23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/18 an alert appeared on my credit file with a collection in the amount of {$5000.00}. I immediately called Amsher as I didn't recognize the debt. I had not received any notice of a debt before it being submitted to the credit agencies. When I reached someone at the company, I was told that the debt was a business debt, and was transferred to their business department. I was told it was a debt from a company I worked for. I explained that the company debt was not my own, and was immediately transferred to a man who stated he was the CEO. 

I asked why I never received a letter about a debt, and how they determined that I was liable for the corporate account? He stated that they are not obligated to send letters nor verify who is responsible. I then asked for his mailing address so that I could send my request in writing. He goes on to say that I needed to " care about my money, I'm responsible, I needed to be quiet and let him speak '' and so on. He also stated that he wanted to make me an offer to settle the debt for approximately {$3000.00}, even though I told him the account did not belong to me, which the company was already well aware. 

Very upset, I kept insisting on his name and address for about 10 minutes. He then started to belittle me stating that " let me pull up XXXX and show you how easy it is to get our address ''. The inappropriate exchange was at least 15 minutes before he finally gave me the address so that I could submit my request for a debt letter and verification in writing. I then hung up. 

All of this because I never received a debt letter so that I could verify the debt and dispute as necessary. When I attempted to dispute with the credit bureaus, Amsher still refused to research the account, even though I submitted my final bill from XXXX showing that I didn't owe the debt. They also called other employees of the company stating that I owed this debt. This company is a scam who is only in the business to force anyone to pay a debt ( which they purchased ), even if not legally obligated to do so.
Product: Debt collection

The debt in question is in dispute, and according to the Fair Credit Reporting Act, National Credit Systems , Inc. has stated they reported this debt to all XXXX credit bureaus in the latest letter we received. Once more, we gave evidence to show them per their request, the issues surrounding our " special '' circumstance as to why we no longer live at the address in question. Instead of handling and actually looking into the matter, we got a " robo '' letter with changed dates from one of their many locations of their company sent to us with the same explanation as to how they do not see sufficient evidence to validate our claim. I believe we are fighting with a computer and not an actual company. I believe now I am going to have to fight back and take action, and I am beginning with you. They must comply with the Fair Credit Act and take us off the credit report. It is against the law when a consumer is disputing a debt to still report a debt. I am sure the fines they would get from the government for this would outweigh my debt tenfold.
Product: Debt collection

During XX/XX/XXXX, I received numerous telephone communications from Affirm, an installment loan financial lender, notifying me of their efforts to recover an alleged debt. According to the information provided, my personal details were exploited to secure installment loans totaling {$2800.00}, subsequently utilized for purchases from XXXX and XXXX XXXX. Responding promptly to these notifications, I initiated contact with both entities in XXXX. Representatives from XXXX XXXX and XXXX explicitly affirmed that there was no record of transactions made by me or using my personal information. 

To substantiate my claim of non-involvement in the alleged transactions, I provided Affirm with an XXXX reference number in XXXX, confirming the absence of purchases facilitated through an Affirm-acquired loan totaling {$2800.00}. Despite presenting this exculpatory evidence, a prolonged investigation occurred throughout XXXX and XXXX. Affirm representatives persistently pursued debt collection during this period, despite my ongoing dispute. 

On XX/XX/XXXX, Affirm communicated via email, asserting my continued liability for the debt totaling {$2800.00}. However, no details or information regarding the investigation were provided. Affirm further labeled my assertion and accompanying documents as " unauthorized. '' In addition to my ongoing dispute with Affirm, I reiterate that my dispute is rooted in communications with XXXX XXXX and XXXX, both of which confirmed no record of purchases made with my information. Additionally, I complied with Affirm 's request by submitting an Affidavit for fraudulent charges, accompanied by a police report and a Report of Identity Theft filed through the Federal Trade Commission ( FTC ). 

Subsequent to the failure to notify me of any investigation or details associated with my request for an investigation, Affirm proceeded to send me to collections. Consequently, this debt has been reported as a derogatory account on my credit report, resulting in significant financial harm and numerous phone calls daily by the debt collector. 

In XXXX XXXX XXXX, I received correspondence from a debt collector, specifically XXXX XXXX. Engaging in communication with them via email, I explicitly articulated my request for details and information regarding the debt they were contacting me about. While my email was acknowledged, the requested information was not provided. To my dismay, I later discovered that XXXX XXXX had reported me to the Credit Reporting Agencies.
Product: Credit card

Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.
Product: Checking or savings account

On XX/XX/XXXX  my bank account was showing that I had XXXX in it. I received a notification on my phone when I checked my online bank account. This was the combined total of the {$100.00} that I currently had in it along with the expected {$5700.00}. Since my account was positive I paid some bills. However, NOW, I'm seeing that my account is showing a negative balance of - {$470.00}. I feel like they are crediting my account but then taking that amount that is deposited if it means that my account will go negative
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account ( SANTANDER with account number XXXX ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian website will not allow me to place a security freeze on my account. When I call to place one by phone, I am told that I can't speak to a person and am only given the option to place a freeze on the website or by mail. I am not comfortable mailing the documents they are asking for, which seem to be more than is necessary.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any XXXX XXXX XXXX has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted XXXX asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both XXXX and Experian have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. 

The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement. 
FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. 
Despite my formal disputes, XXXX and Experian have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. 

I request that the CFPB investigate the following issues : XXXX and Experian 's failure to conduct reasonable investigations into my disputes under FCRA Section 611. 
XXXX XXXXllegal re-aging of the account and continued furnishing of inaccurate information. 

The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. 

Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$3100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX TELEPHONE NUMBERS NOT RECOGNIZED XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX WAR XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES NOT RECOGNIZED XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear CFPB : this matter is in regards of a debt of : {$640.00}. This bill from one of the hospitals i was there around XX/XX/2018, and I aplied for charity care. The collection agency wrote me a letter dated : XX/XX/2018 and I answer them before the 30 days. I explain to them DO NOT CALL ME, DO NOT HARRAS ME, to please to get in touch with the hospital financial/charity care office. I also ask them to mail me within 30 days bye State and Federal Laws. Copies of my bills, receives, copies of my policy number and also i told them do not call me any more and to contact my attorney if need it. Thank you Very truly yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in hopes that Transunion will be held accountable for not doing their job. I have incorrect reporting on my credit report that I have attempted to get corrected for the last six months. I have sent in dispute letters to have these incorrect entries fixed but have not been able to. I have been receiving stall letters from Transunion. I have included the most recent one below. Under the FCRA I have every right to dispute errors on my report as it directly damages my ability to finance credit. I am writing on two accounts specifically that have multiple reporting errors/payment history that have gone un-investigated by Transunion for more than 30 days and must be removed immediately per the law. Under the FCRA these accounts must be corrected and/or deleted in that time frame with an investigation which they have not. These incorrect negative reporting payments are holding me back from financing credit. I am prepared to file a lawsuit against Transunion based on this lack of investigation into this false information. I have listed the following accounts that are incorrect on my report. Per the representative at Transunion on a recorded line, they received my disputes on XX/XX/2022. Neither of the below accounts have been investigated and nothing has been updated on my credit report. Per the FCRA the accounts need to be removed. I would like them removed immediately. Both contain false payment history and incorrect dates. 


XXXX XXXX with Account number - XXXX XXXX XXXX with Account number - XXXX
Product: Credit card or prepaid card

I received a credit card from Capital One back in XXXX XXXX, I needed this card due to a divorce due to being put in a Domestic XXXX situation I only had a small pension and needed money to get my divorce started and get away from him as he left me broke ... .then I ended up needing to take {$100.00} in cash from the credit card in early XXXX or late XXXX and after I did this my monthly payment went from about {$25.00} up to {$300.00} a month, I have called Capital One numerous times asking them to lower my credit card payment and they refuse to do it since I borrowed {$100.00} in cash from them, and each time I do call about it they will give me a {$75.00} credit, my XXXX XXXX statement came out and it said that I did not need to make a payment so now that my XXXX statement is out they are now saying I need to make a payment of {$410.00}, I have never once been late with my payments and I have never missed a payment so all of XXXX and now XXXX I have been paying a monthly payment of {$300.00} to {$410.00} a month all because I took out a cash payment of {$100.00} back in XXXX, Capital One is XXXX me ... ... I need help with this credit card company because of the high monthly payment I am making I am so broke that I need to keep using my credit card and I have paid well over {$7000.00} and I still owe {$10000.00} on this card!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I the consumer and natural person was denied credit by Chase when I applied for a Chase Credit Card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

Chase is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Chase due to the response I received.

Chase is in violation of 15 USC 1642, USC 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorize use of credit card ) on behalf of Chase 15 USC 1602p.
Product: Debt collection

This debt is not valid its meets FCRA requirements - I was never notified about this debt - I am not liable for this debt