23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voicemail from the woman I had been dealing with about my case and she stated for me to call her back. I called the office with the extension she gave me to reach her and a lady answered, never gave her name and I told her who I needed to speak with. She said hold on and transferred me to some man that I do not recall his name. I stated that I missed a call and needed to speak with the lady that I had dealt with prior and he just continued on asking for my information. He then proceeded to tell me my card had been declined and he needed to process it again and asked for my card info. I told him the money would not be there until later tonight because my husband gets paid today. He got rude with me and I said that they were unorganized and he went off sayin " how are we unorganized when you 're the one who 's card got declined '' I then asked to speak to a manager because he was getting loud with me and he told some one in the background that " she said were the unorganized ones but she 's the one who 's card got declined '' making me feel very stupid and talked down upon. When I spoke with the manager I explained what was going on and that I did not know who this man was and I wanted to speak with the lady I have dealt with prior. She said that the woman was off today although I had received a voicemail from her 20 minutes prior to calling them back. I did not feel comfortable giving them my information. No One deserves to be talked to like this when it comes to money. I am struggling at the moment and his rude remarks definitely do not help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows late payment. This account has never been late.
Product: Payday loan, title loan, or personal loan

I took out a payday loan at XXXX on XX/XX/2018. I am currently on my 3rd consecutive payday loan with them. The store even wrote on my receipt when I took out the loan that it was loan 3 of 6. The Indiana Small Loan Law document that they attach to your contract, states the  company is required to offer an extended payment plan at the time you enter your 3rd, 4th, or 5th consecutive loan. I went to the store on XX/XX/2018 to make a payment on my loan and was told I was ineligible for the extended payment plan until I take out a 4th loan. The manager stated she was sorry I misunderstood the Indiana Small Loan Law document, because XXXX starts their loans at number " zero '' so even though this is technically my 3rd loan, they consider it number 2. I asked the manager if she could hold the check until XX/XX/2018 and I could pay off the balance. She stated she could not do that. I know they are able to extend your due date from 2-4 weeks because I have taken out loans with XXXX in the past when I was paid monthly and they would have me due in 4 weeks instead of 2. The manager stated they could not work with me and that my check would be deposited on XX/XX/2018. She said once the check is returned to them then they would offer me a payment plan with an additional {$25.00} return check fee. I called the corporate office and they just called the local store and talked to the manager and reiterated what the manager had already told me. I believe this is deceptive practice by XXXX. They start you out at loan number " zero '' to extend the number of loans you have to get before utilizing the extended payment plan.
Product: Credit reporting or other personal consumer reports

Early in XXXX of XXXX, I had to file XXXX XXXX XXXX. I was having a hard time with my small buisiness. during the XXXX, I contacted XXXX XXXX  and alerted them to the XXXX  in progress. I was informed at that time that I did not have an obligation to make any payments, as the XXXX  XXXX  would supply a trustee and once the process was complete all funds would disperse from the trustee according to the agreement made. I was behind on paperwork and had to re file, extending the time fo rme to get everything i needed as I did not have the funds for a lawyer at the time. The XXXX  was dismessed in XXXX and XXXX started makeing payments again. i made XXXX payments the XXXX  month, in the same month XXXX  repoed my vehicle. I recovered the vehicle the next day and resumed making payments. XXXX  was not reporting during the XXXX  but decided to report XXXX  day past due, XXXX, XXXX, and XXXX  days past due for the months I was under XXXX  protection.I contacted the XXXX XXXX XXXX to dispute the late payments, experian has the XXXX  on my credit file so they are aware of the payments not being late as the XXXX  information is plain on thier platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car lease with Hann Financial Services. 
Status on credit reports shows " paid, closed, written off ''. 
This was paid in full. It was NEVER written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Equifax asking for method of verification on a verified accounts and only received that the accounts was reported correctly. I also challanged the XXXX XXXX compliance. They have not provided me with documentation showing how they verified these accounts. Equifax needs to remember THAT as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Equifax is taking away my rights as a consumer.
Product: Debt collection

company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Payday loan, title loan, or personal loan

I have tried and tried with all three credit bureau Experian, XXXX and XXXX to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove select portfolio from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue select portfolio. I have tried to call select portfolio to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  card services acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. 

XXXX  card services acc XXXX this acc do not belong to me XXXX XXXX XXXX XXXX this acc do not belong tome
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was 30 dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found 1 payments that appears to be made in XXXX and 2 in XXXX that verifies I was on time. I have attached the proof documents to this complaint.
Product: Credit reporting or other personal consumer reports

Ive disputed XXXXXXXX XXXX XXXX XXXXXXXX, Amount alleged owed {$32000.00}, Original balance {$36000.00}, Past due amount & XXXX with Experian, XXXX and XXXX for unverifiable and inaccurate information. After sending four rounds of Debt Validation Letters to the reporting creditor. XXXX deleted and removed this account for verifiable reasons. Experian and XXXX claim that the data furnisher verified it. 

I find that impossible to believe taking the evidence thats clearly presented and stated. Thus Experian and XXXX replying upon e-OSCAR automated system and third party agencies for verification. Taking in to the fact that over been opted out and froze all third party agencies as well presenting debt validation letters to the creditor whom never replied back with verification.
Product: Credit reporting or other personal consumer reports

It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Product: Money transfer, virtual currency, or money service

I added {$750.00} to my cash app account, then transferred to my debit card linked with cash app. I paid for instant transfer which wasnt instant and cash app paid me back the $ XXXX change for the false instant charge but couldnt return me my {$730.00}. I have contacted XXXX XXXX and they tell me I canceled the transaction so funds are sent back to cash app. Cash app tells me funds were successfully sent but fails to help me locate where my money is since I canceled this transaction from my XXXX XXXX debit card account. Cash app blames XXXX XXXXl and XXXX XXXX blames cash app and neither have told me where my money is so I have {$730.00} floating in the internet and no one is helping me solve this. I tried to do a 3 way call XXXX XXXX  was more than happy but cash app was very shady for liability reasons they cant do a recorded three way call which is bad business they are more un willing to help more than XXXX XXXX. Cash app has canceled multiple claims I have requested escalation to a manager multiple times and I have never reached a manager through email or call support. I have photo proof I reversed the transaction and XXXX XXXX claims it and cash app only tells me well funds were properly sent so somebody needs to be held accountable. Its very disturbing knowing a company could careless that {$730.00} of hard earned money can just disappear in a transaction to yourself. Cash app is terrible with support and their effort is less than minimal when it comes to serving a customer that is missing money. XXXX XXXXl confirms funds were reversed/ canceled but neither company can tell me where my {$730.00} is. All I want is my money back honestly how hard is that.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that XXXX has been reporting on my credit file. Despite my repeated attempts to have this matter resolved, the inaccuracies remain, and XXXX has failed to properly investigate or correct these issues as required by law. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, XXXX is obligated to conduct a reasonable investigation of any disputed information. The law also mandates that if the information can not be verified, it must be promptly corrected or deleted from the credit report. XXXX failure to conduct a thorough investigation and resolve these inaccuracies constitutes a violation of this federal law. 

Timeline of Events : On XXXX  XXXX, 2024, I submitted a formal dispute to XXXX, providing clear evidence and requesting a proper investigation.

On XXXX  XXXX, 2024, I received a response from XXXX stating that the disputed items were marked as accurate and verified without any clear explanation or evidence supporting their accuracy.

I followed up on XXXX  XXXX, 2024, reiterating my concerns and requesting additional verification, but I did not receive a satisfactory response.

Most recently, on XXXX  XXXX, 2024, I sent another letter to XXXX, demanding a resolution, but the inaccurate information is still being reported.

The information in question includes [ list specific inaccuracies, such as accounts, balances, or other disputed details ], which I have confirmed are not valid or were never opened by me. 

Applicable Consumer Protections : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputes and ensure that the information reported is accurate and verifiable.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information furnishers are required to provide accurate information and investigate disputes thoroughly when notified by the credit bureaus.


3. FCRA Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or unverifiable information must not remain on a consumers credit file.

XXXX ongoing reporting of this inaccurate information is causing me significant harm, including [ list impacts, such as difficulty obtaining credit, higher interest rates, or emotional distress ]. 

Requested Resolution : I demand that XXXX : XXXX. Immediately delete all inaccurate and unverifiable information from my credit report. 
XXXX. Provide written confirmation of these deletions within XXXX  days. 
XXXX. Comply with all applicable federal laws moving forward. 

If XXXX fails to resolve this issue promptly, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under the FCRA. 

I expect a full resolution of this matter and written confirmation no later than XX/XX/XXXXXXXX  XXXX, 2025.
Product: Credit reporting or other personal consumer reports

I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Santander Consumer Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX. 

To whom it may concern this letter is regarding the account listed above, which you claim is a collection that i have with your company. 
I am requesting validation made pursuant to the fair credit act non compliance please remove from my credit. 
I demand proof that the repossession of the subject vehiclewas legal in accordance with the following UCC : 9-506 effect of errors or omissions- not received 9-611 notification before disposition of collateral- not received 9-612 timeliness of notification before disposition of collateral-not received 9-613 contents and form of notification before disposiion -not received 9-616 explanation of calculation of surplus of deficiency - not received you are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle ( ucc9-627 ) If no such is provided withn 16 days of the receipts defiency will be considered null and void. 
According to the fair credit act section 611 ( 5 ) ( A ) you are required to promptly deleteall information that is inaccurate, incomplete, which can not be verified
Product: Credit card

I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is Fraud!!!
Product: Bank account or service

1. You never pay me promotional bonus {$400.00}, {$100.00}, {$500.00} & XXXX thank you points. As the promotional offer stated that the offer was for new account NOT new customer. The offer specifically indicated for existing savings plus account customer. In XX/XX/XXXX there were two new checking accounts which was linked with new savings plus account & new deposit. 
2. I can not submit a new bill payment. As I stated that I submitted a bill pay {$740.00} on XX/XX/XXXX which was before the due date XX/XX/XXXX. This problem caused by XXXX county and another retaliated bank in XX/XX/XXXX. As national bank, you must responsible for this extra cost {$150.00}. 
3. In XX/XX/XXXX your representative XXXX choose to close my debit card which I did NOT agree with. Therefore you must responsible for my time and cost XXXX {$20.00} XXXX to pick up the card at FedEx facility. 
4. I am asking {$50.00} wire transfer fee to be back because my deposit was NOT safe due to the theft activities happened in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX a unknown person opened new Citi account by using my information. However your fraud department did NOT respond when I notified them. Since my deposit and transaction information were not safe, then you should responsible for {$50.00} wire transfer fee because the wire was NOT delivered on XX/XX/XXXX - XX/XX/XXXX per recipient. I had great concern that the funds were delivered to someone else. That 's the reason I put a review request. 
5. {$280.00} dispute on XXXX transaction : one was XX/XX/XXXX {$110.00} plus {$25.00} plus {$12.00} ( NO fee replacement transaction ), {$110.00} charged twice plus {$25.00} fees plus {$36.00} photo fees from same merchant. On XX/XX/XXXX I returned merchandise back to merchant. 
6. Another dispute was XX/XX/XXXX {$140.00} XXXX merchandise was expired and returned ) due to constant dangerous harassment in the XXXX county, XXXX. On XX/XX/XXXX your citi rep told me merchant returned back {$140.00}, however XXXX business days passed you never put {$140.00} back to my account. 
7. {$3400.00} foreign exchange rate loss in XX/XX/XXXX The exchange rate was {$1.00} to XXXX CYN, however I was only given {$1.00} to XXXX CYN. 
8. {$20.00} unauthorized charge was canceled during pending stage on XX/XX/XXXX 
9. {$9.00} fraudulent checks which were cashed by another bank on XX/XX/XXXX, and XX/XX/XXXX. I need my {$9.00} back since I never received the payment.
Product: Credit reporting or other personal consumer reports

Wrong adressses. 
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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit reporting agency and I have not received a valid response, and items still remain on my credit report.