23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received a telephone call from ( XXXX ) -XXXX at XXXX XXXX on XX/XX/2018. When Our answering machine came on the caller hung up without leaving a message. We looked the number up and learned that this caller is a Debt Collection Agency by the name of Allied Interstate. We are Seniors. We do not have any outstanding debt. We do not want these People calling Our Home ... especially at unauthorized hours and not stating the nature of the telephone calls. If These People have a Legal Debt They're attempting to collect ... It would seem that the initial step would be to contact the Individual in writing via U.S.Mail. We don't owe any monies to anyone. We are requesting Your assistance in stopping these harassing and illegal telephone calls. Please Help Us. Thank You. ~XXXX~
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX 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

I did not authorized or recognize these creditor that are listed on my credit report..
Product: Debt collection

I checked my credit report to see a loan in collections from " XXXX XXXX XXXX' ( which is a scam, and not my debt. ) I disputed the debt multiple times. I am now AGAIN receiving a bill from the debt collectors for {$1700.00}
Product: Checking or savings account

Heres a draft complaint to file with the CFPB based on your experience : Subject : Unfair Handling of Unauthorized Transaction and Unprofessional Customer Service at Bank of America Complaint Details : I am writing to file a complaint against Bank of America for allowing XXXX to double-charge my account by {$800.00}. This unauthorized transaction was not only incorrect but also caused my account to go into a negative balance. When I immediately contacted Bank of America to address this issue, I was met with unprofessional and unsympathetic service from a supervisor who informed me there was nothing they could do and that I would need to wait XXXX days before any funds would be restored to my account. 

This delay left me without any accessible funds, jeopardizing my ability to meet basic needs like gas and daily living expenses. I emphasized that I have no other resources, yet the supervisor displayed a complete lack of empathy. Instead, he repeatedly interrupted me, belittled my concerns, and seemed frustrated with having to explain why I would have to wait for my own money. His attitude escalated my frustration to the point that I no longer wish to bank with Bank of America due to the disrespectful handling of this issue. 

I feel that Bank of America has failed in its duty to protect my funds and prioritize my needs as a customer. It is deeply concerning that they allowed a duplicate charge to go through without intervention, leading to this hardship. Meanwhile, the merchant, a large corporation, appears to have been prioritized while my access to my own funds was delayed. 

This experience has left me questioning how Bank of America protects its customers from unauthorized transactions. I believe I should not be penalized for the mistakes of large corporations, especially when those mistakes directly impact my financial well-being.
Product: Credit card or prepaid card

In XX/XX/2021, my CHASE visa card was charged {$5.00}, {$16.00}, and {$25.00} all on the same day with a location in XXXX. I live in, and was in, Arizona at the time. I was at the XXXXXXXX XXXX XXXX XXXX  that day, and did have my credit card with me, but they claimed they were ONLY ACCEPTING CASH that day. I filed a fraud claim with CHASE and it was denied because they claimed that the chip was " there '' and so the charges were not fraudulent. I then asked them what the charges were for as I had no receipts and I did NOT use that card that day at that facility. They told me they didn't have to provide receipts or tell me anything, really, because the card chip was " there ''. My average monthly credit card bill in 2021 was approximately $ XXXX. Which I paid off in full each month. Why would I submit a fraud charge for a total of {$46.00} when I had so much more charged on my card? I don't know why they couldn't/wouldn't/did n't provide receipts to me for what was purchased? Oh, because nothing was actually purchased. Usually I carry my cards in an RFID protected carrier. I believe I did not have it that day. Either way, they should have provided the receipts. It has now gone to collections and I owe {$400.00}. I have explained to the collections agency that it was fraud but I have not heard back.
Product: Credit reporting or other personal consumer reports

I Saw 14 credit inquiry on my credit profile and I reported it to XXXX, XXXX and transition. the company 's told me to report it to FTC and return the report to them for verification to enable them take it off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason
Product: Money transfer, virtual currency, or money service

Not only were the Skrill disclosures confusing and missing information, they did not have me sign anything before creating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

XXXX XXXX XXXX is the individual who is representing XXXX XXXX XXXX. He works for Weltman Weinberg and XXXX  Company, LPA. 
XXXX XXXX has submitted information to the court in a court case where XXXX is suing me for an amount that I have submitted evidence is incorrect. He also claims that his client did not send information that I have received in reference to the allegations I have made against XXXX XXXX XXXX. The paperwork that I have submitted is from his client that his client claims they did not send at this point in time. 
This particular Atty has attempted to extort close to XXXX from me and then admitted to a clerical error. Now its over XXXX I submitted a complaint originally with XXXX in reference to XXXX  and they have falsified information to the CFPB which I will be fine, filing another complaint in reference to that Response from XXXX XXXX. 
The fact that XXXX  has sent me this information, enlisted other entities to do the same and yet denies it is consumer to be able to protect themselves. 
Im not sure if council is advising his client to deny, or if the client which is XXXX  XXXX  is merely denying because they dont think they have to own up to what theyve sent which could be considered deceptive practices.
Product: Credit reporting or other personal consumer reports

Public record information inaccurate on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reach out to these institution plus the credit bureaus numerous times to provide me with prove of my authorization and signature for these accounts and Ive not received any response in which this is a violation of my right by law according to CRA section 1681b ( c ). This is stopping me from purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I visited a XXXX and we were going to apply for credit but when she told me it was XXXX i declined anyways fast forward I have a inquiry on my account from Synchrony Bank and I attempted to remove it because it wasnt authorized. I decided not to submit.
Product: Credit card or prepaid card

I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me  a (  very high {$38.00}  ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday,     XX/XX/XXXX  t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is   XX/XX/XXXX .  I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me  within 24-48 hours. I still have not  heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX Account number # XXXX Account name # XXXX XXXX  Account number # XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX Account number # XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.
Product: Mortgage

I tried to plead with Wellsfargo to take off the late payment they posted on my credit report for XXXX and XX/XX/2020. 
During the pandemic, sometimes in XXXX, wellsfargo called me and asked if I wanted to suspend my mortgage payment, but I opted to keep on paying since I was still working. Sometimes around XXXX, I had my employees quit when they got their stimulus check. I was forced to work open to close, and I couldnt make a trip to the bank. My sister was helping me make a partial payment of {$670.00} every month, and I was supposed to pay the remaining bal. I tried to make payment online, but I realized that their system wouldnt let me make a partial payment online. I tried calling them few times to make payments, but I was kept on hold for up to 2 hrs sometimes just for the phone hang up. I got a hold of a lady once and the time we get they with the payment process, the phone hung up. I checked my acct a couple of days later, and my money was still in the acct. 
with all these difficulties going on, I decided to wait til I get thru hiring my staff, then make a payment of the due balance. At that time, I knew wellsfargo was not reporting late payments. 
I finally got my business in order, hired my staff, went to the bank, and paid the full amount I owed Wellsfargo to make my acct current. 
Not too long ago, while I was trying to get a car, I was surprised to hear that they will not finance me because I was recently late on 2 payments on my mortgage. 
I called wellsfargo several times to make them erase these late payments off my report so I can get me a car, but they refuse to do so. 
Im working on my credit righ now, and this my 12th month making all payments on time. And these 2 late payments are messing it all up for me. I need Wellsfargo to remove them off my credit because they are part of the reason payments were not made on time. Thank you for your help
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims
). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of XXXX data breech, and XXXXXXXX XXXX XXXX data breech. 

XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : 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
Product: Credit card or prepaid card

I had a voicemail this morning ( XXXX ) from CitiGroup asking me to call to approve a new Best Buy credit card application. I was told to call XXXX XXXX XXXX and give reference number XXXX XXXX XXXX. I did not apply for a new credit card. I chatted online with Best Buy and they told me to contact you.
Product: Credit reporting or other personal consumer reports

My account with 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.

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: Debt collection

Sold my house and new owners did not transfer gas bill. I moved from XXXX  to XXXX  and never received any payment due. Did not know I owed until it showed up as derogatory mark on credit report. The bill is only {$100.00} and I don't mind paying as long as the mark is removed from my record.
Product: Student loan

When I first graduated from XXXX XXXX XXXX XXXX in XX/XX/2015, I applied for the Get On Your Feet NYS Program. In order to qualify, your salary has to be under {$50000.00} a year. I met all other criteria by going to high school and college in NYS and graduated within two years. 

Navient was reporting to the NYS Get On Your Feet Program that I made double the salary I actually do so that I would not qualify. When I called several times to speak with Navient they always denied that they told NYS incorrect information. 

I am now a few years out of school and feel I lost thousands of dollars I could have saved if Navient told NYS Program my correct salary. 

I have attatched the email from NYS program where it stated I made {$80000.00}.
Product: Checking or savings account

Hello, On XX/XX/2023 I was scammed out of {$210.00} XXXX  for a rental car which I never got and I told my bank and they say they can't do nothing about it and the person won't spend the money
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a problem with a dispute on my credit report. Two collections are a direct violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments on my student loan and it has been reported I'm 3 months behind I haven't made mid payments at all for the last 4yrs now they want to find me in default
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent correspoandance to the credit reporting agencies requesting that my personal information be updated. To this date I have not received any notifications that this information has been changed.