23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against XXXX XXXX XXXX XXXX COMPANY I have an open investigation with XXXX XXXX XXXX XXXX Company who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XX/XX/XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
Product: Student loan

Sallie Mae only gave me the option for forbearance and I had postpone loans which increased my income overall amount due. No other options were given. Interest rates are still 15.125 % on the remaining XXXX. Sallie Mae denied the Attorney Generals office request to assist me stating I signed the papers so I have assumed the responsibility and acknowledged interest is variable. Sallie Mae stated the interest rate is competitive to the market and disregarded my financial hardship.
Product: Student loan

[ Incorrect late payment reported -- I did not have a payment due during this time. ] My first student repayment date was not due until XXXX XXXX. I had recently graduated during this time and never received a bill with a XXXX due date. On XXXX XXXX, XXXX I received an email correspondence giving me an update on my loan, stating I will be informed to my repayment schedule 45 days prior to a begin date ( email attached ). The next email regarding my specified account was not until XXXX XXXX, XXXX ( email attached ) and an additional reminder XXXX XXXX, XXXX, letting me know my first repayment date would commence on XXXX XXXX, XXXX. I was under forbearance, still enrolled in school ( graduate program ) at this time and additionally submitted my in-school deferment paperwork which was approved ( even though my university reports automatically ). For these reasons, I had no payments due XXXX, XXXX, nor XXXX XXXX and therefore did not have payments late for these months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXXI XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to CHEXSYSTEMS informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, CHEXSYSTEMS may only furnish a report with my written consent. I did not give permission to CHEXSYSTEMS and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted CHEXSYSTEMS to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send CHEXSYSTEMS an invoice of their violations and expect to receive monetary compensation as well.
Product: Student loan

I setup autopay for my student loan. Then, I see that I am past due and initated a one-time payment. 

Today, I see that NelNet ( student loan servicer ) debited the payment TWICE. 

When I called to get clarification, they said there is a known glitch in the system. They have not alerted any customers of this known glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance Owed : {$2700.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Money transfer, virtual currency, or money service

am filing 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 Transfer 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, credit repair services, or other personal consumer reports

On XX/XX/2020 I reached out to Lexington Law by phone to inquire about their services. I was asked for a debit card or credit card in order to 1 ) verify my identity and 2 ) begin the process of determining if their services could help me. While on the phone with the Lexington representative he texted me the terms and conditions and I needed to text back with a reply of 'YES ' or 'AGREE ' which I DID NOT DO. I read the terms while still on the phone. I then informed the rep that I was not interested in pursuing this mainly do to the fee they were asking. 
Today, I checked my credit card statement and noticed that I was charged {$120.00} on XX/XX/2020 for services that I did not authorize. I have already contacted my credit card company and cancelled my card. However I was warned that this may not be enough to prevent further, unauthorized charges by Lexington Law.

I have been unable to reach a live representative of Lexington Law in order to terminate my subscription. When I call and press '0 ' for a live rep I am placed on hold for about 5 minutes and then hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a dispute later and I received the green return receipt that they received my dispute letter it was on XX/XX/2022 and today is XX/XX/2022. It has been more than 30 days they broke the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. I don't know why you put this information on my account. I believe someone used my personal information and applied for this
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I visited the XXXX dealership located at XXXX XXXX XXXX, XXXX, MI XXXX with the intention of purchasing a new car. Unfortunately, my plans hit a roadblock as I was unable to secure an auto loan due to what was described as a limited credit history. 

Perplexed by this, I reflected on my credit history, which has been established since XXXX, and has seen me successfully purchase new vehicles XXXX times without any credit issues. Puzzled by the discrepancy, a friend recommended obtaining credit reports from " XXXX. '' To my surprise, the XXXX report accurately reflected my credit history from XXXX, while TransUnion and XXXX only displayed information from XXXX onwards. 

Taking immediate action, I contacted TransUnion and XXXX multiple times, urging them to update their records to include my comprehensive credit history. Despite assurances of resolution within XXXX business days, the issue remains unresolved. The delay in addressing this matter has been both frustrating and inconvenient, and I am eager for a swift resolution to rectify the inaccuracies on my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ). Experian has failed to maintain the maximum possible accuracy in reporting my account history, as required under 15 U.S.C. 1681e ( b ). My previous and most recent credit reports show inconsistent and changing late payment dates, proving their reckless disregard for accuracy. This is unacceptable and a direct violation of my rights.

Additionally, Experian is reporting this account against my will and without my written authorization or consent. I have never permitted them to report this account, making this an unauthorized and unjustified intrusion into my credit file. They are knowingly reporting information that I do not authorize, further compounding their violations. 

Further proving their inaccuracy, XXXX is not reporting any late payments on this account, yet Experian is. If this account were truly delinquent, it would be reported consistently across all bureaus. This clear inconsistency shows Experians failure to ensure accurate and verifiable reporting, further violating my rights. 

Experian has also failed in its duty to properly reinvestigate this disputed information, violating 15 U.S.C. 1681i ( a ). Despite my previous disputes, the issue has not been resolved, and the inaccurate reporting continues. Furthermore, the furnishers have failed to meet their obligations under 15 U.S.C. 1681s-2 ( b ) by not correcting or deleting this disputed information.

This serves as my final reminder to Experian. If they do not immediately correct or delete this account, I will escalate this matter further, including seeking legal action and additional regulatory complaints.

I demand immediate action from the CFPB to hold Experian accountable for these repeated violations. I request either the correction or complete deletion of this account from my credit file. Their blatant disregard for accuracy, failure to conduct a proper reinvestigation, and unauthorized reporting of my account must be addressed. I urge the CFPB to take swift enforcement action to ensure compliance with federal law.
Product: Checking or savings account

On XX/XX/XXXX my debt card was stolen while I was out of the country. The person who stole the card did {$830.00} worth of unauthorized transactions. The bank sent me a fraud alert and I then called the bank and reported my card stolen and inform them that the transaction were not authorized by me. They filed a fraud claim on my behalf. They credited the {$830.00} back to my account. On XX/XX/XXXX I received an email stating my fraud claim had been denied. On XX/XX/XXXX they took {$830.00} out of my checking account. I called the bank again and they informed me I could appeal this decision. I appealed and I was told by a customer service representative that I had to do my own investigation while in a foreign country and go to the places the fraud was committed. Since XX/XX/XXXX I have had no response from the bank regarding this matter. No update no communication and no further help.
Product: Money transfer, virtual currency, or money service

I am writing too formally ezofess my concerns about Zelles handling disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfesible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* 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 an account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent inquiry listed below be blocked and deleted from my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed. 
Fraudulent Inquiry : XXXX XXXX Date : XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  XXXX # XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my XXXX bureau, ( XXXX, Equifax, and XXXX ) credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, XXXX is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations. 

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

Sincerely, XXXX XXXX