23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Discover Card which had a past due balance. I was notified that the account would be charged off it a payment was not made on the account in XXXX. Via their online chat, I was advised by a representative from Discover that If I made 1.5 payments I could get a credit for half a payment, thereby knocking my delinquency down by 2 cycles. I was told that if I made this payment by XXXX at the latest, the account would not charge off. Therefore, I scheduled the payment with the online representative. The payment successfully processed on XXXX. 

In XXXX I was notified by Discover that the account had charged off. When I contacted them ( once again via online chat ) I was told that the account charged off on XX/XX/31 therefore my payment for XXXX did not reduce the delinquency. When I asked why their representative allowed me to schedule a payment for XXXX ( my payment is normally due on the first ), and assured me it would pay down my deliquency - I did not receive a sufficient response or an admission of guilt, only a repeating of the facts. 

Discover is at fault in this situation because one of their representatives explicitly told me that my account would not charge off if a payment was processed on XXXX, and yet still charged off the account. 

Further, I was unaware that the account was charged off and applied for an auto loan in XXXX. The adverse charge off mark on my report lead to a loan offer that was less than would it would have been if the account was not charged off.
Product: Credit reporting or other personal consumer reports

While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Experian in resolving the problem. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I have a payment that is almost 30 days late. My fault, totally. When attempting to discuss a payment arrangement with Columbus Finance, I was belittled, spoken to rudely, and outright told to " stop talking '' after being asked a question that I assumed he wanted an answer to. I have never been so rudely and disrespectfully treated by any business. Ever. I was told if I did n't call with a payment by Friday XXXX XXXX, my car would be picked up. 
I was hung up on after this conversation on XXXX XXXX, 2016 and now on XXXX XXXX, no one will answer my calls or return them. I have called XXXX times and left XXXX messages with the person I normally speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft PENTAGON Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft PENTAGON Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed XXXX XXXX XXXX XXXX  account # ( see attached documents. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Product: Debt collection

I reached out to the CFPB to file a complaint in XXXX. The complaint was with regards to Flagship Credit Acceptance not providing fair, transparent services and with regards to their refusal to assist with a deferral of the monthly payment as they claim to do, during the COVID19 pandemic. 

With the assistance of the CFPB, Flagship Credit Acceptance responded saying they will defer the payment XXXX monthly payment being ~ {$600.00} XXXX until XXXX. 

Flagship credit acceptance have now been calling, sending messages and emails attempting to collect a ~ {$1800.00} payment, saying that my account is over 40 days delinquent. Not only does this not constitute any assistance during the pandemic to a small business owner who has reached out for assistance but it establishes fraudulent communication tactics and misinformation to create fear and panic with the lenders who are doing their best to make ends meet and meet their financial obligations.
Product: Credit card or prepaid card

I purchased an engagement ring on credit through Comenity Bank from XXXX the XXXX in XXXX, CA. The purchase I agreed to pay on came out to {$110.00} per month with special promotional financing at 14.99 % APR at 36 months. Comenity was billing me over {$250.00} for the first several months and than after several formal and informal disputes they lowered their monthly payment to {$180.00}. When Comenity failed to reconcile my account I had XXXX, the sales manager at XXXX, contact Comenity on my behalf and Comenity would not speak to him due to privacy issues? He contacted corporate and supposedly his district manager was able to get my payment down to {$120.00} ( which isn't the correct amount but he tried. 

In addition, Comenity is charging me a late fee and finance charge because I will not pay the full amount they say was due last month - {$180.00}. I paid {$110.00} and they wont credit it back. If they agreed that their billing was wrong when they spoke to corporate than why wont they credit me back the late fee and finance charge? I have submitted every receipt, their own monthly item price spreadsheet that I was given a copy of and my own spreadsheet to help show them where they went wrong in their entries and the only thing they've done is make my account activity extremely hard to understand when you look at it online. It's like a 7th grader put it together. She cringes everytime I bring it up. Thank XXXX for XXXX and for all his help because Comenity sure wasnt any help
Product: Checking or savings account

I moved from XXXX  to XXXX on XX/XX/2020. I am still learning all the laws of this state of XXXX. I parked for less than five minutes at a XXXX parking lot to go across the street. I returned quickly and was booted. I was told I was not supposed to park there and go across the street. I was charged {$170.00} to take the boot off. This amount was a big hit to me when I am still getting settled in and have no job yet. 
I was told by the parking company I could appeal this amount. I email them a few times but no response. I then filed a dispute with my bank and they are denying my claim stating I have already paid it. Yes I paid but Im trying to get my money back. I have never been in this situation and this money can really help me.
Product: Debt collection

I found this information in my credit report but was not notified via mail phone or otherwise. I am currently on XXXX and can not pay all at once it is for {$100.00} for XXXX XXXX  which my insurance paid them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove the following right away : 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the assumption that I was on auto-pay. It seems like a computer glitch on your companys end may have caused me to somehow get out of auto-pay and its does not seem to be caused by my own doing. I would never try to take myself off auto pay when in fact I only got the credit card to help me establish credit and not hurt it by {$15.00}. Please review my file and take into consideration that this is not my doing and I was on auto pay and never took myself out of it. Please remove the XX/XX/2020 late payment due to the computer glitch in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a loan through XXXX XXXX. Due to the high interest amount I was not able to pay off the debt completely. NCA recently purchased the debt and reported the debt as opened in XXXX. I have contact NCA and XXXX XXXX. NCA was not able to assist. I have disputed multiple times and had the account removed completely. NCA places the balance back on my account with the wrong opened date. This caused me to be denied for a recent loan because the open date was too soon. They refused to update the information to the correct opened date.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$170.00} with CREDIT MANAGEMENT LP I did not sign a contract with CREDIT MANAGEMENT LP and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CREDIT MANAGEMENT LP Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CREDIT MANAGEMENT LP has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CREDIT MANAGEMENT LP is flagrantly disregarding consumer protection statutes. I demand that Experian/ TransUnion investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Debt collection

On XX/XX/2021, I received a notification from my credit monitoring services stating that a new collections account had been added to my credit report. I had no previous knowledge of this assumed debt. I was never sent any written notification regarding this assumed debt which is a violation of my rights as a consumer according to the Fair Debt Collections Practices Act. The assumed debt reported to the credit reporting agencies was by a company called Consumer Adjustment which I have never heard of nor have I ever received any written communication. I have no knowledge of the alleged owed debt of {$660.00} stating as owed to XXXXXXXX XXXX Hospital which they have named as the " Original Creditor. '' According to Consumer Adjustment, this alleged debt was supposedly opened on XX/XX/2021. I do not accept and has never accepted any offers to contract with this entity and I demand that any and all negative reporting which they have made to credit reporting agencies be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XX/XX/XXXX, Spotloan lent me {$800.00}. By the last payment, which was on XX/XX/XXXX, I've paid {$2000.00}. I can't pay any more. I pay {$140.00} every XXXX weeks.
Product: Payday loan, title loan, or personal loan

People 's United Bank is not properly processing loan applications, instead making up false debt figures for the DTI ratio, which I believe may be to discriminate against me. I applied for an overdraft line of credit and they put my DTI ratio  at 92 % because they created false information regarding my student loan payments. My student loans show a {$0.00} payment on my credit and I informed the bank that I pay approximately {$37.00} a month currently. They refused to use the information from my credit report or the information that I provided, instead falsifying a figure to find a way to deny me. The in-branch banker told me that the underwriter required them to call the underwriting department to discuss personal attributes about me, after which the application was mysteriously denied for this false DTI ratio. I was then retaliated against when I informed the loan department I would be filing a CFPB complaint because they refused to provide me any further service, instead hanging up on me.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 request for the inquiries to be deleted XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XXXX XXXX XXXX  XX/XX/2023 request inquiries to be removed XXXX XXXX XX/XX/2023 request inquiries to be removed XXXX XX/XX/2023 requesting that all these inquiries be removed Was any personal information wrong in your credit report?

When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( XXXX, Experian, XXXX )? 
N

o Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? No Were there any fraudulent accounts included in your credit report? No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit repor
t, XXXX XXXX XXXX, XXXX XXXX Update
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I have an HSBC bank credit card ending in XXXX. I got behind in payments in XXXX and worked out an agreement with HSBC to repay my debt in monthly installments and all my payments since then have been on time. I made my last payment of {$100.00} in XX/XX/XXXX and customer service told me that my credit card balance and interest owed was now XXXX and that I owed nothing. Subsequently, I got an email onXX/XX/XXXXfrom HSBC stating that I had missed a payment and HSBC demanded that I make my payment regarding an account number XXXX even though I do not recognize that account number. When I called HSBC customer service they stated that they had recently changed my account number, although they never notified me in writing or otherwise of this fact. I also began to receive phone calls to my number ( XXXX ) XXXX even though I had previously asked HSBC in writing via certified mail that HSBC not call me or harass me. They keep calling and CFPB must make them stop. 

When I call the number that HSBC gave me in its XX/XX/XXXX email claiming that I owe HSBC money to try to pay any remaining balance that I owe, it states that my credit card balance is XXXX and that I owe nothing. Still the calls and letters come asking for payment! I have on ly one credit card with HSBC and that card is no longer valid and was closed in XXXX after I made a credit repayment plan agreement with them. I have honored the agreement, but they have not. 

When I ask to speak to an HSBC supervisor at Customer service they tell me none is available. When I call Customer Relations at ( XXXX ) XXXX, they will not put me thru to anyone. I give up! 

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

I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!
Product: Bank account or service

I can not open a bank account due to the fact the Bank Of America flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contact Region Bank about a fraudulent bank wire, between my account at Region Bank and XXXX XXXX for the purchase of XXXX truck in the amount of {$3900.00}. Region Bank replied they will ask XXXX XXXX to conduct reverse wire transfer and XXXX XXXX replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank Region called and notfied me that XXXX XXXX have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in Global Auto Auction account. I ask Region Bank and XXXX XXXX can they help me out with this situation and they both refuse to
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offended to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Complaint Against : Company Name : Experian Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Complaint Summary : I am filing this complaint to address Experian 's failure to remove inaccurate and unauthorized information from my credit report, despite my previous disputes. Experian is in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which mandates the accuracy of consumer reports and the prompt removal of unverifiable information.

Specific Issues : 1. Unauthorized Hard Inquiries : Experian has reported several hard inquiries on my credit report that I did not authorize and that can not be validated. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my explicit consent and are a violation of permissible purpose under FCRA, 15 U.S.C. 1681b.

2. Failure to Investigate and Correct Information : Despite my formal dispute, Experian has failed to adequately investigate or remove these inquiries and continues to report inaccurate information. Recent legal actions have highlighted Experian 's ongoing negligence in verifying and maintaining accurate credit data.

3. Privacy Violations : I have also requested Experian to block the reporting of my credit utilization while keeping my credit lines visible as Paid as Agreed, in accordance with the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and 16 CFR Part 313. Experian has not complied with this request, further infringing on my rights as a consumer.

Desired Resolution : I demand the following actions : Immediate removal of the unauthorized hard inquiries listed above.

Correction of all inaccurate personal information on my credit report.

Blocking of credit utilization reporting while maintaining the visibility of my credit lines as Paid as Agreed.

Written confirmation of these corrections within 30 days, as mandated by the FCRA.

Acknowledgment : This is my second formal attempt to resolve these issues. Experians failure to comply with federal regulations has caused harm to my credit profile and financial well-being. I request immediate intervention by the CFPB to ensure my rights are upheld. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX