23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XX/XX/XXXX I received a collection letter stating that I owed money to US Bank, I did not because I had a current account open with US Bank. After the hassle with the Bank correcting the issue I closed my Bank account in XXXX with a XXXX balance. 11 years since this issue was resolved I received a collection letter XX/XX/XXXX stating I owe US Bank Money.  XXXX XXXX XXXX XXXX calls me 3 times a day after speaking with the agent telling him that I do not owe any money and this is the first timing hearing from them. He degraded me saying what kind of person are you that doesn't pay what they owe. I told him to send me a letter with the information of his claims, I did not agree to anything over the phone or in writing, stating I only had one account with the bank and closed it with a XXXX balance.
Product: Credit card

I have an account with Citi and my credit limit was reduced from {$12000.00} to {$5400.00}. I called the company and spoke with a supervisor who told me because I have delinquent accounts on my credit report. I told him the information was incorrect. The told me to call the credit bureau. The email from Citi stated ( Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit ). So, why did he lie and said the credit bureau was showing delinquent accounts. I don't have the supervisors name, but I didn't like the manner in which he spoke to me. He clearly stated it was because of my credit bureau. I had just reviewed my XXXX credit file and there were no delinquent accounts on my file. The supervisor then says, he can submit a request to have my credit limit reinstated. He wanted to know my income and if I didn't disclose my income. The reinstatement could not be submitted. I told him I was not because my account should not have been adjusted. He stated, they wanted to know my income to verify if I would be able to make my payments. I have not missed a payment with Citi or any of my other accounts on my credit file. This was unjustly done, and I was first talked to badly by the representative and the supervisor. Trying to explain the information they are giving me is incorrect. I was talked to like I was XXXX. I take my credit very seriously and I would not have called if the information was incorrect. I have another account with Citi and was just given a credit increasement. This makes no sense. This is discrimination.
Product: Debt collection

I received a letter from Radius Global Solutions llc and I have no contract or debt with them nor have I received any services from XXXX XXXX XXXX account number XXXX this item was already disputed and removed prior they trying to collect a debt I dont owe or know of and also my information was compromised in the XXXX XXXX breach as well as XXXX. Also prove of XXXX being removed would be in my prior cfpb complaint if Im not mistaken to show it was removed and isnt my debt.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX8 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS FIRST PREMIER ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY GEN XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Product: Credit reporting

I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.
Product: Debt collection

A one " Transworld Systems Inc '' called me today. First thing they said was I was on a recorded line. I made them repeat the name they were calling from a few times while I could look it up. First thing that popped up was it was a scam so I just hung up before confirming it was me. 
After more research it seems to be a debt collection agency. Not sure it's a scam necessarily. I would imagine a debt collection agency isn't going to get good reviews regardless. 
I checked my XXXX and XXXX credit reports and they are both over XXXX and don't show anything that seems off. 
It has been XXXX weeks since the calls began but I have not received a letter from XXXX  explaining the reason for there constant calling of me.
Product: Mortgage

My closing was scheduled for today. I was informed yesterday that the loan company failed to send over the documents needed and they completely quit communicating with me. I've frozen my credit file, but I'm legitimately scared I'm about to have my identity stolen or something, because to completely go no contact after the loan was approved and about to be signed and notarized, this is just so weird and scary.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT XXXX Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments XXXX XXXX XXXX ( 48 Months ) XXXX XXXX XXXX Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months XXXX : XXXX Months XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have filed multiple disputes with current since XXXX. Current is quick to close any dispute without providing true evidence in relation to their denial. Both of my last disputes were with the same merchant XXXX and when the disputes were filed I provided a direct email from the merchant stating that while they were unable to process refunds current should go ahead and initiate chargebacks for the amounts. While the merchant agreed I did not initiate the purchases current refuses to initiate chargebacks. They fail to respond to any email in relation to these disputes, and fail to provide DOCUMENTATION as to why they have denied the disputes. Rather currents one response which took 2 weeks to receive was a generic outline with no documentation attached. Current fails to adhere to basic banking guidelines, fails to use customers evidence when conducting disputes, and fails to respond to customers in their own time allowed. Their emails state a response within 24 hours and this never happens. Their support claims a response in 5-7 days which also never happens. Id like current to actually do as the merchant has stated and initiate chargebacks on all charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  {$300.00} & XXXX XXXX {$220.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide 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 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2022, Citi bank notified me that my account had been flagged for suspicious activity. After several attempts to contact them I got a very rude representative. She stated that I fraudulently deposited a check accusing me of doing so then hung up on me. I called back the next day and spoke to another representative who stated their system flagged the check and it would be sent back to the institution it was sent from however my account would be closed and a check for my funds would be sent to me. It has been already 30 days and I have submitted complaint to XXXX  with no resolve. This company had put me in so much financial hardship this last month because they made no effort at all to distribute my funds or even call me back as I requested. This is unethical and I know people have dealt with this before. All I want is my money from my account I desperately need it to pay bills with inflation as it is I am sure anyone would be upset about this. If I could please get assistance to getting my funds sent to me I would be greatly appreciated.
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. 


XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX 

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 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 7 years.

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

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX  XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Product: Consumer Loan

I am a person that has gotten a car loan wit DT Auto Credit. When my loan is a day late, they call me XXXX times in a row. As of right now, my loan payment was due on XXXX and they have called me a total of XXXX times since XXXX about my payment. Even when I tell them what day I am going to pay my payment, they proceed to call me sometimes a the next week to tell me that the information has been kicked out of their system. When I ask to speak to a manager or a supervisor, they deny my request. I have call upwards of XXXX times to attempt to get to a supervisor, and they either refuse to answer my calls and put me on hold or they refuse to give me a supervisor to talk with. This is an ongoing issue that stems from their model. It goes from if you situation or finances change, they do not help or negotiate with you to ensure that you are able to keep your vehicle, I have been told before that I did n't need to pay my rent but pay my car payment, I 've been threatened with having my vehicle repossessed when my payment is no more than five to ten days past due, and they only let you change your payment cycle once during the life time of the loan. The harassing phone calls are the worst as well as their rude customer service people from the number XXXX. They call at XXXX and as late as XXXX at night.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

CCS Collections ( Credit Collection Services ) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections ( Credit Collection Services ). 
I have attempted to mail CCS Collections ( Credit Collection Services ) several letters to multiple addresses to allow CCS Collections ( Credit Collection Services ) to validate their debt and the mail was returned to sender ( attachment provided ).

I have no idea how CCS Collections ( Credit Collection Services ) received my private medical information. CCS Collections ( Credit Collection Services ) have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections ( Credit Collection Services ) continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of a previous dispute from CCS Collections ( Credit Collection Services ) that was removed. 
Please be advised that the address provided by CCS Collections ( Credit Collection Services ) on my XXXX credit report XXXX XXXXXXXX XXXX XXXX, MA XXXX is an incorrect address. 
The address of XXXX XXXX XXXX XXXX, MA XXXX provided by CCS Collections ( Credit Collection Services ) on their website is also not a working address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit that is quite old and was settled up years ago through a debt consolidation service/ Legal representative called XXXX XXXX/ XXXX XXXX XXXX whereby this item was settled and negotiated and paid yet it is on my credit as a past due and I can not buy a home because of it. The item is XXXX and is on all 3 credit bureaus.. 
also the balance is XXXX and should read XXXX. AC number is XXXX closed back in XX/XX/2013 but keeps getting reported every month
Product: Debt collection

I replied to the txt message checked the box that said this is not my debt. Im end dated with txt Messages ask for this collection payment that doesnt belong to me.i explained that the XXXX XXXX Ive ever had business with was XXXX XXXX XXXX XXXX 
This letter I recieved today state this balance due date happened XX/XX/year> I recieved nothing because isnt my debt. 
Below you will find the information pertaining to this complaint Sunrise Credit Services XXXX XXXX XXXX, XXXX XXXX Acct XXXXscs acct XXXXbalance {$110.00}