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

Settled account with law office they used to service the debt discussed credit reporting with an attorney at the office, he sent me a letter stating the account would be updated as " paid in full '' they first reported that I just made a payment, so I disputed it, they then reported it as " Paid Collection '' these are two very different things, I emailed them requesting they either remove it or have it reported the way their attorney told me it would be if I settled the account, which would be " Paid in full '' not " Paid collection ''. The letter I was provided was either false and misleading or their attorney made a mistake and I would like it rectified.
Product: Credit card or prepaid card

On XX/XX/2020 tmy family and I were looking for a new dentist to try out. We went to XXXX dental group and on my first visit, they signed me up for a care credit account. However, I never signed the original documents, authorizing the treatment plan or the terms of the care credit account. Care credit prepaid this dentist XXXX XXXX {$9600.00} in advance for dental work that He never did on me. I have contacted the dentist and care credit numerous times. I have disputed the charges with care credit three times over the last year. I have submitted documents, proving work was not done and the original merchant copy documents unsigned and unauthorized.. Care Credit is aware this dental work done on me and have seen my documentation However, they told me they can not force the dentist to give back the money. in the meantime, I am getting monthly bills for interest and. late fee charges and watching my credit rating go down the toilet. I had one procedure done there, which I am willing to fully pay.. my insurance already paid him XXXX after my first visit I decided he was not the dentist for me and my family and I never went back. also, during the dispute process, this dentist submitted falsified documents with my forged signatures.. I have the original unsigned documents in my possession, which I will submit. Trying to resolve this matter, XXXX XXXX only wants to refund {$4900.00} of the $ XXXX me {$7200.00} for XXXX visit including {$3000.00} insurance payment. He charged me for 3 procedures he never did @ {$550.00} x 3. I have told XXXX XXXX that I am willing to pay for the legitimate procedure he did on me.. according to XXXX XXXX XXXX billing statement. I owe {$1500.00} including the insurance payment of {$3000.00}.
Product: Checking or savings account

TD Bank is currently running a promotional offer XXXX XXXX XXXX XXXX 2020 ) offering {$300.00} for new customers opening TD Beyond Checking and Savings accounts. I tried multiple times to open  accounts through the website, but when entering my address the process was halted stating " To open an account from outside the TD Bank footprint, please call us at XXXX ''. I spoke with a number of representitives to ask if accounts could be opened in California. Each rep told me that I could open the account in California, but each was confused about why the website wouldn't allow it. I began the process with a person in the accounts department, but before finalizing I asked if I would still be eligible for the promotional offer. She was unsure so I was placed on hold, then told that I would not be eligible. I halted the process and read through the disclosure on the webpage. 

The disclosure states that in order to get the promotion you need to open the account online, but the only exclusion states " TD Bank employees and XXXX cross-border banking Customers are not eligible. '' There is no mention of particular states that are or are not eligible. The website has been built to only accept specific states and after inputting your resident information, rather than stating that you are ineligible for the promotion it simply prompts you to call the customer service number, and not one of the service reps mentions the fact that you would be ineligible and feigned ignorance about why the website would not accept my data. 

Due to the fact that they mention that you have to sign up on the website in the disclosure, I'm not sure if they are actually violating any fraud laws, but the fact that they have designed the website to specifically exclude a large group of applicants ( most of the United States ) from qualifying without any verbiage in the disclosure pointing to this fact, seems like a clear bait and switch. If it isn't illegal, it is incredibly dishonest and they should be required to add to their disclosure.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.
Product: Checking or savings account

So I filed my tax return and had it go to my credit karma money account not knowing that they had sent me a single email back in XXXX to make sure my account info was up to date I did not see it and they closed the account and all of that I could care less of it they had chosen to not accept deposits into accounts they have had closed I would have my tax return which was just under XXXX XXXX instead the money gets deposited in to the account on the XXXX of XXXX and I have given them everything they have asked in order to get a second check sent to my new address since the first one that I think they never sent was sent to the wrong address because despite me having updated my info on my account since the account is closed that info doesn't get updated with the rest of the account so if it's fraud they are trying to prevent it is possible that someone else has my check already due to their stupidity
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a reply, and they have failed to provide adequate validation of these supposed late payments. I kindly ask for your help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I would like your help in enforcing my request to the 3 credit bureaus who have refused, despite my multiple requests, to remove inaccurate names and inaccurate addresses from my credit report. I have specifically stated that they put me at risk for ID theft as a result of these multiple entries on my credit report and yet they failed in honoring my request and hence maintaining the integrity of my credit file.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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
Product: Credit reporting or other personal consumer reports

I was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid
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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX violated my rights. 

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 reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Product: Credit reporting or other personal consumer reports

I am writing to exercise my rights as a Federally Protected Consumer under the Fair Credit Reporting Act ( FCRA ) and hereby inform you that I am opting out of any and all authorization I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 USC 6802.
Product: Debt collection

I received two phone calls on XX/XX/XXXX from this numberXXXX XXXX XXXX XXXX, they called again on XX/XX/XXXX. On the XXXX, I spoke to the gentleman on the phone and expalined to him the account he was calling about was part of my debt settlement agreement with XXXX XXXX XXXX and to please call them. He then told me they did call them and XXXX XXXX XXXX claimed not to have an account for me. i told him again to contact them. After getting off the phone with them, I called XXXX XXXX and confirmnd the XXXX account was enrolled in my plan. I then submitted a contact us request online through Spring Oak Capitlal 's website and even provided the phone number for them to call and asked them not to call me. A week later, i received another phone call. The gentleman on the phone told me, yes we see XXXX XXXX XXXX but no phone number for them. I told him I sent the phone number to them via their portal. 
I again went on the portal and submitted a second request to not contact me. Yesterday evening, XX/XX/XXXX, they called me again at XXXX. I did not answer. I have been faithfully working on all my debts and working with XXXX XXXX XXXX for almost 2 years. 5 of my creditors have been settled and paid in full. If they do not want to work with XXXX, they need to just leave me alone. I can not afford to pay XXXX and them as well.
Product: Debt collection

was improperly served summons was served to someone i did not know sent the company signed lease agreement for where i was living during service of summons still threatened to garnish wages offered 75 % sif or payment plan they refused
Product: Money transfer, virtual currency, or money service

1. On XX/XX/2020 I made a purchase for paper goods through Paypal to a company that turned out to be fraudulent. 
2. Within an hour of discovering the true nature of the company I attempted to cancel the transaction but received no response from the company. 
3. I attempted to obtain a refund through Paypal and was declined and my appeal was refused. 
4. I successfully obtained a refund through my bank ( XXXX XXXX XXXX  ) after proving the transaction was fraudulent. 
5. I attempted to terminate my Paypal account but was refused because my bank requested a return of funds for the fraudulent transaction referred to. 
6. Paypal is asking for me to validate my bank information before terminating my account. I provided such information and it still refuses to terminate. 
7. There is no way to communicate with Paypal except for electronically and all of my attempts to get this matter resolved using this method have failed. Now the electronic communication feature isn't even working.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. 
This company is reporting inaccurate and misleading information on my credit report. XXXX XXXX XXXX has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is { {$10000.00} }
Product: Debt collection

Around XX/XX/2018 I discovered some medical debts on my credit report when I was purchasing a car. I called the XXXX XXXX XXXX Georgia who in turn stated they had not sent any debt to collections in my name. So I contacted the collection agency and informed them I had no knowledge of the debt and provided them with the information that I had received from the hospital. The collection agency 's name was XXXX XXXX who concluded that the debts were fraudulent. All three debts were removed from my credit reports due to fraud. The amounts were XXXX, XXXX, and XXXX. The collections were all removed XX/XX/2018. 

I have now discovered after purchasing a credit monitoring service that another collection agency called Commonwealth Financial has placed the same collections back on my credit reports. I contacted the XXXX XXXX XXXX Georgia who stated they did not send any collections to this agency and another rep advised me this time to file a complaint and seek legal advice. I have never heard of this collection agency nor did they contact me regarding the debt, if they had they would have know that the debts are fraudulent. I am so tired of these collection agencies just placing collection on consumer reports and violating the XXXX. XXXX XXXX is clearly trying to collect on debts they do not own and clearly can not properly validate, damaging my credit as well. 
I am looking into legal advise for defamation and violation of the XXXX.
Product: Money transfer, virtual currency, or money service

I have been a long time user of Zelle. Seeing this lawsuit against the company Zelle. Does not suprise me. I have been using this service for the past couple of years, to transfer my fund from my bank account to pay for daily things and sending money to friends and family when needed. There has been countless times where I have gotten notifications through my phone that certain amounts like {$1.00} or {$5.00} had been taken out of my bank account and it was always XXXX as ZELLE but I was not sending any money to anyone at the times I would get the notification. I believe I am eligible for this lawsuit cause I have gotten money taken from me in the past.
Product: Credit card or prepaid card

This complaint is about the XXXX credit card. They use SYNCHRONY BANK. 

I filed a dispute on a charge of {$730.00} on XX/XX/2021. On XX/XX/2021 I received the attached letter stating that the credit for that amount was applied to my account. As of XX/XX/2021 I still have not received the credit. I have called more than 5 times and no one can tell me why I haven't received the credit. I've been lied to multiple times saying that it'll just be a few more days. It is obvious that they have no idea what's going on. They even admitted to me that I was not the only one experiencing this issue. I'm only filing this complaint as a last ditch effort. I was willing to wait if I needed to for the credit, but I'm tired of being lied to.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see a 30-day late mark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Product: Mortgage

hundreds of people are being screwed by Green Tree/DitechDitech has forgotten to pay our taxes and now insist that we pay a higher mortgage payment.. 
They also hold our extra payments in limbo not crediting them to our accountsWE did NOT choose this lender most of us had our accounts SOLD without our Permission!!! 
wheres the law protecting the innocent people from theses scamming sharks..THEY ARE DESTROYING OUR LIVES ... WHERES THE LAW
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw accounts reporting still that I do not recognize.