23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was added to my credit report XX/XX/2023 by XXXX XXXX XXXX. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : Pentagon Federal Credit Union Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX  [ DOCKET NO. XXXXXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with capital one auto loan, I request to the credit bureau and capital one to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"
Product: Debt collection

XXXX of last year I was in a rough spot and couldnt pay my car insurance. It got sent to collections XXXX XXXX XXXX and I never noticed until I tried getting insurance again and it said I need to pay that to be insured with the,. But I would be able to pay it if it can get split up into payments its just the whole XXXX that I owe I just want a more flexible way to pay it
Product: Debt collection

Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : 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 We will file suit if these calls do not cease.
Product: Debt collection

On XX/XX/XXXX I received an email from Jefferson Capitol Systems claiming I have debt with sprint. I do not and have won the disputes with the prior 3 companies that tried to collect on this debt. The last time I won a dispute was over XXXX  years ago. There is XXXX reason this debt should be continuing to be sold to other debt collectors. I responded immediately notifying that my name is not XXXX XXXX ( my name change went through in XXXX ) and to not contact me via email, phone or mail. I then get contacted by my bio parents last week that they got a letter for me that was sent to their address. I moved out of their house before opening an account with sprint. The letter is dated XX/XX/XXXX. This is not only a violation of my no contact request but also harassing my relatives which is also illegal.
Product: Debt collection

XXXX XXXX or IQ Data has purchased a debt from XXXX at XXXX XXXX XXXX that does not exist. XXXX at XXXX XXXX XXXX is currently under suit by me. 

The attempted an Unlawful Detainer that they could not substantiate. I have a subsequent hearing in Small Claims court in my suit against this property. No stipulations exist within the court system and XXXX at XXXX XXXX XXXX ( XXXX ) communications contradict any and all statements with regard to an alleged " debt ''. 

The amount they claim owed can not be verified by XXXX who own and run the property. I have all the ledgers from my past year at this property. 

They are still libel for damages to my property and code violations. 

The debt as previously stated can not be verified. 

IQ Data contacted me and refused to name the party they obtained the debt from and harassed me for a day until I was forced to block the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are damaging my reputation, and defaming my character by reporting Information that goes against my rights, and the laws of congress. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.
Product: Checking or savings account

Regions bank frozen my bank account for no valid reason. They not giving me any reason even when i visited the branch. I have funds in my bank account and most of my payments got returned. I am suffering damaged and returned payment fees because they froze my account. I started new job and deposited my first check since then my account is frozen and i cant have access to my funds. Its illegal to hold my funds for no reason. I have never committed fraud neither my balance ever became negative. 

My account is frozen from XX/XX/2019. 
I am asking CFBB TO help me because i am unable to reach anyone help me with this awful scam bank. If i dont get my funds i am going to the court. 

I am 5 years customer at the regions bank. I will never do business with them. I have suffered alot to cover up the returned payments.
Product: Credit reporting

on XXXX/XXXX/2016 I file a dispute with Equifax about a Bankruptcy on my credit report as of XXXX/XXXX/2016 I have not received a response yet according to fair credit reporting act the have 30days to respond compliant # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information that appears on my credit report. I have noticed that there are collection accounts listed under my name from LVNV Funding and XXXX XXXX XXXX, which I believe are inaccurately reported and are not mine.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that I believe to be incorrect. Specifically, Section 611 of the FCRA [ 15 U.S.C. 1681i ] provides the right to dispute incomplete or inaccurate information. I request that you investigate and remove these incorrect entries from my credit report.
Product: Checking or savings account

Synchrony Bank has restricted access to our account with more than XXXX in the bank. They have not resolved the issue in more than 72 hours. Reference account number : XXXX. High Yeild savings account. We have made three calls to the bank in the past week without resolve. Each time we are told that it will be another 48 hours. We want access to our money now. This is the message listed on their website that restricts access to the account as we can not transfer money our or in. Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

There are XXXX  accounts on my Experian credit report that are fraudulent. 1. XXXX  XXXX account that appears as closed on my credit report from XX/XX/XXXX. This is not my account, I asked to the company to produce my signature on a contract for credit. I did not receive any documentation. 
2. XXXX XXXX  XX/XX/XXXX another account that is fraudulent and I asked the company to produce my signature of credit I applied for. The company failed to produce that information. 3. XXXX XXXX XXXX XXXX XX/XX/XXXX Experian only has failed to produce a signed contract agreement that I would have had with them. 4. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX is another fraudulent account that doesnt belong to me and the company failed to produce a signed contract agreement with my signature ( shows only Experian XXXX XXXX only ). 


There are XXXX hard inquiries on my XXXX report that fraudulent and do not belong to me. The first XXXX is XXXX XX/XX/XXXX. I called and ask the company to supply me with a contract and agreement where I asked for credit. I do not have any loan and or credit on my report that associates with this creditor. The second one is XXXX XXXX XXXX XX/XX/XXXX. This is a fraudulent inquiry that I did not apply for nor have any account linked to this. I asked the company to produce my signature on any agreement for credit. They failed to provide me with any documentation. I would like to have these accounts removed from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I Asked your company to conduct an Investigation XXXX  / XXXX XXXX XXXX at the Start of XX/XX/XXXX You claim you did and investigation you claimed you verified and updated the account However this account was Never verified because the Date of update still show XX/XX/2019 How is this possible? Transunion I'm sick of your XXXX  games The FCRA States very clearly That you have to conduct a fair and accurate investigation You guys are so busy trying to make a profit Off of consumer you don't care This disputing takes a lot of XXXX  time writing up and spending money on certified mail making sure your worthless company is getting consumer dispute but yet you are sitting on your XXXX  changing this information at stroke of a XXXX  key XXXX XXXX Take a look at my credit report that was dated XX/XX/19 and take a look at the update date I see XX/XX/2019 How in the XXXX is this Possible major FCRA VIOLATION I Wonder how many other disputed have you did this On and how many other consumers are you doing this Too? Transunion this is Very dirty on your part. But I Will tell you this much you think this is a game? if you DO NOT REMOVE THIS ACCOUNT FROM My credit file it will be some serious issue I promise you also since you are showing who you really are I'm requesting the Following information to see if you are in fact doing your Job. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I WILL NEED ALL THE CREDIT APPLICATIONS FROM EACH TRADELINE FROM YOUR OFFICE SINCE YOU CAN'T CONDUCT A PROPER INVESTIGATION I WILL NEED THIS INFORMATION FROM YOUR AND I WILL BE WAITING IF YOU ARE UNABLE TO SEND THIS INFORMATION PLEASE DELETE AND BEFORE WE GET STARTED I DON'T WANT YOU SAYING YOU DON'T HAVE TO PROVIDE THIS INFORMATION YOU ARE RIGHT IN 1 WAY If I would have disputed with you online then Yes you are right But Guess what I never disputed with you online so you have to Give me the requested information
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS 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: Debt collection

Date : The year of XXXX : Fraudulent charges were debited and credited from my account while I was XXXX  and XXXX  compromised by XXXX Date : XX/XX/XXXX - Lawsuit filed against me, XXXX XXXX for Best Buy ( Citibank ) XXXX credit card debt Date : XX/XX/XXXX : Papers were served to me at my home at XXXX XXXX XXXX, XXXX, TX XXXX XXXX of debt : {$14000.00} Summary of Actions : XXXX falling XXXX XXXX XXXXXXXX that compromised XXXX XXXX XXXX XXXX XXXX XXXX  my identity was compromised along with several of my credit cards, among them were Best Buy XXXX and XXXX. 
XXXX filed for identity theft with the credit bureaus under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial.

3.The creditor, Citibank sold of transferred the debt to XXXX XXXX XXXXXXXX XXXX Delaware, which further sold or assigned the debt to XXXX XXXX also in Delaware ( see attached assignment papers ) XXXX am now in the process of filing a response to the lawsuit by XXXX  ; however, I need you to intervene for a dismissal of these charges, since I can not afford legal representation as of my currently depressed financial state.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the first time applying for a mortgage with XXXX XXXX back in XXXX of 2022 a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from XXXX XXXX. I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from XXXX XXXX  would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from XXXX XXXX. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXXn which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all XXXX of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
Product: Debt collection

There 's a debt agency calling me everyday 6 times a day. Will not tell me who they represent or leave a voice message. They want me to give all of my info to them before they speak with me. I will not verify my information for a company I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a  Home Equity loa n. When I received the property report on  XXXX   XXXX ,  XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number -  XXXX  Plaintiff - Discover Bank  Address  -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , OH  XXXX  Date Recorded -  XXXX / XXXX / XXXX  Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX ,  XXXX . on  XXXX   XXXX ,  XXXX . The attorney asked me to confirm the last  XXXX  digits of my social security number. He advised me that the social security number he had on file had different last  XXXX  digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( 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, credit repair services, or other personal consumer reports

Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX