23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted the comenity bank about the interest charges and fees despite paying in full. I also submit vast amount of evidence requested for my claim on a dispute and they never responded nor sent a letter requesting for more evidence. Customer service assured id also get benefits and statement credit upon approval and months later never received anything. Very deceptive practices and even having no way of receiving any notifications or notice of changes. The supervisor i spoke to said they dont know and nothing they can do about it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On, XX/XX/XXXX, I was called by a woman from a company called XXXX XXXX saying that she worked out of XXXX XXXX and she was scheduled to serve me a summons the next day between XXXX XXXX but I could call and talk to the company that hired her at XXXX. She said that I should give them File # XXXX and they may be able to submit a stop order so she wouldn't come with the summons. 

Immediately following that conversation I called the number and spoke with a young lady who told me that I was being sued in XXXX XXXX for {$4300.00} by Wells Fargo. She was nice at first but then when I told her I was confused and didn't understand what it was about she got her supervisor on the line who initially was very rude. He claimed his name was XXXX XXXX and her name was XXXX XXXX from XXXX XXXX. He said he didn't understand why I was confused. He threatened and coerced me into providing some form of payment arrangement for a reduced amount of {$1400.00} or they would have to move forward with the lawsuit which would include all the fees totaling {$4300.00}. He said that it had to happen on this call or else. I'm embarrassed to say that I made arrangements because I was scared to death and they would not provide any documentation for the original creditor/debt. They went so far as to tell me even if I tried to call them it was unlikely they speak to me because the debt had been transferred out to their office. They said the bill was from another state and originally from XXXX which didn't make any sense at all. They finally agreed to send me a letter confirming our conversation but told me it would be from a 3rd party that handled all their payments and I shouldn't be concerned. The company name is XXXX XXXX XXXX. I will attach it to this complaint if I'm able to. They ended the call by saying if I had any problems I could call XXXX at XXXX. Since I was suspicious I looked up the number online and found that others have had the same thing happen to them - a fake serve company and all.
Product: Credit card or prepaid card

I believe that Citibank/Citi Cards did not resolve my dispute within the time limitations of the governing Act set forth to protect me. Since XX/XX/2018, I have made several and ongoing requests by telephone, electronic and certified mail requesting : ( 1 ) documents/communications pertaining to disputes ; ( 2 ) arbitration ; and ( 3 ) that my credit card be closed. 

I have been and continue to be directly damaged as they took so long to reach and communicate their decision to me. To date, I have not received a response from Citibank regarding my many requests. 

Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several dispute requests, XXXX did not update, correct or delete the XXXX XXXX account # XXXX. 

There is still an incomplete payment history which shows huge gaps of no payments reporting at all, even though XXXX says it was updated. The last status update was XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : In reference to the original CFPB # XXXX XX/XX/XXXX is when I initially contacted you about Equifax and it's business practices and the lack there of. They recently sent me a letter in the mail and have failed to block per my request the items on my credit report due to fraud and have asked me referencing 605B of the Fair Credit Reporting Act also asking me to provide a copy of my competed Identity Theft Report, with the Federal Trade Commission Affidavit or a Police Report. I have sent this each and every time and Equifax has failed to block the erroneous information, the same documents they are requesting have been attached to my complaint each time FTC report number XXXX and XXXX Police Report # XXXX Equifax is simply matching my name and an address and not providing any documents they have received. They are merely using the an electronic system. 

I have attached the letter I received in the mail dated XX/XX/XXXX that advises me of their lack to follow credit reporting procedures accurately. I have also attached to you again the FTC report, the XXXX Police report for the XXXX time which they seem to be ignoring. It seems more of a stall tactic because they are paid by companies to hold negative and positive information. I have sent to Equifax my Drivers License, FTC report and XXXX Police report several times. Original FTC report from XXXX attached as well. 

I demand that they promptly follow the proper reporting procedures immediately and delete the items that was involved in my identity theft case. 

All documents are attached again.
Product: Student loan

Last year, in XXXX XXXX, I received a phone call that I had not paid my Discover student loans in 3 months and they were raising my interest rate. I received no calls prior, no emails announcing that my auto-payment had stopped. I paid the amount and my interest rate increased. 

Today, XXXX/XXXX/XXXX, I checked my credit score only to find that my student loans were again three months past due, amounting to over {$1000.00}. I was completely unaware that my auto-payments had stopped again ( for the second time ), no phone call, no letter. When I looked at my file, the last letter that was sent, was in XXXX and did not state anything about the auto-payments being stopped. 

As of today, I am {$1400.00} in debt ( 4 months past due ) and I had no idea that my payments were not coming out of my account. Almost all of my bills are on auto-payment, so I do not think twice. 

This has hurt my credit and caused me immense stress and frustration, because I have always wanted to pay my student loans on time. Why is this so hard? Additionally on the XXXX XXXX XXXX website, everytime I try to log in, it has me create a new password. Every single time, this glitch makes it incredibly difficult to casually log on to check account information, causing further frustration.
Product: Money transfer, virtual currency, or money service

I 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 Elec
tronic 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

Equifax breach caused my ftc violation XXXX XXXX 2 accounts XXXX XXXX  sent the police report with all ftc violation j
Product: Student loan

Hello, I have recently been dealing with paying a debt collector that has been placed with my ECSI account ; ECSI over the years has repeatedly tried to contact me since the start of my repayment of my XXXX student loan of XXXX ; however, upon each time I tried to log in to handle repayment of the loan, I would be taken to circular logging-in issues. Eventually, they started collecting through an agency. It is not until now that I go to log in to ECSI, for the first time ever. Is this fair that they I'm at the mercy of a collections agency still? I can pay the loan off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the XXXX XXXX and/or his office. No proof of debt was provided. 

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from XXXX XXXX or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to XXXX XXXX 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary XXXX I also filed a complaint with Idaho State Bar Association regarding his actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX Account number XXXX {$10000.00} in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Bank account or service

XXXX continued to contact discover bank in spite of account being closed.
Product: Credit reporting

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I sent disputes to Experian XXXX. XXXX XXXX XXXX, TX XXXX on XXXX/XXXX/2016. The investigation was not sent to me 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an " inquiry '' with Transunion and they still have it showing on my credit report. I've tried calling them but can't get through to someone who can resolve this issue. Also, their automated system doesn't allow an " inquiry '' to be removed even if it is incorrect. 

TU show the " inquiry '' has been " verified '' as correct after I disputed it. 

Also, this company XXXX had put this on my credit report after they told me that it wasn't me who applied for their credit card. XXXX refused to remove the inquiry when I talked to them. Why would they " hit '' my credit with a " hard '' inquiry and then say my " identify '' couldn't be verified... double talk and doesn't make sense. I had " identity theft '' on another " bank '' right after they XXXX hit my credit... so this is very suspicious. XXXX XXXX XXXX XXXX is in XXXX where the " identity theft '' happened according to XXXX XXXX XXXXXXXX when I had to deal with someone opening an account in my name w/XXXX This is somehow related but I don't know how... just very suspicious. 

XX/XX/2XXXX XXXX XXXX dual card ( inquiry date )
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Bureau : Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting an account that does not belong to me on my credit report as charged off and the account ( XXXX ) has never reported on my credit report and therefore has never reported as late.
Product: Debt collection

I AM CONTACTING YOU ABOUT THE COMPROMISING OF MY SOCIAL SECURITY NUMBER. I AM A VICTIM OF IDENTITY THEFT. I CONTACTED THE FEDERAL TRADE COMMISSION AND FILED A COMPLAINT # XXXX AND CONTACTED THE POLICE DEPARTMENT AND OBTAINED A POLICE REPORT # XXXX BOTH ARE ATTACHED. PLEASE BLOCK AND REMOVE ALL INFORMATION FROM MY CREDIT REPORT, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THE FOLLOWING ITEMS DO NOT BELONG TO ME AND IS A RESULT OF FRAUD THAT I DID NOT AUTHORIZE : SAFCO Account numberXXXX Account status Closed Date opened XX/XX/2013 Account type Auto Loan Balance Loan Amount {$12000.00} Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Product: Debt collection

Irs called twice and told me someone is using my identity in Texas and have three houses where drugs were found and a trucking mechanic business had something to do with it there also. Saying I have three different bank accounts opened over there but dont even live never even been there in my life only at XXXX XXXX XXXX XXXX The last time on the second call after telling them they called about it and said they were going to find the criminal and seize my social to protect my identity while they catch the person falsifying my accounts and pulling out loans. The police showed up there and no one was found at the three houses but clothes and things I guess as if someone was there supposedly but told them my info and verified myself and the second time they called they just hung up as soon as I told them the same thing but I told them you already called me about this and had said it was getting fixed so I can re use my social security but on the second call they hung up and never called back.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Debt collection

Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX I lived in XXXX, KY and was a XXXX XXXX XXXX customer between XX/XX/XXXX and XX/XX/XXXX. I missed my final bill payment with XXXX XXXX XXXX and didnt know about it until XX/XX/XXXX. As of XX/XX/XXXX the account was paid in full and closed. 

Contract Callers, Inc reported me on my credit report which adversely impacted my score, and they are refusing to remove this from report with out a reason. I tried to explain to them this was the only thing affecting negatively on my report, otherwise i have a very good credit and it is hurting my chances of a getting a loan. 

A single utility bill should not affect my credit score by more than 90 points!!!

The lady on the phone from Contract Callers Inc, was either being untruthful or not well trained of not telling me about the option of issuing a letter to the credit bureaus about the nature of this reporting. This can make a difference on my credit report, but either she was unaware or just did not care for whatever reason it might be.

" Company Policy '' or " Contractual Obligations '' do not matter  when the account is closed and paid off. I was refused to get a copy of these policies and contract obligations from Contract Callers.
Product: Credit reporting

XXXX XXXX Tax Lien being reported on my Equifax credit report should be removed as it is satisfied and was filed in error over 6 years ago. I have requested Equifax remove this information numerous times but they report that the Lien is valid, even though I have provided a copy of the XXXX XXXX XXXX document showing it is Satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints