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

This account was canceled on the following date : ( XXXX, XXXX  ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Equifax is falsely reporting inaccurate late payments on my XXXX XXXX XXXX account ( Account # XXXX ). This doesnt make sense because the payment status is correctly marked as Paid as Agreed. XXXX and XXXX are both reporting this account correctly, yet Equifax stands alone in misrepresenting my payment history. Under 15 USC 1681e ( b ), Equifax is legally required to ensure maximum possible accuracy in consumer reports. However, Equifax is violating this requirement by falsely reporting late payments that never occurred. This misinformation is damaging my credit profile and must be immediately corrected. This account should not have any late payments, as payments were made on time. However, Equifax has wrongfully reported late payments for XXXX and XX/XX/year>, despite no other credit bureau making this mistake. Why is Equifax the only bureau reporting these errors? This raises serious concerns about XXXX data verification process and whether it is negligently reporting false information. Under 15 USC 1681i, I am formally disputing these inaccuracies, and Equifax is required by law to conduct a reasonable reinvestigation and correct these errors immediately. If Equifax fails to correct this inaccurate reporting, it will be in direct violation of federal law, exposing itself to potential legal consequences for willful noncompliance.

I demand that Equifax immediately update my credit file to reflect the correct payment status and provide written confirmation once the corrections have been made. Any failure to do so will be considered a deliberate violation of my consumer rights, and I will explore all available legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX. XXXX XXXX XXXX Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

There currently an account with XXXX/Comenity/XXXX/XXXX that is reporting in error on my credit files that does not belong to me/ At this time, I have requested for the company to provide me information regarding the account and validation of it belonging to me. As of XXXX they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ( natural person consumer ) reached out to company after i noticed the inquires on my consumer report. They stated that they had permissible purpose, So I asked them to provide the document where I gave them permission in Pursuant to 1681b2 It's been over 90 days company has failed to provide documents I originally submitted this on the XX/XX/2022 to CFPB and yall closed my investigation report stating that I already reported this problem, CFPB also mailed a letter to me stating that someone filled a complaint under my name. Suggesting someone other than me submitted the complaint. I assure you I XXXX made the complaint without the help of anyone that did not identify themselves. So CFPB is giving me misleading information as of now because you state one response on your website which is different from what you mailed to me I will attach the letter I received so that you can reference previous complaint to reopen investigation
Product: Credit reporting or other personal consumer reports

Dear PrimeLending Customer Service, Attn CFPB and All three Major Credit Bureaus I hope this letter finds you well. I am writing to address a persistent issue regarding the reporting of a late payment on my credit profile by PrimeLending. Despite numerous attempts to rectify this matter, the erroneous late payment continues to negatively impact my creditworthiness.

I have been a loyal customer of PrimeLending for about 10 years, and I value our relationship. However, I have encountered an ongoing issue with my credit report that requires immediate attention. The issue revolves around a reported late payment that is inaccurately attributed to my account. I have made several calls to your customer service department to address this issue, and while your representatives have been helpful in temporarily removing the late payment from my credit report, it reappears after a certain period.

This recurrent problem has been both frustrating and detrimental to my financial standing. I have diligently made my payments on time, and it is disheartening to see my credit score suffer due to a chronic mistake on PrimeLending 's part. As a responsible borrower, I believe I deserve accurate reporting and fair treatment when it comes to my credit profile.

I kindly request that PrimeLending take immediate action to permanently remove the incorrect late payment report from my credit profile. It is crucial to rectify this situation to prevent further damage to my credit history.

I am aware that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of information reported by creditors, and I trust that PrimeLending will adhere to these guidelines by promptly addressing and correcting this issue.

I kindly ask for a written confirmation of the removal of the incorrect late payment from my credit profile within 30 days of receiving this letter, as required by the FCRA. Additionally, please provide me with the contact information of the individual or department responsible for overseeing this correction to ensure effective communication regarding its resolution.

I believe in the importance of maintaining a positive and productive relationship with PrimeLending, and I am confident that we can resolve this matter amicably. Your prompt attention to this request is greatly appreciated, as it will allow me to regain confidence in the accuracy of my credit report and ensure the fair representation of my credit history.

Should you require any further documentation or information from my end, please do not hesitate to contact me at your earliest convenience using my supplied identifying information. I look forward to your prompt response and a swift resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Thursday, XXXX XXXX 2017, XXXX XXXX PST, and other times Robocaller identified self as " Trans World Systems, INC > '' Recipient informed that call is to collect debt ( unknown type. ) Instruction given to call " XXXX XXXX XXXX '' at " XXXX '' An I.D . code = XXXX was given.

Robocall came from " XXXX XXXX '' " XXXX ''
Product: Student loan

I called my loan provider, Ed Financial, on XX/XX/XXXX. I wanted to talk to them about my current plan and if it was still right for me, or if Biden 's SAVE Plan was better for me, or anther one, etc. now that my first post-covid payment is coming due in XXXX.. 

The person on the phone told me my loan was automatically switched to Biden 's SAVE Plan. They told me they could do this without my authorization, which is what happened. Not only did they switch me to this new plan, they reduced my monthly dollar amount to pay going forward, all without my authorization. 

They said there was no interest involved.

I asked why before Covid I was paying {$250.00} a month, but now my payment is only {$64.00} per month. I told them it sounds like an interest payment. 

They assured me {$64.00} was the new payment amount and that 100 % of that payment was going to principal. Further, if I pay that amount for 10 years, any remaining balance is forgiven. I was skeptical and asked if they were sure. I told them flat out I do not want to only pay interest and not move my balance down. They re-assured me it was 100 % principal and that the payment would reduce my balance that amount, that this was mty payment going forward, and after 10 years maximum, any remaining balance is forgiven. 

I asked them to provide me this info in writing and they told me they are not able to provide anything requested in writing. This was obviously a lie. They owe me whatever they say in writing at my request. 

I further told them I have been paying since XXXX and asked if they were sure I needed to pay 10 more years. They told me they were not sure and that I'd need to call the Department of Education for that information. 

I called the Department of Education and was told they have nothing to do with the duration of my loan, that it is all on my provider, Ed Financial. 

I called Ed Financial back and was told this time the {$64.00} is an interest payment and paying that amount monthly will not move my principal balance down at all. 

I was totally lied to on the phone, being first told it all would apply to principal. In fact, it seems none of it does. I was lied to in how they said they could not give me that info in writing. 

I was lied to in how they said I needed to contact the Dept of Education to find out how long I have to pay. 

I was lied to about literally everything they had to say that will have serious ramifications on my loan. 

After my second call they did not offer to resolve anything. They told me a supervisor would call me the next business day and that they would provide a transcript of my original phone call, which would take 41 business days, long after I need to start paying again. 

Fraud, lies, and deceipt at Ed Financial. Further no one offered to make it right, and as of now I am wiating to speak to their supervisor, fugure out what I actually need to pay, figure out why they reduced my loan payment amount to an interest-only payment without my authorization, then lied and said it was principal only, and further lied they could not provide that in writing. I have a mess here, and I am seeking legal council.
Product: Credit card or prepaid card

Hello my problem started XXXX XXXX around that time, the problem is that my credit card from bank of america was hacked and used from my XXXX  account, they purchased some car part from XXXX XXXX   a compani on California, the same day that this happen my bank send me a text asking about this transaction and I did said that I wasn't me so I cancell that card bou still a week after that i recieved a package i noticed that was some body parts so I call the company to send that back to them, because I checked my bank and they put the money back to me, I did send that back to the company and after that a received a letter from banc of america saying that y was responsable for the amount, so from that day to today I was trading to fix this problem that already have the receive from the post office that I did send everything back to them, but they still making me responsable for this amount, please help is making my days miserable
Product: Credit card

To Whom It May Concern, This letter serves as a formal dispute of the alleged debt reported on my credit file. Under 15 USC 1681i, your agency must validate any debt before reporting it. Congressional findings confirm that collection agencies can not report unverified debts. A billing statement is not valid proof of the alleged debt. You must provide legitimate validation, including the original signed agreement and a complete payment history from the original creditor. If you fail to provide this, you must remove the debt from my credit report immediately.

Additionally, under 15 USC 1681c, you can not report obsolete or outdated information. If the alleged debt exceeds the reporting time limits outlined in this statute, you must remove it at once. 

Provide proof that your agency is licensed to collect debts in my state of residence ( Hawaii ). If company is not legally authorized to collect in my state, remove the reported collection from my credit file immediately. 

The statute of limitations on all accounts has not expired, and none have been validated. If you can not provide proper validation, you must stop all collection efforts, remove late payments and delete any negative information, Charge-offs related to this account from my credit report without delay. A billing statement does not verify alleged debt. 

I am fully aware of the CFPB v. XXXX lawsuit, which reinforces consumer rights against inaccurate and unverified reporting. Any continued attempts to collect or report an unverified debt violate federal law. If you fail to comply, I will take legal action against your agency. 

You have 30 days from receipt of this letter to respond. If you do not comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This is your final notice. Take corrective action now. 

XXXX reporting XXXX XXXX XXXX, XXXX, JPMCB CARD
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX : XXXX : {$6900.00} Date of XXXX
Product: Credit card or prepaid card

My USBank reliacard was " locked/deactivated for fraud protection '' on the XX/XX/2020. I am the cardholder, and I have been the only one who has had access to it. I did nothing unusual to give USBank a legitimate reason to lock my card/withhold my money. 

I have called the number printed on the back of my card EVERY single day, at least TWICE PER DAY, with the intent and request to have this " Block '' REMOVED, so I may continue to use my card and have access to MY funds on it. 

Each time I spoke with the reliacard representative, I have told them to remove the unnecessary " Fraud protection Block '', as I have been the only one using my own card. 

Then they told me to upload pictures of my i.d . and a live selfie to their website..AND I DID THIS ... 3 TIMES! The Rep stated that in 48 hrs max AFTER SUBMITTING THIS it will be REACTIVATED. Well, almost 2 weeks have gone by and they HAVE NOT UNBLOCKED IT. THEY SAID THEIR " OFFLINE " team are the ONLY ONES WHO CAN unblock the card ... .and yet they do not give their number for me to call ....! THEY ARE HOLDING MY MONEY FOR NO VALID LAWFUL REASON! AND LYING TO ME ABOUT UNBLOCKING IT! 

I have a serious XXXX XX/XX/XXXX that I have to pay for the MRI/SPECIALIST visit for in 2 days and I am denied my rightful access to my money to pay that bill with! Not to mention NECESSITIES required to live, I can not buy anything and am starving because USBank is illegally withholding my money, .and it says NOWHERE on their cardholder disclosure form that they would pull this XXXX. 


I have asked to speak to supervisor and they say the same lie, blaming it on their " offline '' team ... THAT MAY OR MAY NOT EVEN EXIST! 


PLEASE help me with this, I have tried everything I know to do to resolve this..I do not know what to do. I am very upset and struggling due to this inconvenience ... I have been WRONGED by this dishonest bank run by Con-Artists. They are illegally withholding my money! 

Would you please help me? I know I am not the only one going through this either. 

Thank you for your time, and for listening. 

You may call me if you'd like at any time. 

XXXX XXXX XXXX Reliacard debit prepaid cardholder
Product: Credit card or prepaid card

Chase Bank. When you go to their website or XXXX app, there is a marketplace where they offer you products. Credit Cards, Auto loans, etc. They tell you are already approved and give you the terms, amount and rates. When you click to accept they deny it for different reason. I called Chase to explain but they said that is like a pre approval. But why they say it is already approved?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XXXX     XXXX    XXXX  VA  XXXX  #  XXXX  dob  XXXX / XXXX /  XXXX   Transunion,  XXXX  and   XXXX    will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Product: Debt collection

hello, On XX/XX/19 an call was placed to this agency for the debt that is on my credit report. this amount is wrong. Payments were paid to the previous agency and the converter boxes has been sent back. I was supposed to received at least {$200.00} credit for the boxes being sent back, seeing that the original debt was for service that has not been rendered. The cable service was to be paid a month a head of time every month. If not paid they will cut off your service. So bad enough I still have to pay for a bill on cable I didnt get the opportunity to watch but they are trying to make me pay for the boxes and for payments I already paid. They offered me a {$230.00} settlement that I declined, the balance they said that I owed was {$470.00}. I told them if they take in light that I did send the boxes back with they said was {$160.00} and deduct that from the {$470.00} and then offer me a settlement, I would be more inclined to take that offer so it can come off my credit report. but they declined
Product: Checking or savings account

Subject : Urgent Assistance Needed : Unresolved ATM and Debit Card Claims I hope this message finds you well. I am writing to express my deep concern and frustration regarding the unaddressed ATM and debit card claims associated with my account. Despite my persistent efforts, which have surpassed a hundred calls, there has been no response from the bank, and crucially, no evidence validating the questionable transactions. 

I find myself in a precarious situation, as my account has been reported to XXXX, leading to a negative balance of {$1200.00}, contrary to the expected {$2300.00}. I urgently seek your assistance in resolving these issues promptly. Moreover, I kindly request a callback from the relevant department to discuss and rectify this matter. 

I was in XXXX at the time of the transactions in question, which primarily consist of ATM charges. Strikingly, I have no recollection of receiving any corresponding funds. Despite my civil attempts to resolve this matter with the institution, there has been a notable absence of cooperation. The bank has failed to provide any information or respond to my requests for clarification. 

The specific transactions in question are as follows : - {$360.00} on XX/XX/XXXX ATM - {$98.00} on XX/XX/XXXX ATM - {$460.00} on XX/XX/XXXX ATM - {$300.00} on XX/XX/XXXX ATM - {$360.00} on XX/XX/XXXX ATM - {$98.00} on XX/XX/XXXX ATM - {$120.00} on XX/XX/XXXX ATM - {$290.00} on XX/XX/XXXX ATM - {$290.00} on XX/XX/XXXX ATM - {$170.00} on XX/XX/XXXX ATM - {$290.00} on XX/XX/XXXX ATM - {$170.00} on XX/XX/XXXX ATM - {$140.00} on XX/XX/XXXX ATM In addition to these, there are XXXX charges that I believe are fraudulent or a result of a scam : XXXX ) {$150.00} on XXXX XX/XX/XXXX XXXX ) {$800.00} on XXXX XX/XX/XXXX XXXX ) {$970.00} on XXXX XX/XX/XXXX I understand the bank 's perspective on the validity of these transactions, but as a consumer, I have the right to obtain proof of their legitimacy. Regrettably, the bank has failed to provide the necessary information, leaving me in financial distress. 

I earnestly request the prompt resolution of this matter, the restoration of my account balance, and the removal of the derogatory report from XXXX. 

Your immediate attention to this matter is greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2024 I reached out to the lender to request a loan modification for reduced payment. The lender refused. Reached out few more times and each time refused. I explained that my housing payment was to double and I was trying to get ahead of that. The lender was less than helpful. They would not accept a lower payment and refused to give an address to send payment to. Then had their in-house collection team to contact me where I explained again all of the information that I they already have. They spent weeks giving me the runaround so that they could sue me, which they did. In every correspondence I kept saying the amount that I could pay. They refused to give a payment address. I filed a response to their lawsuit stating the same information as here. They have now given yet to another collector who also sucks.