23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received numerous calls regarding a debt that I owed to a college I attended. When receiving those calls my personal information including my ssn was requested in order to verify the account. I advised numerous representatives that I would like the information in writing. Due to being leery of scams and identity theft, I would not supply my personal information to an unknown source. When I did not receive any of the requested information, I contacted the school to find out the name of the collection agency my account was referred to. I was provided a different name other than Enterprise Recovery Systems. I then started making payments to the school directly thinking the company was not legitimate. Enterprise Recovery later placed the collection account on my credit report ; I disputed it because I was never properly informed of the debt. After the dispute was filed, I received notification of the outstanding balance via mail ( today. ) I contacted Enterprise and the representative advised there were numerous calls but my identity was never confirmed. I explained that was correct because I would not give them my ssn via telephone. I advised her that I will be paying the balance in full and requested the collection be removed from my credit report due to lack of and improper communication. She advised they wo n't remove it they will only place paid in full on my report which I think is unfair.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously.

Notice this account is being currently litigated in Court by a third-party debt collector COOLING & WINTER on behalf of XXXX XXXX XXXXXXXX who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support XXXX XXXX XXXXXXXX XXXX. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to XXXX XXXX XXXX XXXXXXXX of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of XXXX XXXX XXXX XXXX. by COOLING & WINTER LLC against the consumer
Product: Credit reporting or other personal consumer reports

When applying for a Mortgage Equifax is reporting my social security number, accounts which are not mind and accounts which have been removed by XXXX and XXXX as out dated information. 
Equifax is reporting a credit score XXXX  XXXX, XXXX as a XXXX. They are reporting XXXX Serious Delinguency and derogatory public record or cllection filed. 

XXXX Number of accounts with delinguency and XXXX XXXX since delinguence is too recent XXXX XXXX XXXX XXXX XXXX as an open account and charged off XXXX XXXX XXXX XXXX ( XXXX accounts XXXX for XXXX and another for XXXX They are reporting my SSN as a different number. I have repeatly sent information in to the XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have sent information to the XXXX XXXX XXXX XXXX, Georgia XXXX. 

I have called on numerous occassions. 

I have put in a compliant with CFPB on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and This is the Final attempt XXXX. 

All items which are not debt vaidated which show a contract with my correct and birth social security number must be removed.
Product: Vehicle loan or lease

I purchase an auto loan on a used car, XXXX XXXX XXXX, through XXXX XXXX XXXX in XXXX XXXX, NJ. Bank is named 53rd bank, contact number XXXX. In XXXXXXXX XXXX XXXX I became unemployed and contacted them with this information. Their response was that I was not eligible for their hardship program and that I should pay what I could. There is a note by my account that says " User memo 8 add '' around the time I called. I did just that and when I became a Full time employee in XXXX the account had been charged off in XXXX. I contacted them about that to dispute it Their response was that I could not dispute the charged off account and that I should have received a letter in the mail. I did not receive the letter in the mail because I moved in XXXX and had issues with forwarding mail to my current and updated residence. There wasn't even an email. 
I have reach out to many different financial institutes to cover the loan, but non are willing to work with a charged off account.
Product: Credit card or prepaid card

This is a fraudulent number that calls me everyday pretending to be XXXX. The number is XXXX XXXX XXXX
Product: Mortgage

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent communication and actions taken by [ Lender 's Name ] in regards to my mortgage situation. 

As you are aware, I have diligently attempted to explore options for reinstating my mortgage or obtaining a loan modification to alleviate the financial strain I am facing. However, the solutions provided by [ Lender 's Name ] have been both unexpected and challenging to manage. 

On XX/XX/XXXX, [ XXXX ], I was informed that my only option for reinstating my mortgage was to pay a lump sum of {$26000.00}. This proposition came as a significant financial burden, and despite my efforts, I found it challenging to meet this requirement within the given timeframe. 

Subsequently, [ Lender 's Name ] initiated a loss mitigation process, offering a glimmer of hope for a more manageable resolution. However, the recent development of presenting an alternative solution, requiring a lump sum payment of {$27000.00} by XX/XX/XXXX, has left me feeling overwhelmed and uncertain about my future. 

Throughout this process, the correspondence received does not align with the verbal discussions we have had. I feel disheartened by the lack of clarity and consistency in communication, which has added to the stress of my situation. 

As a dedicated homeowner who values the importance of fulfilling financial obligations, I am reaching out to request a more empathetic and collaborative approach to resolving this matter. I kindly ask for transparent and detailed information regarding the available options and potential alternatives that may be explored. 

Furthermore, I urge Gregory Funding to consider extending the deadline for the lump sum payment, allowing for a more feasible timeframe to gather the necessary funds. This gesture would provide much-needed relief and demonstrate a genuine commitment to supporting customers during challenging times. 

I appreciate your attention to this matter and kindly request a prompt response to discuss potential solutions further. Thank you for your understanding and cooperation. For there is a sale date of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so these accounts need to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all XXXX the XXXX above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you to delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Credit card or prepaid card

1. I scheduled a payment of {$440.00} to pay off my XXXX balance. But on XXXX, I found two transactions on my bank account, both of them are {$440.00} and charged by Apple Card , which means I am being charged twice without my authorization or acknowledgement. It is a serious violation. 

2. When I disputed it with Apple Card customer service, they said they will refund me, but refused to explain any details or admit the mistakes.  On XXXX, I found out my card balance somehow increased from {$230.00} {$700.00}. But since I paid off everything before XX/XX/XXXX, the current balance should be my XXXX spending which is {$230.00}. So I tried to contact Apple Card to fix it. But they can not find out the problem. It is a violation again!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : I had this service.

What services I am being charged for.

What the cost of each service I am being charged for.

Furthermore, { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be validated with contract signed by me or removed immediately. 

Name of Account Account Number Validate : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ECON Account XXXX XXXX { dispute_explanation } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : XXXX XXXXXXXX
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  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Credit card or prepaid card

Hello, My Citibank card ending in XXXX was set on autopay for my wifes engagement ring insurance and charged on XX/XX/XXXX. The card was charged {$57.00} for the year and there was no previous balance. 
On XX/XX/2021 Citibank received a payment from my bank in the amount of {$57.00}. This payment would have brought the balance down to XXXX. Unfortunately the payment was made 3 days late and as a result citi charged my account a {$29.00} late fee. 

I did not realize that I had been assessed a late fee until I checked XX/XX/2021 and Citibank had charged a {$40.00} late fee on top of the previous late fee. 

I reached out to customer service and asked them to assist with a potential refund of both late fees since the account does not have a history of late fees and the card is at a XXXX balance. Customer service did not waive both late charges. They waived the {$40.00} late fee but made me the {$29.00} late fee. I still feel this to be a predatory practice as Citibank could have waived both late fees especially considering the account is now back to a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

They promised it wouldnt effect my credit score they put it on twice XX/XX/year> also XX/XX/year> but it changed this the last reporting next attorney matters
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent XXXX 609 letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/Walmart ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the 609 letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX  didn't respond. 

XX/XX/XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/Walmart account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( 609 letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
Product: Debt collection

This action is against XXXX XXXX and the offices of McCarthy, Burgess & Wolff. 
In approximately XXXX of XX/XX/XXXX I was subleasing office space and the landlord wanted the space back to accommodate a large company coming in so I need to cancel/suspend my internet service from XXXX until I found a new location. In the interim I am working from a home office that I currently have XXXX internet service. There was no place to mark the XXXX form for suspension of service only termination of service. 
My account was quickly turned over to the collection agency above for collection of approximately {$4200.00}. I have sent letters to XXXX XXXX and have never received an answer from them, just silence. I have filed a complaint with the FTC in XXXX of XX/XX/XXXX and I do not know the status sine they have not communicated any action to me. I was in phone contact with a XXXX ( XXXX ) XXXX and I felt like things were being taken care of, however, in subsequent calls to XXXX I have had to leave a message and never returns my call.I am a 15 year customer of XXXX for telephone, TV and internet. Thank you for your assistance.
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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 


15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Checking or savings account

Been a member with NFCU since XXXX  was being charged over draft fees, bank account was closed due to my over draft fees. Over XXXX in fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX XXXX inquiry ( Trans union XXXX XXXX XXXX  ( Trans union ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXXXXXX  - XXXX  XXXX ( XXXX ) Blank XXXX XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( Trans union )  Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( Trans union ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXXXXXX  XXXX XXXX ( Trans union , XXXX ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX ( Trans union , XXXX XXXX XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to have XXXX investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.
Product: Checking or savings account

There was an issue with a check that I deposited from another account. Today I called as my checking was placed on hold. I was told by the perks that the account was now closed but they refused to provide details saying they will not explain why.