23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was not able to be transferred to a supervisor for an issue with a bill payment. I was also hung up by a previous representative.
Product: Debt collection

I called the debt collector after seeing my credit drop on credit Karma. My identity was stolen and used to buy electrical service through a utility company in XXXX. I am in a panic as my social security number is being utilized for someone in Texas. I filed a dispute with XXXX credit bureaus and upon reaching out to the debt collector was told they do not email the necessary information to dispute fraud and to take care of my fraudulent debt. The agents name was XXXX - phone number XXXX. She then proceeded to ask me for my address phone number and spouses phone number. Clearly with the intention of still collecting the debt. This has been a harrowing experience for myself and my family. The debt collector told me without gathering all of this information they would not be able to dispute the fraud. This is clearly a violation of defined statutes and needs to be addressed. I still have no way to resolve the fraud as I refused to provide this information.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with 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 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 to be removed/updated. 

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.

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!
Product: Debt collection

This debt collection agency called me earlier and I informed the person that I spoke with that they had the wrong number, instead of removing my number, they continue to call.
Product: Debt collection

I just received a phone call from P & B capital group llc. I went to pick up the phone and they hung up. I called back and was placed with a man whom I did not get his name. He asked who I was and I asked what he was calling in regards to. He mentioned me having taken our a loan with rise. I asked him to send me verification in the mail about the debt and he said he has already sent something. I told him I have n't received anything and before I could finish my sentence he said I was just playing games and using stall tactics and he will send me to litigation so they can sue then hung up on me. The phone number I reached him on was XXXX.
Product: Debt collection

I have a debt of {$230.00} reported by XXXX XXXX XXXX XXXX XXXX on my credit report, which they claim is owed to XXXX XXXX. I have never opened an account with XXXX XXXX and believe this debt is inaccurate. 


Reference Number : XXXX Creditor : XXXX  Account Number : XXXX Amount Due : {$230.00} Under 15 U.S. Code 1692g, 1 requested debt validation from XXXX XXXX XXXX XXXX XXXX, but have not received adequate proof that the debt is mine. 
15 U.S.

Code 1681b mandates that credit information should be accurate. Reporting a debt for an account I never opened violates this requirement.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a serious issue I discovered on my credit report, specifically related to a repossession that has been erroneously reported by Transunion. My account number on the credit report is XXXX. The reporting agency claims that I have a repossession from XXXX, yet I have not received proper notification about this debt as required by law. 

According to my understanding of consumer rights and fair debt collection practices, I should have been provided with certain notifications regarding this debt. These include but are not limited to : 1. Acceleration Notice : I should have been notified by XXXX that my debt was being accelerated due to non-payment or default. 
2. Opportunity to Cure Notice : Following the acceleration notice, I should have been given a reasonable opportunity to cure the default or make arrangements to resolve the debt before repossession action was taken. 
3. Post-Repossession Notice : After repossession, I should have been informed about the status of the account, any remaining balance, and my rights regarding the debt. 

Since I have not received any such notifications, I am requesting that Transunion and XXXX provide documented proof of the proper notification process. Specifically, I am requesting the certified receipt with my signature on it, demonstrating that I received the necessary notifications regarding this debt. 

Furthermore, I urge you to investigate this matter thoroughly and take appropriate action to rectify the misreporting on my credit report. I request that the account in question be promptly removed from my credit report, as my rights as a consumer have been violated due to the lack of proper notification. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and assistance in this important matter. 

Sincerely, XXXX XXXX email : XXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for these debts, XXXX  XXXX Account ( XXXX ) # XXXX, XXXX XXXX XXXX Account ( XXXX ) XXXX and Credit Collection Service Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I requested.

In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights.

15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : Kohls Credit Card I have kohls credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay 1000s of dollars extra in interest payment. I always keep this autopay enabled for my credit card. 

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.
Product: Mortgage

On XX/XX/2022, our property at XXXX XXXX XXXX was sold. Shellpoint Mortgage, the Servicing Company, provided the Title Company, Landmark Title, LLC, with a payoff amount of {$550000.00}. However, the mortgage statement dated XX/XX/XXXX, depicted an outstanding principal balance of {$380000.00} and a deferred balance of {$39000.00}, a difference of {$120000.00}. The account number for our mortgage was XXXX. 

I solicited the service of XXXX XXXX to recoup our funds but Shellpoint mortgage failed to respond to the Attorney 's letter, demanding an explanation. I called Shellpoint and I was told by a Representative, that they never received my Authorization Letter, granting DSK Law the authority to represent me, which, in-fact, accompanied my Attorney 's Demand Letter. 

Thus, I'm filing this complaint to recoup additional funds due to us if a reasonable explanation can not be provided, for the Payoff amount and other fees. 

XXXX & XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX charged me {$240.00} twice on XX/XX/XXXX ( totaling {$480.00} ) : I called them and they stated to reverse it would take them 30 days and then theyd issue a check because I paid off my final contract bill and switched to XXXX XXXX XXXX  and I was no longer a customer. I contacted Chime and filed a dispute for the duplicate charge on XX/XX/XXXX. On XX/XX/XXXX, Chime provided a provisional credit of {$240.00} for one of the two charges. Then a representative from XXXX called me on XX/XX/XXXX and stated she spoke with her manager and he is able to reverse the duplicate charge and he did so that day and the money immediately showed back up in my account. On XX/XX/XXXX Chime then reversed their provisional credit from XX/XX/XXXX for {$240.00} ( listed as adjustment on my account ) which was correct since the merchant refunded me. Chime then charged {$240.00} on XX/XX/XXXX and listed it as an adjustment. I called them on XX/XX/XXXX and a representative filed a dispute and I was issued a provisional refund of {$240.00} on XX/XX/XXXX. I was then charged again on XX/XX/XXXX and the explanation was the same from the initial reversal. Ive spoken with them every three days since and Ive been told they are still waiting for an update from the investigations team although the turnaround time is 3 business days. As of today they havent resolved it and each time I call someone says theyre sending a message to either escalate it or follow up but Ive not received any permanent resolution for the duplicate adjustments.
Product: Student loan

I applied for a consolidation of all of my loans with the XXXX XXXX XXXX prior to the XX/XX/year> deadline. In that application, I added all my loans. Some of my loans that are serviced with MOHELA were denied with reason being in school status. 

I graduated from XXXX XXXX XXXX XXXX on XX/XX/year>. My XXXX XXXX that I received in the mail has an issuance date of XX/XX/year>. The registrars office at the school informed me that my status of graduated and completed has been in the system since XX/XX/year>. 

I sent another application to add the more recent MOHELA loans to XXXX. Those loans were denied again because of in school status. Ive contacted MOHELA about this issue a few times. One representative told me that I had no recent loans with them besides the one already consolidated which they are servicing. 

I believe all of my loans are now eligible for consolidation. I am requesting that MOHELA send accurate information about the status of my current unconsolidated loans to XXXX. This will allow all of my loans, both past and present to be consolidated into one loan.
Product: Checking or savings account

My husband and I hold a bank account together. He can not handle finances and has a XXXX  problem. Bank of America let him withdraw funds beyond the amount we have in the account, with a notice that if sufficient funds are not in the account to cover the withdrawal, there will be a {$35.00} charge. He withdraws the funds believing he will have the money to put back in time, but rarely has the ability to do so. In my opinion, Bank of America is engaging in predatory lending as it knows fully well when clients will not be able to repay the amounts. If {$100.00} is withdrawn and not covered the charge is {$35.00}, if another {$100.00}, ( which the bank allows ), another {$35.00}. If the money is not in the bank within 3 days then in this scenario an additional {$35.00} per withdrawal is changed. This is usury. I have asked the bank to not allow these transactions but they continue. If I took out a high cost loan the interest would be a tiny fraction of this Bank 's income producing strategy.
Product: Debt collection

I am filing a complaint against Credit acceptance regarding unfair fees, incorrect credit reporting, debt collection harassment, etc. Despite my efforts to resolve this matter, the company has not provided a satisfactory resolution. I want this item removed from my credit report.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX : XX/XX/XXXX ] [ XXXX : XXXX ] [ Transunion XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX PA XXXX ] Subject : Formal Dispute & Demand for Monetary Damages Due to Failure to Remove Inaccurate Late Payment I am writing to formally dispute the inaccurate late payment ( XXXX ) reported on my credit file associated with [ Account Name : First XXXX XXXX XXXX XXXX under Account Number : XXXX ]. Despite my previous requests and legal obligations under federal law, the inaccurate negative mark remains on my credit report, causing me financial harm. 
Under 15 U.S.C. 1681 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), a consumer report does not include information solely related to transactions or experiences between the consumer and the entity making the report. The continued reporting of this late payment, without verifiable proof that it was accurately reported in compliance with the law, is a direct violation of my consumer rights.

Additionally, under 15 U.S.C. 1666 ( b ) of the Truth in Lending Act ( TILA ), a creditor may not lawfully treat a payment as late unless they have followed reasonable procedures to ensure that a billing statement was provided at least 21 days prior to the due date. I hereby demand that you provide concrete evidence, including a tracking number or proof of delivery of my billing statement as required by 15 U.S.C. 1637 ( b ). 
Because of the continued inaccurate reporting of this late payment, I have suffered financial losses, including but not limited to : Increased interest rates on loans and credit accounts Denial of new credit opportunities Emotional distress and reputational damage As per the FCRA ( 15 U.S.C. 1681n and 1681o ), failure to comply with federal credit reporting laws entitles me to statutory and actual damages. I am demanding compensation of [ {$1000.00} ] for the financial and personal harm caused by your negligence.

Required Action 1. Immediately remove the inaccurate late payment from my credit file.

2. Provide written confirmation of the removal within 15 days of receiving this letter.

3. Compensate me for damages caused by the unlawful reporting.

If you fail to comply within the allotted time frame, I will have no choice but to escalate this matter by : Filing a complaint with Federal Trade Commission ( FTC ). 
Pursuing legal action to recover damages, including attorney fees. 

This letter serves as official notice of my dispute and intent to seek legal remedies should you fail to correct this issue promptly. Please respond in writing promptly.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 violate the consumer financial protection act ( CFPA ) specifically Cash App, failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Tresfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX, Arizona area. I never resident there due to me being XXXX XXXX XXXX XXXX, North Carolina while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Account and inquiries on Credit Report I am writing to dispute a fraudulent account that appeared on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I did not authorize or open. The details of the fraudulent account are as follows : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/2022
Product: Debt collection

This is the second complaint. I had filed a complaint about Rash Curtis collecting a debt that the hospital had recalled because I paid the hospital directly. I incurred in interest, lost wages trying to find resolution to this ordeal. 
According to XXXX XXXX Hospital Rash Curtis agreed to debit me back the interest on the duplicate accounts but has refused to do so. The amount is close to 300 dollars. This whole ordeal needs to end. The CFPB did not do anything the first time and took Rash Curtis statements accurately instead of believing me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX  {$1100.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the fair credit reporting act XXXX  XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose