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

For over XXXX XXXX XXXX XXXX years I have been in a fight with Discover Card over over charges, money transfered ut on my cards to atheir fake accounts. When I called them it was always computer error or Hackers! And now I owe OVER {$40000.00} to XXXX, XXXX and XXXX XXXX and I do not know how many other cards that Discover set up using my name, Address, SS # phone # for money that Discover took from them in my Name! 
And now they are taking me to court because I refused to pay for their computer errors and hackers! 

This XXXX started after I put in a claim for payment protection plan due to me being coming a XXXX  Veteran in XXXX of XXXX! The NY XXXX XXXX in XXXX of XXXX ruled that Discover to stop charging ALL their card holders for the Payment Protection plan and to stop setting up fake accounts that they are still doing!
Product: Student loan

I completed school on XX/XX/2022. Shortly after, my Sallie Mae account said I had a grace period of 3.5 years to pay back my loans. I was never goven a reason of why it said this, or any sort of explanation. I tried contacting Sallie Mae through their website chat feature as well as directly calling them. Both options said the line is busy and they can't help me. There was no way for me to contact them, and they were offering false information on an account which is illegal. I submitted a complaint to the CFPB, to which they responded giving no explanation or resolution for the matter. The problem was not even changed until months later, when my account was corrected saying the actual 6 month grace period. Now, when I open my account, the grace period has been changed again, and it now says I have until XXXX until my repayments start. Again, I tried to contact Sallie Mae using both of the methods they provide, and yet I was stuck with the same issue as last time. I am unable to contact this company, and they continue to illegally provide misinformation on my financial account. This is a huge issue and not something that can keep happening. The first time it was a mistake, the second time its a problem. If no resolution is offered, I will be taking this matter to court.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX - {$5200.00} XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXXXXXX - {$310.00} XXXX XXXX XXXX XXXXXXXX - {$190.00} Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I cant understand how they got there. I always check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser to see if it was a glitch, but it didnt fix anythingthe unauthorized inquiries are still there. I urgently request a thorough review of the documents I sent so I can have peace of mind regarding this issue.
Product: Debt collection

PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX-XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX-XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

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

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


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

On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed
Product: Credit reporting or other personal consumer reports

It has been nearly a year since XXXX XXXX, XXXX, when XXXX XXXX made an unauthorized hard inquiry. This illicit hard inquiry remains on my credit report, significantly impacting my credit score and financial opportunities. This issue will need to be resolved quickly. 

I have also attached the unauthorized/illicit hard inquiry to my credit report and Equifax credit reporting file that XXXX XXXX said it would already be removed and even lied that they did not conduct an illicit hard inquiry. 

XXXX XXXX keeps ignoring their illicit actions of not removing the unauthorized/hard inquiry
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) True Accord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : XXXX  Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. 

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX XXXX NEVER! Did I give XXXX, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name. 


Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
Product: Checking or savings account

Regions bank has sent documentation that they were closing my bank account in 10 business days and issuing me a check for the remaining balance in my bank account. It has been over 30 days. I have had no access to any funds in my account. Theyve instructed that my funds are not on hold just my bank account. There letters to me instructed that the account will close with ten days of the postage letter and funds be mailed to me in a check. Ive contacted numerous branches no one can help. I need my money now. I am going threw a extreme hardship with a XXXX  fianc.
Product: Mortgage

I was opening my mail on XXXX XXXX. I had not had time till then. I was working from XXXX to XXXX trying to make up time I had to take off because of an accident In XX/XX/2918. I came across a letter nothing on it printed as important info. Not a signed reciept letter. It said they would be foreclosing on my house XX/XX/2018. Due to my injury and school where I clean. Had cut my hours to 1 or 2 hours for the summer. I fell behind a month but I had been paying a month behind with the late fee. I was not notified I had a problem till XX/XX/2018. When I got a check for {$40.00} and this letter. This should have been sent signed reciept if it was that important. They had been accepting my payments for 3 maybe 4 months then bamm they come out of the blue with 20 days to come up with another {$700.00}. This is unfair. 2 years ago they charged me extra a month for 9 months because they forgot to add in my insurance to my bill. I played my bill as they said I owed promptly on the first but then I had to come up with {$200.00}. More in full. I had to pay it on the XXXX when I got payed again. That is not fair either. I spoke to an attorney he said I could either pay him or the mortgage company .big business I could not win. Thus us unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$13000.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are consumer reporting agencies and have a responsibility to be fair, impartial and respect consumers right to privacy. 
I have the right to make sure my private information isnt shared. Privacy Act of 1974. 

Firstly, there are multiple non-mailable addresses on all of the reports. I only have one address of which i can receive mail and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all other addresses are to be DELETED. You are putting me at risk for identity theft. TRANSUNION especially!! 

All phone numbers across all reports are to be DELETED. I DO NOT authorize my private phone number to be shared. 

Secondly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is not only a HIPPA Violation, but charged off to a 3rd party and considered to be a certificate of indebtedness which is considered income per the IRS. It is illegal to report income on a consumer report. Its also a violation of the Privacy Act of 1974 ( 5 USC 552a ) to record medical history on a consumer report. DELETE the account from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX is reporting income as well as a violation of 15 USC 1681c. No adverse items or derogatory marks should be on the consumer report. This goes for XXXX XXXX XXXX XXXX XXXX XXXX as well. DELETE both accounts from all 3 reports.

15 USC 1681a ( 2 ) tells us that reporting transaction history between a consumer and the person making the report is illegal. Therefore, all transaction history ( 2 year payment history lines ) should be removed from every remaining account on my consumer report ; across all 3 reports. 

Finally, I have attached letters opting out of credit reporting for the following companies.. 
XXXX XXXX XXXX XXXX XXXX These companies do not have  permission to report on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided applicable laws and evidence of inaccuracies. The LAW says the reports have to be accurate and complete. And they are clearly not. Continuing to report these accounts or updating them with investigation methods provided by law will be considered WILLFUL NEGLIGENCE. **
Product: Payday loan, title loan, personal loan, or advance loan

The representative I spoke with on the phone when initiating the loan told me, on a recorded line, explicitly that if I paid the loan off early the payments would go against the principal and knock off interest charges. When I made my first early payment of {$1000.00} and saw that interest was not being deducted, I called and they said that while payments made through the app were not automatically pre-principal payments, they would create a ticket and fix the issue. A month later, when the interest was still on there, I called back and they said that since it was a recomputed loan I had to pay all of the interest even if I paid it off early.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection ActCash app failed to take timely and effective measures to resolve any of my disputes leaving my account vulnerable and unprotected.. Futhermore the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the ( EFTA ) .. This has caused significant inconvenience and financial loss and I seek appropriate redress for these violations..
Product: Credit reporting

On XXXX/XXXX/2015, I filed a complaint with CFPB against Equifax ( RE : XXXX balance of {$11000.00} ) The dispute # XXXX. 
On XXXX/XXXX/2015, I received confirmation that Equifax agreed and complied to my resolution request to change the XXXX balance owed to {$0.00}. ( XXXX ). 
But, within 2 months, Equifax changed the balance back to the original amount. So, I filed a dispute on their action to report the original balance. to no avail! Equifax apparently is not going to honor the resolution they agreed to. 
I am submitting the CFPB complaint, Equifax response, Equifax dispute results ( XXXX ) and credit report info ( XXXX ) - all reflecting dates and balances. 
I am asking for any assistance you can give to help me resolve this situation, again! 
As, XXXX Bank chose to file a XXXX, cancellation of debt - I am no longer liable for this debt. 
So, I am asking that Equifax permanently delete, not only, the balance of {$11000.00}, but, also, permanently delete the XXXX Bank account from my credit report. 
" and not add it back on in a few months! '' Thank you.
Product: Debt collection

I called attorney who filed judgement in court. Attorney says there no file here contact the company who hired us. 
I tried to contact company but it is no longer in business. I contacted attorney again and they said that theres nothing they can do.
Product: Debt collection

We received a phone call from a debt collector which purchased an old debt that was paid and settle for the less then the full amount back in XX/XX/XXXX which was XXXX years ago NY stipulation is 6 years this debt was paid and settle XXXX XXXX has contunued to harass me after I have noted several times to stop it has now become harassment
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Fox Collecent I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit card or prepaid card

I was shocked when i review my credit and notice the late payments in one of my capital one credit card in XXXX and XXXX account number XXXX, i believe i have made my payments to you on time, the only thing could happen is the statement did not get on time to me.
Product: Debt collection

Financial Account Services is reporting a paid balance of {$53.00} to XXXX. This account was paid directly to the original creditor before this debt was reported to the bureau. I never received proper notification of this debt as outlined by FDCPA 809 ( b ). I have requested documentation of verification by mail as of XX/XX/22 from Financial Account Services it is now XX/XX/22 with no response.
Product: Credit card

This is a new complaint that stems from a previous complaint. 

In my previous complaint the company proceeded with a balance transfer that I did not consent to and contacted them XXXX to tell them to stop. 

The company, Elan Cardmember Service and I came to an agreement where I would pay them back the balance transfer and they would waive the fee.

I've paid them back via electronic debit from my personal checking account and they will not credit my account. So, now my credit score is tanking because my overall credit utilization is very high because Elan Cardmember Service is still reporting my account as having a {$13000.00} balance when in reality, my balance is XXXX. 

Elan Cardmember Service is not reporting the truth to the credit bureaus. I work very hard to manage my credit and my credit utilization to maintain a high credit score and good credit history. Not to mention the fact that they sent {$13000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX last month without my consent and I'm still dealing with the fallout of their reckless and greedy actions. 

Why is there not more oversight for consumers? Where are consumer 's rights? The money immediately left my account electronically. It doesn't take eight days for an ACH to clear. 

There is no end to the bull headedness and bullying of this financial institution that also goes by XXXX XXXX. Why don't consumers have any input or power? Why are these giant financial institutions allowed to besmirch consumer 's credit ratings with false information? 

I want my account to be properly credited and conveyed to the credit reporting agencies. 

I'm attaching two screen shots that confirm that I made an electronic payment to Elan Cardmember Service on XX/XX/24 and the payment clearing my checking account on XX/XX/24.