2020 and they failed to respond to my request. They also said there was an error that had to be corrected and my previous interest was miscalculated. There was no error. They did not provide proof of the error or any documentation addressing that there was indeed an error. I demand proof of error. All they provided was a copy of my mortgage which I already have. These idiots truly believe that they can keep saying that my mortgage accrues daily interest and that justifies what they did. As stated my payment was {$930.00} dollars, but for one month they charged me over {$1100.00} interest. Interest was roughly {$500.00}. They must show how this interest was calculated or I will continue to file complaints until they do. In fact will be filing a complaint in the state of Texas where my home is located. Send me the proof I have demanded. They will refund my money.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal charges in Arkansas XXXX we're dismissed. This report shows charges pending, I lost a job due to this misinformation and needs to be removed.
Product: Credit card

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my account. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : SYNCB/XXXX  XXXXXXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.