23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Product: Checking or savings account

The business Albert XXXX won't pay out new account sign up bonus even though all requirements are met. 

I got referred to sign up a new account on Albert a few months ago. The term mentioned that if I have more than {$200.00} direct deposit from day1-30, day 31 to 60, and day 61 to 90, as well as spend {$100.00} using its debit card during the same bonus period, I should be able to receive {$500.00} bonus. However, in my case, I have already met all requirements, but has not yet received the bonus.When I reached out their support, their first reply was there's no promotion code on my account. This is insane, since I do received a message from them that I'm qualified for this bonus. I also provided screenshot and other information as much as I can. The support still would like my friend who referred me to reach out to them and provide information, which I also did. Even worse, now they admit that I'm qualified for the promotion, but they started to complain about my spending on the card. 

In short, I don't see the business wanting to pay out the bonus as their terms say. This is the reason I'm filing this complaint, and I would like to receive my $ XXXXbonus for meeting all requirement on new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Disputes with the company on XX/XX/2018/. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the 30 days to respond, I have not gotten a response.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

XX/XX/XXXX, I uploaded to Select Portfolio Servicing, Inc.s website a hardship letter that disclosed I have a XXXX XX/XX/XXXX, I uploaded to Select Portfolio Servicing, Inc.s website a hardship letter that disclosed I have a XXXX. 
XX/XX/XXXX and XX/XX/XXXX, I submitted a reasonable accommodation and modification request. 
XX/XX/XXXX and XX/XX/XXXX, I emailed the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. and made a reasonable accommodation and modification request and disclosed my XXXX and attached medical documentation and stated that I was applying for SSDI and that I felt they were discriminating against me because of my XXXX. 
XX/XX/XXXX I emailed that I am a person with a XXXX to the following : XX/XX/XXXX, XXXX response to the mortgage assistance required documentation, I uploaded medical documentation to Select Portfolio Servicing, Inc.s website. 


This was the denial : SPS has reviewed your request for workout assistance on the above referenced account. We are unable to approve your request for assistance involving a Short Payoff. 
We determined that we are unable to assist you in this proposed arrangement because the offer received was not sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.
Product: Debt collection

In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
Product: Student loan

The original company sold my loan without my permission and when I looked on the website XXXX they weren't authorized to even have my loan. They send payment letters to my house weekly. The loans are under my maiden name. I got married XX/XX/year>.
Product: Credit card or prepaid card

I have a Costco CitiBank Visa and encountered a problem with a spa vendor due to a business matter within the company. I purchased XXXX XXXX XXXX for a XXXX treatment on XXXX XXXX.  At the conclusion of that treatment, I opted to purchase a package of ten for XXXX (XXXX) per session. Ten sessions were deemed to be cost effective and offer maximum results, as a la carte sessions were XXXXI had one follow-up visit on XXXX XXXX, wherein I had a massage and a XXXX   treatment.  The subsequent appointment scheduled for XXXX XXXX was cancelled due to the dissolution of the business relationship with the therapist.On XX/XX/2019 I filed a dispute, as I paid for ten sessions in good faith that this merchant could no longer provide due to the dissolution of relationship with the XXXX. Citibank reversed the charge and credited my account XXXX.On XXXX XXXX, Citibank furnished a subsequent response by the vendor that was dismissive and accused me of “scamming” , despite support documentation acknowledging I did not receive full package. Citibank returned the charge to of XXXX my account.I was encouraged to reply to the XXXX XXXX letter and did so on XXXX XXXX.On XXXX XXXX, Citibank sent a response to my letter stating they would work with the merchant bank to obtain a permanent credit and would advise me of any reason the credit would not be reversed. Citibank reversed the charge again and credited my account XXXX.  Finally, on XXXX XXXX, Citibank informs me that the merchant will not honor the request based on information that I have provided. Citibank returned the charge to of XXXX my account this week.  I do not know the other company/merchant bank involved and am unable to name them here.However, it appears that Citibank has handled the matter poorly. Citibank has reversed charges four times (with adverse credit score impact) and has not given me adequate consumer protection, sound basis for their decision or an equitable outcome given the facts.
Product: Debt collection

I have done this before in regards to XXXX XXXX with a number of agencies. They continue to list it with agencies who call and report this to my credit. I will not continue to jump through hoops to prove dispute. This last agency Diversified Consultants continued to attempt to get payment out of me after telling them this was fraud/dispute, when i asked for a manager, he told me that it was essentially my fault that this is ongoing, after asking for compliance department was told basically not in their hands and would need to handle this with dish. This needs to stop.
Product: Bank account or service

I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. 

After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). 

My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. 

HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.
Product: Credit reporting or other personal consumer reports

In XXXX i notice an item on my report, that did not belong to me. on several occasions i have tried to submit disputes, written letter and shown proof this in not my information. I have attempted to contact debt collector as information is not mines, letting them know someone has stolen my identity, file all police report and submitted with the FTC. all 3 credit bureaus have been asked to remove information regarding XXXX XXXX of {$1200.00} and Absolute Recovery Services in the amount of {$4200.00}. As, according to the FCRA section 605B it is illegal to report information without my permission and it need to be remove as its not mine information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re XXXX Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Please delete the following closed accounts off my credit report immediately. 


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: Debt collection

This person who calls himself " XXXX XXXX '' from Bryant, Hodge and Associates claims to have my social security number from my employer and is very belligerent and uses very abusive language. I 've told them several times to stop calling me and send me a letter verifying the information and they refuse and just keep calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX, XXXX XXXX Reported to Experian that I had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute for Removal of Inaccurate Information Digital Employee Federal ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from Digital Employee Federal, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I never received any communications from this company regarding any bills from XXXX XXXX XXXX. Back in XXXX I went to XXXX  XXXX  which is part of the XXXX  XXXX  network to get a procedure. After receiving the bills in the mail, I sent XXXX XXXX  a check to settle any balance owed at that time. atatched is copy of the letter as well as th check sent to XXXX XXXX. You will also see atatched a copy of my bank statement from XX/XX/XXXX showing the check of {$100.00} which has the number XXXX has been cashed by XXXX XXXX/XXXX  XXXX. so after the check has been cashed, per the letter, the account balance should have been zero and closed. so I'm surprised to see that XXXX XXXX XXXX, after two years is reporting false information on my credit report and trying to collect a debt who doesn't exist and that was settle two years ago. Since it has been more than two years, I can't get a copy of the actual cashed check but if you look at my bank statement, on XX/XX/XXXX XXXX, the check number " XXXX '' has been cashed and it is the same exact check number/amount on the letter sent to XXXX XXXX/XXXX  XXXX. I called wells fargo to request a copy of the check and hope they can email it to me asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to get my account unfrozen by Equifax but I was not able to do so. The representative wanted me to send documents to have my account temporary unfrozen. I am in the middle of applying for a loan and need it done immediately but they refused to temporarily open the account. The woman stated that I didn't answer something on my credit correctly. But I answered it correctly. I have never given permission to Equifax to gather my personal and confidential financial information. This is information they have stolen and now they make money off of my information and have not kept it secure so their breach put my information out in the public which is why the freeze in on my account in the first place. I demand my account to be temporarily unfrozen when I need it done and that Equifax stop trying to extort more information through my confidential documents to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO REMOVE XXXX XXXX , XXXX ( XXXX XXXX OF BETTER OR SCREENING REPORTS. ( SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit and have attempted to review my Equifax report several times and have been refused access to my report. I also just found out that my credit report with Equifax is still reporting several accounts that should have been removed almost 2 years ago like XXXX XXXX and XXXX  have, but have not and as a result Equifax is causing me great financial hardship. Additionally I was one of the victims of breach of information and to be refused my report while reporting old outdated and derogatory information is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
Product: Credit reporting, credit repair services, or other personal consumer reports

M.A.R.S Has Been Continuously Harassing Me About A Balance Placed on my credit by a former landlord whom lied and falsified documents. I have documentation and they refuse to hear me out or accept anything. Continuously harassing me about something I do not owe this has been going on since 2020