23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regard to a medical bills. 

Commercial Trade indicates that since I can not pay in full that I will accrue interest daily. I explained that I can set up a payment plan but they will not take less than {$150.00} biweekly. I explained that I can start with {$50.00} biweekly and pay more when able to do so. I was declined this option. 

The woman I spoke to said that she will also be taking my husband to collections since we are married and that there is no one I can talk to to reduce a biweekly payment and that interest will continue to add up and that she will continue to report me to collections. 

When I call this office I only get transferred to the same woman. XXXX XXXX ph no XXXX. The website has no option to set up a payment plan as well. 

From my research in the state of California debt collectors can not legally add daily interest on medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the XXXX and Experian credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party, not from my own filings or from a court. This bankruptcy has been deleted from my credit reports with XXXX. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency.

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely.

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report.

I am submitting this document for the expungement of the information disclosed below.
Product: Mortgage

XXXX XXXX, XXXX I received a form letter that my mortgage was payed off. It is now XXXX XXXX and I am still waiting for a duly recorded satisfaction of mortgage.I have called Chase several times only to be told that there is an issue with the chain of title but after 18 months it should have been resolved. The XXXX XXXX XXXX tells me that they reject the submissions because the are not complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times online, by telephone, and by letter, in the last two weeks of XX/XX/XXXX to lift the freeze on my credit report so that I may refinance my mortgage. The online response was to tell me to call Equifax. Upon calling Equifax, I was told I had to write the company a letter, including my social security number and my identification card. I have done so without success. 
Both XXXX and XXXX have temporarily lifted the freeze on my credit report, so I can not understand why Equifax has not responded to my requests. 
Would you please contact them on my behalf so I may continue to have potential creditors access my report? 
Thank you
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting 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 XXXXXX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. 

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide 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. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I used my PayPal account to buy tickets to a fundraiser event. The person listed as XXXX XXXX told me to send the money {$62.00} as " friends and family '' to them directly for the tickets and then they would email me the tickets. I sent the money and the person told me they never received it. I called PayPal that day and they said the transaction was good. The person scammed me and never gave me the tickets. I called the PayPal representative back and they said to block the transaction through my bank account. I paid an additional {$30.00} to block the payment. Then PayPal had a negative balance on my account saying I owed them the money. I called and spoke to a representative again and said I was scammed. They said they couldn't refund the money sent because I sent it under " friends and family '' and that I was responsible to pay the {$62.00}, even though I was advised prior to blocking the payment. I am very upset the way things were originally advised for me to do and I would like some help in recovering my {$62.00}, even though I am out now {$92.00} for the additional {$30.00} stop payment fee.
Product: Prepaid card

On XX/XX/year> while I was working in XXXX, XXXX with my Money Network XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX card on person. Someone, criminal was making XXXX, separate cash Withdrawals of {$300.00} from an ATM at a XXXX XXXX XXXX XXXX, XXXX  at approximately XXXX XXXX while I was working in XXXX, XXXX with my card in my possession. Later, that same day at approximately XXXX XXXX  at a local XXXX I made a purchase and an attempt for cash with said card when I was alerted of decline. I immediately, called Money Network and informed them of said situation. You can not lock the card, their website seems always to be under maintenance and you never speak directly to Dispute Dept. XXXX I have been denied dispute based on grounds I gave someone my pin #. I have wrote a letter of Appeal stating the Denial is baseless Since I always had & still have my card in my possession. I also filed complaint with XXXX via the XXXX Police XXXX. Please help! Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TO BUY MY FIRST HOME AND I HVAE BEEN DENIED FOR MY APPROVAL DUE TO CERTAIN INQUIRIES/ DAMAGES ON MY REPORT. ACOORDING TO HJR 192 All Public Debt is an obligation of the United States and not the Citizens. And According to the FCRA or Fair Credit Reporting Agency it is against the law for these credit reporting agencies to report anything without my authorization or consent on my report. 
ALSO IN 15 U.S.C 1681 there should not be any damages on MY Report it is A Defamation of character., therefore these items need to be Removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL unauthorized and unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my Experian credit report dropped my credit by XXXX points without any explanation when the other companies actually increased my credit by XXXX points. I have no delinquent bills or debt I have paid all my loans down ahead in fact there is positive points in my report and nothing negative at all. I called Experian without any resolution to this problem.
Product: Credit reporting

There is a XXXX credit card open in my name that I never applied for and other inquires that I never applied for showing up on my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  monthly {$20.00} transaction was pulled from checking account. Upon inspection of my Crypto account every month shows except the XX/XX/XXXX deposit. 

Paypal refuses to add the money to my account that they were authorized to deposit into my Crypto account.
Product: Credit card

I have a Bp Visa credit card from XXXX. I was notified in XXXX, 2015, that the credit card was being transitioned to another to another bank. I was told to continue to use the credit card until a new card was mailed in XXXX. 
The bill for the XXXX XXXX XXXX card came XXXX/XXXX/15. As has been my practice, I scheduled the payment from my checking account to be deducted XXXX/XXXX/15 ; I also received a XXXX digit transaction number for the scheduled payment. 
As I review my checking account activity on a daily basis, I noticed the payment had not been deducted. On XXXX/XXXX/15, I checked the XXXX credit card account online and was denied access. 
I contacted the card 's customer Service and was told the scheduled payment had been cancelled by XXXX on XXXX/XXXX/15 ; the agent acknowledged that no notice had been given by XXXX. I requested the card balance and was informed of that a {$25.00} late fee had been assessed against my account. 
I complained and the late fee was removed from the card. 
My complaint is XXXX fold. First, the scheduled payment was cancelled by XXXX and I received no notification - no E-Mail, phone call, etc. Secondly, a late fee was charged to my account. 
I consider these actions by XXXX to be irresponsible, unethical, and illegal. Had I not been proactively reviewing my accounts, I never would have known of the transition and late fee charge. 
A question : how many other XXXX XXXX XXXX card customers are being treated in the same manner, and being assessed inappropriate banking charges?
Product: Mortgage

I purchased a new house in XX/XX/XXXX using XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX and they use Rushmore loan management to service their loans. so I made a payment on XX/XX/XXXX. On XX/XX/XXXX, they sold my loan to XXXX and I received documentation outlining that. However, when XXXX contacted me they said they received my loan and all information with it but did not have a record of my payment. I was told by them to seek reimbursement from Rushmore. When I reached out to Rushmore, I was told they sent all information to XXXX including the payment and they would not be issuing a refund. At this point, I am out {$4800.00} and no one is taking any responsibility on how to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Account numbers : XXXX. XXXX - XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX
Product: Checking or savings account

I need help and dont know how to go about it, please read below Regions bank is embezzling money from me. 
I lived in XXXX  my entire life and banked with regions. I took a job in XXXX XXXX at XXXX XXXX XXXX, one of the largest manufacturers in the world. They paid for my relocation. I received my first check that was supposed to cover my first month deposit and rent. It was for XXXX and I did a mobile deposit while I was at work. 
This was 12 days ago and regions will not release my funds. They froze my entire account even though the funds have cleared from the issuing bank which was provided as proof to regions from my company and from the issuing bank XXXX  XXXX XXXX. They didnt just hold the check they held all my funds and now tell me that I cant access them and i will lose all funds in my account. This was at the regions branch, branch manager XXXX seemed like she was trying to help at first after avoiding phone calls with me for 8 days but then said she turned everything over to legal and that regions would reach out eventually. 

This came after like I said proof was shown that regions has already been funded from the company and issuing bank. Now regions will not call or answer my calls and immediately hang up even though they have all my funds frozen and Im trying to relocate for work. 

I need help! Please is there anything I can do or anyone I can talk to? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : XXXX. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( XXXX  ). This is a violation of 15 USC 6802. 

XXXX. Financial institutions are required to protect the confidentiality and security of consumers ' XXXX. This is a violation of 15 USC 6801 ( b ). 

Reporting and Accuracy Violations : XXXX. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ).

4. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i. 

XXXX. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).
Product: Credit reporting or other personal consumer reports

I have an existing case i havent heard any updates on the case and its been months already
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries on my credit profile that are not mine
Product: Debt collection

On XX/XX/scrub> 2025, I contacted Transworld Systems Inc. to settle my debt. They agreed to a specific settlement amount and a payment deadline. However, when I requested written confirmation via email or any other method, they repeatedly told me they could not send it. 
After escalating my request to a manager, XXXX XXXX, he informed me that they could send a letter, but it would take several days to arrive. At the same time, he stated that the settlement agreement would require payment that same daymaking the written agreement useless by the time I received it. 

I called back the next day on XX/XX/scrub>, 2025, and was given the same response. Without a written agreement, I can not proceed with the payment, as I have no documentation to confirm the agreed-upon terms. Their refusal to provide written confirmation is preventing me from resolving my debt, which I am willing and prepared to do. 

I believe this practice is unfair and deceptive, possibly violating the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines by : Failing to Provide Written Confirmation Refusing to send a written agreement before requiring payment. 
Engaging in Unfair or Deceptive Practices Insisting on immediate payment without allowing verification of the terms. 
Using Pressure Tactics Offering a written agreement that would arrive too late to be valid.
Product: Mortgage

Fifth Third bank did not do an accurate accounting of my escrow account, property taxes, or homeowners insurance, so my escrow account is currently underfunded. 
I have a property tax bill due XX/XX/XXXX, that fifth third is supposed to pay. 
I contacted fifth third and asked how to apply an escrow only payment, as their online portal DOES NOT ALLOW THIS. 
I was told to put a note in the memo that it is an escrow payment. 
I said " Oh, I thought that was a memo for me, can you all see that? '' No response. 

Well, I've tried to contact them again but their chat customer service is not available. It's never available or on their website, despite claims otherwise. 

I decided to go ahead an make a payment of {$500.00} and put a note to " apply to ESCROW only! '' XXXX business days later these morons applied it to my principal. 

I have no way to contact them. I'm hard of hearing and can't speak on the phone. Their chat doesn't work. Their customer service e-mail link doesn't work. 

I don't understand how a company this large can have such a poorly designed payment portal that it can't accept escrow payments. 
I don't understand why it takes 3 days to apply something AS I REQUESTED since obviously a person is looking at these. 
I don't understand why they continue to employee such useless people who can't read or do their jobs. 
I don't understand how this bank, which is obviously trying to XXXX up my payments, is allowed to continue in business. 
I don't understand why they don't accommodate customers who can't use phones. 
When I'm done with them, they won't be in business anymore.
Product: Checking or savings account

Saying my checking account is negative through email and unknown charges to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

15 U S C 1681 section 602 A States I have the right to privacy.

15 U S C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions.