23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the CBE group today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I  am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX XXXX XXXX is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00} for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! XXXX also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where XXXX has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for XXXX account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, XXXX XXXX and The CBE Group! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to XXXX who then sold the accounts to The CBE group! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation!
Product: Credit card

Paid off the credit card od XX/XX/year> in full. Received a bill on XX/XX/year> for additional interest charged on XX/XX/year>. I paid the full amount using their website and then they did an additional interest charge after that payment was made. They are charging a 31.99 % APR and i was paying the card off in full. The company charged additional interest above the payoff amount stated on the physical bill and the on-line bill. When i called for an explanation, they should have immediately waived the additional interest charge because the account was paid in full on the due date. The payment was made on time and paid of the full account balance according to the billing statement and their website. They are committing mail fraud and charging customer 's extra interest for charges that have been paid in full.
Product: Credit reporting or other personal consumer reports

I've reached out to the company through numerous phone calls and letters to address this issue. In light of cyber attacks affecting the company and others, I specifically requested the removal of inquiries not linked to an open account from my credit report. I also provided details about several data breaches involving my information. XXXX data breach I received a XXXX XXXX
Product: Credit card or prepaid card

Somewhat complex and hope that a representative will help me to describe my complaint. 
the guidance of ANY said XXXX, of any CREDIT CARD company, the named institution or other on how to correctly utilize, discharge use, full disclosure of said procedure to credit the legal entities account with the discharge or offset of public debt. CREDIT that is due to me the taxpayer upon a signature of my name, in its unlimited commercial capacity. 
As authorized representative of my legal entity, they are entitled to write and tender lawful notes. This has been a common practice for many years. The attempts by any XXXX of the company or any other credit card company, to dishonor any lawful notes, refuse to give process on how to do so, and not process such lawful notes for discharge or offset, will be a Dishonor in Commerce, Fraud, Conspiracy,  Racketeering, collusion, etc. I believe there is no proof to the contrary
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to XXXX XXXX. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with XXXX XXXX on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by Credco. On XX/XX/18 I contacted XXXX XXXX with XXXX XXXX via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

So as you are aware, the late payment occurred due to the coronavirus outbreak emergency declaration. My city/state had a shelter in place at the time of the missed payment. XXXX XXXX XXXX XXXX XXXX XXXX and was unable to call you due to my XXXX XXXX which kept me from functioning. I understand all I had to do was call to get approved for a deferment, but in addition to XXXX XXXX XXXX, I didnt even know that I had to call before I was marked late. Due to this, I am requesting the late payment be removed from my credit report. Also, Im not calling to get my late payment fee refunded ; Im specifically interested in getting the late payment removed from my credit report. First Investor Financing refuses to remove late payment from credit report due the pandemic period
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all XXXX credit bureaus and XXXX refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. XXXX and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.
Product: Debt collection

Call/message received from Stoneleigh Recovery XX/XX/XXXX/XX/XX/XXXX. I called back and left message to not call me and all communication must be by mail. I also asked for proof the company was licensed to do business in PA. That certificate was received by letter dated XX/XX/XXXX and signed by XXXX XXXX , Director of Compliance. I received another phone call from Stoneleigh Recovery on XX/XX/XXXX and again advised the representative ( again on a recorded line ) to not call me. I then received another phone call from Stoneleigh on XX/XX/XXXX and told the representative to not call me. He informed me that he saw my do not call request noted in my account from the previous call they made to me on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern regarding the accuracy of the information on my account. Despite assurances of the account 's verification and accurate reporting, the data remains inconsistent and inaccurate. I have disputed and requested a reasonable and thorough investigation regarding both accounts numerous times. My request for original documentation, encompassing signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation as inaccurate and incomplete information is still being reported. 

Contrary to Transunions claim of a thorough verification/investigation process, the following discrepancies persist on my Transunion credit report which are inaccurate : Account XXXX XXXX XXXX XXXX acct # : XXXX 1. Account number : Account number is inaccurate. 
2. Monthly payment : Monthly payment for this account was not XXXX. 
3. Date of last payment : No information provided. 
4. Payment history : Payment history is inaccurate across both bureaus, Transunion and XXXX. 

XXXX XXXX XXXX XXXX acct # : XXXX XXXX. Account number : Account number is inaccurate. 
2. Date opened : Account was opened in XX/XX/, this account is over 7 years old. Shouldnt it be deleted from my Transunion credit report? 
3. Account status : Transunion states this account as PAID, that is inaccurate as this account has been CLOSED. 
4. Terms : Transunion states the term were 0 months for this which is inaccurate. 
5. Comments : Not consistent with XXXX 6. Payment history : Not consistent with XXXX. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report, and I insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inaccurate. This a Fair Credit Reporting Act ( FCRA ) violation. Rather than requesting a re-investigation, I am requesting the removal/deletion of both accounts from my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXXXXXX XXXX XXXX XXXXXXXX account XXXX please DELETE this!!! XXXX XXXX
Product: Debt collection

The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.
Product: Vehicle loan or lease

bad warranty, vehicle was repossessed and sold via auction for what my loan amount was
Product: Debt collection

Dear Sir or Madam : Commenity CapitalXXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX I trust this message finds you well. 

I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : Please block/delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item
s related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 


The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

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

I have continuously asked XXXX XXXX to provide real proof as to why the account was opened without my permission or any real verification as XXXX XXXX 's online system for opening card accounts is flawed by allowing fraudulent users to input stolen information and create accounts to steal money then XXXX XXXX holds the victim accountable. Transunion continues to report this information on my credit report as well. XXXX XXXX refuses to file the fraud report that I provided in XXXX of 2023 and to dispute all charges which I also requested. XXXX XXXX stated to me that the fraudulent user could come forward to claim and take over the account however XXXX XXXX is now renegging on their word and still wants to hold me responsible for the account which I never opened, XXXX XXXX 's practices are abusive in which holding me directly responsible for their flawed system without any proof that the charges or the account belong to me whatsoever. In all my history I have never had a credit card and I surely would not start with XXXX XXXX either.
Product: Credit reporting or other personal consumer reports

I have three hard inquiries on my credit which I did not authorize nor did I give permission to run my credit and would like them removed of my credit immediately XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) I also have a third party debt collector ( First financial Resources who I did not give permission to have my medical information and has obtained my information illegally and has violated HIPPA laws and would like it removed immediately as well. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX in the amount of {$11000.00}
Product: Payday loan, title loan, or personal loan

I am requesting TMX return my car title they are in violation of MLA act ; they pose claim that I deem as heresy re : they step they have taken to verify they have performed such verifications and have not provided proof of any of their statement to no wrongdoing. I am submitting my original contract, which they have not provided in dispute of my claim that the following does not exists as this statement does not appear on my original loan documentation. : k. I AM NOT a regular or XXXX XXXX  of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX, serving on a XXXX XXXX under a call or order that does not specify a period of 30 days or fewer ( or a dependent of such a l. member ). 

They continue to reiterate that they have performed a thorough investigation without proof or not one piece of supporting documentation, I am requesting proof that at the inception of this loan as they stated " An automated or manual check of the MLA or SCRA website is required by the Company before any credit application can be completed and before any request to refinance an existing loan/pawn may be processed. Onboarding identifies covered borrowers through an automatic ping to the Department of Defense 's MLA database. '' I am requesting the proof that they ran my information through a automated/manual check of the MLA SCRA website before they approved my credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to remove a collection account that was previously removed in an investigation a few years ago, I submitted a dispute about the account but they did not fix it or explained to me how it was verified.
Product: Checking or savings account

5/3 bank made a XXXX  payment transaction of {$430.00} while I am not even a XXXX  customer. I notified the bank many times and no action has been taken to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a XXXX in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX   state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
Product: Debt collection

TrueAccord is a third party debt collector claiming that I owe them an debt collecting on behalf of another third party debt collector. This is false and misleading pursuant to title 15 1692e ( 12 ). I have no contract between this debt collector. It is an infringement upon my consumer right 's to privacy for this third party debt collector to purchase my information to contact me, this debt collector violating my privacy pursuant to Title 15 USC 1692. This third party debt collector did NOT have any permission to contact to me at any time, violation of Title 15 USC 1692c ( a ). And have communicated with me more then once which violated Title 15 USC 1692b ( 3 ). Every contact states they are a debt collector attempting to collect a debt which is in violation of Title 15 USC 1692b ( 2 ). TrueAccord is constantly harassing me by even stating a owe a debt violating Title 15 USC 1692d ( 2 ). Everything they did was false and misleading, pursuant to Title 15 USC 1692e ( 10 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX XXXX Account number 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I was charged {$34.00} for an overdraft in my checking account, but I had funds in my savings account and overdraft protection linked to my savings that should have covered it. I tried to explain this to the bank but they would not refund the overdraft fee.