23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased XXXX XXXX phones for my XXXX sons to use. Their dad had died and I needed to be able to communicate. A couple months the bills were fine. Then I received a high bill. I called XXXX and the rep signed me up with protection plans on both numbers so there could not be data overages again. The rep set it up for me over the phone as I do not own a computer to do it on my own. The next month I got a bill for {$2000.00}. I called and I was told protection was not on both phones. I told them I was being charged for it on both. In the end I spoke to reps for over 6hrs. I was told it was a glitch and they 'd fix it. They never did. XXXX told me to contact u.
Product: Money transfer, virtual currency, or money service

I am a square customer. I recently processed a transaction. Square charged me XXXX in fees. Then locked my account, delaying my receiving funds. I provided them with every document they asked for and then some. They have refused to help me, and they have refused to release my money, this is for their gain, and no one benefits from this but them. This is their way of addressing or hiding their financial issues. I have sent them all the proof requested that this was a legitimate transaction. I even included the images from XXXX XXXX XXXX XXXX thought this was a fraudulent charge, hence why the card was declined until the customer advised XXXX this was a valid transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio recovery does not have ANY valid contract with me and is using methods of extortion by defamation of character to collect a debt that was never owed to the m, Im not their cus tomer, Im not their member, Im not their consumer, They need to show me a valid lawful contract or they must CEASE AND DESIST AT ONCE, because they are in violation also of information breach!!! see applicable law, s. A breach occurs when a customers personal information was, or is reasonably believed to have been, accessed by an unauthorized person.   N.J.S.A . 56:8-163 ( a ). Upon discovering the breach, the first step is to notify the Division of State Police,   in the Department of Law and Public Safety, for investigation or handling.
Product: Debt collection

For over one month, repeatedly, and throughout the day, I receive a call from XXXX at Midland Credit, phone number XXXX XXXX and more recently from an unknown number. 
When I accept the calls she explains that I owe a debt and asks me how I am going to take care of it. She does not provided any additional information. This supposed debt collector has never once left a voice message with further details nor have they sent any written information by mail. I called XXXX and they have confirmed that there is no record of this debt collector on my credit report. I once tried reaching Midland by phone and instead of reaching a main line that stated the name of the company, my call was answered by a male voice who stated only my first name.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days to be removed.

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT
Product: Debt collection

GB Collects XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Received a debt collection notice in early XX/XX/2023 for XXXX XXXX for {$130.00} with an invoice date of XX/XX/2023. Immediately disputed the validity of the claim on XX/XX/XXXX. Was called by the agent XX/XX/XXXX and asked for validity and proof. 

Received debt collection notice again in XX/XX/2023 with no verification or validation or debt. Responded in XX/XX/2023 immediately asking for verification. 

Received a debt collection notice in early XX/XX/2023. 

No debt verification has been provided after multiple requests.
Product: Debt collection

I rented a car from XXXX XXXX a car in XXXX XXXX MO on XX/XX/2022. Car was to be returned on XX/XX/2022. However, In the morning of XX/XX/2022, I got ready to go to my appointment, which was the major reason I rented a car, because my I dropped off my car at the mechanic. I started the car and it wouldn't come on. I called XXXX customer service, the lady I spoke with on the phone tried to see if she can walk me through trying to start it. It didn't work. She told me it may be more than just a battery situation and said she will send a tow to come and get it and also informed me that a replacement vehicle has been set up for me at a different location. I went to the other location and they told me they did not have any car available for me. I called XXXX customer service to inform them. they sent me to a different location, yet I did not have any car. I went ahead to my appointment. The car was towed and I did not get a replacement. And by that afternoon when it was towed, I have taken multiple Ubers to get to my appointment. I called XXXX to report this and they said to see what they can do. I rented the car via my XXXX XXXX credit card which seems to have collaboration with XXXX. I called my credit card and informed them and filed a dispute because I did not use the car for the whole intended duration and did not get a replacement. I was not going to pay for a service that was not provided. My credit card company credited me an adjusted total of {$180.00}. I was told by my credit card company that it's been resolved. I went to military training since XX/XX/XXXX and I just got back home, and I was going through mails and I saw that I had a collection from Vikings Client Services LLC, representing XXXX in collection of {$180.00}, " a debt that I owe '' and that I was placed on " do not rent '' by XXXX. Which I did not understand because I have rented from XXXX after the fact. I called XXXX customer service and was told they couldn't see where I owed money. I called Vikings client services and they insisted that I owed XXXX money and that I'm still on the " do not rent '' list.
Product: Debt collection

Told me the only was to dispute is in writing which I know there are definitely more ways to dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is resubmitting this CFPB complaint in an effort to refute the false information you claim is on my credit record. I was a victim of identity theft once more, and I never made the payments to these companies. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I think I never actually agreed to any contracts with these businesses. Your deliberate disregard for Federal law constitutes a clear violation of consumer rights. Please get rid of the account that is listed on my credit report, as I beg you. You must delete any accounts and information that were created as a result of identity theft in accordance with Fair Credit Reporting Act section 605b ; kindly do so. The following things must be taken away as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise. Also, reporting certificate of indebtedness on my report. which is considered income which can not be reported!
Product: Credit card or prepaid card

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

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

My mother ( XXXX ) is a custodian over a XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) with USAA bank and im the beneficiary. She refuses to transfer me any of the money or give me any access to this account, even though im XXXX years old, which is old enough to take control of the account. I receive social security benefits and all that money goes into this account. I changed my direct deposit info, so my monthly payment goes into my my checking account now any not in this XXXX anymore. But the backpay social security gave me is stuck in this XXXX because my mother .refuses to transfer it to me. Theres over $ XXXX in this account. 

The only way I actually see any of the $ XXXX is when my mother transfers money from the XXXX, DIRECTLY INTO HER OWN CHECKING ACCOUNT, then gives me the cash she withdrawals from an ATM. She transfers money to herself. She has even spent money she transfers. She does all this WITHOUT MY CONSENT. 

I first started receiving monthly payments back in XX/XX/XXXX and received a {$21000.00} backpay back in XX/XX/XXXX. She allowed me to spend money on a phone and laptop, and she constantly withdrawals money out so thats why theres $ XXXX left out of the {$21000.00}. The amount in this account keeps decreasing because of the withdrawals she makes multiple times a month. The pictures I added are the withdrawals she made to herself back in XX/XX/XXXX. Unfortunately, the XX/XX/XXXX bank statements are the only statements I have in paper, but it proves she is transferring money to herself and keeping my money from me. 

I have reported this to the social security and the bank and neither can help. Ive even reported her to the OIG Office for fraud and they havent anything. USAA told me there is a grey area with the rules of custodian UTMAs. They say she is obligated to hand over the account and the funds, but doesnt have to since she is the custodian and its technically her account. So if she wants to keep the account and money from me, she can do that. 

Basically, my mother is holding over $ XXXX of MY MONEY in an account thats mine and USAA wont help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reinserted accounts that had been removed from my credit report without notifying of this action and giving me 5 days notice. I tried to contact to have this issue resolved but was advised I did n't give specific information. The law states that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. The accounts that were previously removed and then added back without giving me a 5 day notice where :  XXXX  's for {$1900.00},  XXXX ,  XXXX ,  XXXX   XXXX  and a inquiry f rom      X/X/2016 .  I never received any notification from Equifax. I am asking for this information to be deleted as it previously was and I am advising that I never received a 5 day notice of the information being added back to my Equifax files. I 'm asking your company to delete the accounts. Please send me an updated credit report within 10 days showing me that the accounts above have been deleted. Thank you for your time in this matter.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. 

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To Whom It May Concern, XXXX, Experian and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX  and Experian 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX XXXX. Balance of {$1200.00} incorrect
Product: Debt collection

Reports collection as being opened XXXX ( when they purchased the debt from previous collector ). Original date of delinquency with original creditor is XXXX. Debt has been sold/purchased by multiple collection agencies within the last 3 years. Have filed disputes will all XXXX credit bureaus. Have been denied for other credit accounts and mortgage because the date displayed does not reflect the true age of the debt and it appears I have a new delinquency when I do not.
Product: Debt collection

These accounts went to collection after the original owner discharged them. I do not have a contract or agreement to pay any of the collection agencies below and I would like these accounts removed from my credit report and all collection actions seized. 

XXXX XXXX XXXX Last reported XX/XX/2024 {$2900.00} Open balance XXXX  XXXX XXXX Original creditor discharged balance LVNV FUNDING LLC Last reported XX/XX/2024 {$3500.00} Open balance XXXX XXXX A XXXX XXXX Original creditor discharged balance XXXX XXXX XXXX Last reported XX/XX/2024 {$5800.00} Open balance XXXX XXXX XXXX Original creditor discharged balance LVNV FUNDING LLC Last reported XX/XX/2024 {$25000.00} Open balance XXXX XXXX XXXX XXXX Original creditor discharged balance LVNV FUNDING LLC Last reported XX/XX/2024 {$25000.00} Open balance XXXX XXXX XXXX XXXX Original creditor discharged balance
Product: Credit card or prepaid card

I pay my charge cards the day after my Social Security Check in put into my bank. 
Last month I paid {$100.00} on XXXX/XXXX/XXXX to XXXX of my charge cards ... Some how Discover Bank took that money and applied it to XXXX of their fake account that they had open in y name!!! costing me {$45.00} in late fees!!! 
XXXX thing gets me about the CFPB XXXX per month complaints against Discover Bank and you do nothing but side with them! 
Also Discover Bank has been sued and lost in every federal court, State court and XXXX courts in the XXXX for setting up fake accounts and stealing money for cardholders, for hacking into people banks and taking theirmoney.
Product: Credit reporting or other personal consumer reports

I disputed a collections fromXX/XX/XXXX of {$500.00} for cable equipment I've already sent back and it is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATION SENT TO EVERYONE WITH THE HIPPA VIOLATION THESE ACCOUNTS ARE NOT KNOWN TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on accounts that are closed, these accounts are XXXX XXXX XXXX and XXXX XXXX was investigated by CFPB and was closed, they are reporting them open still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my consumer report an noticed fraudulent charges. I am requesting that these accounts be removed from my consumer report pursuant to 15 USC 1692a ( 5 ) the term " debt '' means obligation or alleged, this is an alleged debt. I refuse to pay this alleged debt and I am demanding to cease and desist communication pursuant to 15 USC 1692c ( c ). I have attached a copy of my identity report and the fraudulent charges. I am demanding that these charges be removed from my consumer report pursuant to 15 USC 1681b 4 ( c ). Please investigate this matter! Also, pursuant to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to have an interview with my neighbors, friends and associates. I would like proof of that. If you're unable to provide that information. I am demanding you to remove these accounts from my consumer report.