23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Professional Credit Service sent me a bill a year ago with an option to pay online, over text, or via phone call. However, the bill did not include an invoice number so I wasnt able to pay online. My attempts to pay over text went unanswered. When I attempted to call, there was no option to speak with a representative and the robot would not accept the account number I retrieved from the bill. I tried several times to pay, but none of the options provided by the company allowed me to do so. Today, I was able to get my account number to work for the first time over the phone. I now owe ~ {$300.00} in interest because of how late the payment was. However, the only reason it is late is because I was unable to pay due to their website, text, and phone service not working.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( XXXX U.S.C. XXXX ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( XXXX U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

The account with SYNCB/PPC with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There are no late payments showing on my credit report how come that may payment status tagged ad collection/charge off? Also, the balance says that I have zero balance. I'm not sure if the XXXX have conducted a thorough investigation.
Product: Credit reporting or other personal consumer reports

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

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from XXXX, XXXX XXXX XXXX, and COMENITYXXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX and the CFPB to follow the law : Either provide documentation that the law was followed by contacting XXXX, XXXX XXXX XXXX, and COMENITYXXXX at once, or remove these offending inquiries as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year>, NCB Management Services XXXX XXXX XXXX XXXX pa XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification to Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account. 2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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.

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

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


XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XX/XX/XXXX and XX/XX/XXXX. As a result, I changed my XXXX XXXX  password as this was all I could do.
Product: Credit reporting or other personal consumer reports

This is reporting differently across all bureaus, showing inaccuracies. XXXX XXXX is not my debt this belongs to XXXX XXXX have sold this debt but also charged it off. I keep getting calls from people I dont know who are legit. They would not take the XXXX XXXX back and put it on my credit but not his credit when he is the one who got the vacuum
Product: Credit reporting or other personal consumer reports

This marks my third complaint regarding my status as a victim of identity theft. I am submitting to challenge the presence of certain items in my file, which are a direct result of the aforementioned crime. The items in question are unrelated to any transactions involving the acquisition of goods, services, or funds, either authorized or made by me. According to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Kindly remove the reporting of these items from my credit file, as they stem from an alleged identity theft : -- -- -- -- -- -- -- -- 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 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: Student loan

My issues with XXXX  go back to just about the first day I graduated college and had to start repaying my loans. Their customer service is an embarrassment, as their reputation will show if you do 5 minutes of research into their customer reviews on various websites. Firstly, their website is completely inefficient and more often than not, the password you set up does not work. When you attempt to reset the password by entering your social security number, it does not work. When you attempt to find out how to contact somebody who can help you, there is no information that is well spelled out for you. 

In XX/XX/XXXX, I was in my second year of paying my student loans. I had never once missed a payment. I received a bonus at work, and decided to use it to pay a few months worth of my loan right away. I contacted XXXX  customer service -- -the number took me about 20 minutes on their website to track down. I asked the customer service rep if I paid 4 months worth of the loan in one shot if they could simply use the money that was over the payment amount to pay up the next 3 months and continue my regular payment cycle once that was complete. The customer service rep assured me this would be done. This did not happen. They applied everything to principal without notifying me. How did I find out? 2 months after this phone call, my parents home equity line was frozen because XXXX reported that I " missed a student loan payment. '' Since my mother, a teacher, was a cosigner, it froze my parents home equity line in the middle of a home renovation. It took us 5 weeks to rectify this. I had to beg and plead with XXXX representatives to send a letter of goodwill to the credit bureaus to rectify this. It stripped myself and my parents of our dignity as working people in the process. 

In recent years, XXXX was sold to XXXX XXXX XXXX. This was NOT made clear to anybody and my password yet again did not work. I attempted to recover, and nothing worked. I attempted to call and ask for help and they " could not recognize my social security number. '' In XX/XX/XXXX, I needed to save money for my wedding and a few financial emergencies that came unexpectedly. I called XXXX to attempt to get on an Income Driven Repayment plan and received no help. I kept being told I would receive an email to sign up -- that never happened. I expressed to them calmly, " I simply can not afford this loan payment for the next 6 months. Will you assist me so that this 6 month period does not destroy my financial future? '' I was met with silence. Out of frustration, I hung up. If this company hadn't ruined my credit, I would refinance -- -but why would I risk applying to refinance? To date, I still have not been able to recover my password. Their password reset system does not recognize my social security number -- -what an embarrassment of a company. 

This company is hands down the single worst company I have ever dealt with. They are everything that is wrong with the American economic system and they need to be held to account.
Product: Debt collection

On XX/XX/XXXX I received my results from XXXX  about this account from XXXX XXXX XXXX   XXXX it was deleted. Today I received a letter from this lawyers office as well as court papers lawyers name is Berndt & Associates PC. This issue has been resolved I disputed this back in XXXX.
Product: Credit card or prepaid card

I am still having issues with syncb I XXXX XXXX never applied for a credit card or care credit with this company. iam asking for a letter to delete the info from my XXXX report. I NEVER applied for this and have no knowledge. please send me proof that this is legit. I need a letter from syncb that states that I never made a credit inquiry XX/XX/2019. When I call they say they have no info. if you have no info then why is it being reported to XXXX? I need this resolved, please. I never applied for a credit card or anything. I need a letter from syncb to send to delete it from a credit report. iam asking for a letter and not getting anywhere. this is fraudulent
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several accounts listed contain inaccuracies regarding reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, Transunion, and XXXX XXXX I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint. I will be forced to get an audit report done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$62.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : 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  These fraudulent accounts have led to numerous hard inquiries and collections showing up on my consumer FICO credit report, causing me significant stress. I am requesting the immediate removal of these fraudulent items from all my credit reports and that any related collection activities be halted, as stipulated by my rights under the FCRA and FDCPA laws. Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, which verifies that these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX I applied to refinance my existing mortgage on my property at XXXX XXXX XXXX XXXX NC XXXX. Adviced Freedom mortgage I was retiring on XXXX XX/XX/2020 I really needed to refinance my loan ASAP - they my information and later said they will be closing on the loan in XXXX or XXXX. XXXX Went so as XXXX contacted freedom mortgage they said th etitle company in North Carolina they are working with wants my wife on the loan - I told my wife will not be on the loan becasue she does not reside in the US and she does not plan to move to the US! they replied saying North Carolina law wife is mandated to be on the loan regardless she needs to send a power of attorney for me to sign for her - So she sent me the power of attorney I paid out of pocket - sent it to freedom mortagage and they said the title company wants it in a different format - so my wife sent another power of attorney I gave it to freedom mortgage and the title company - XXXX went by and freedommortgage said they need the original I told them all mail coming in from XXXX is blocked becasue of the COVID wont resume until XXXX - I requested to fnd another title company but instead they closed the loan and said they will have to restart everything - I filed 20 complaints with the company through the 6 month span with my loan office, customer service, loan officer supervisor and the manager of the refinance section, also filed a complaint with the their title company section, and the escalltion dept ..folks on the lower level said they understand my frustration but they dont make the final decision - desicion is made by their managers- they totally shut me off! Now Im pulling money from my savings to supplement paying the mortgage - may have to sell the home - this company needs to checked for fraud they had lied to me that they can not find another title company they also lied saying without the original power of attoney the loan can not be closed. All service members should be warned about freedom mortgage I told them last week if they dont provide a good explanation of why they cancelled my loan and not accepting the fax documents ( power of Attorney ), or waiver the original document, whyy they didnt find another title company - I will report their lack of accountability they pretty much screwed me over with this refinance wasted 5 months when I should have went with another lender! 

I have email corerspondence - as for call in I beleive they deleted the historical records they cant find some of it - I probably called in more than 20 times I lost alot of money from my saving and these people dont seem to care!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Loans are in deferment but the credit reports shows they are open and not into deferment
Product: Credit card or prepaid card

Item no. XXXX has no record on the PayPal portal where I can request a refund. The seller refuses to perform the refund even though I sent the documents. For some strange reason PayPal does not have it documented where I can request a refund. Something is very wrong here. Sent USPS on XX/XX/2020. Charged {$15.00}. 

Item no. XXXX never received. Requested refund of product and shipping fee. About {$24.00}. Purchased on XX/XX/2020. 

Item no. XXXX returned to seller.. Seeking refund on my PayPal account . Purchased on XX/XX/2020. 

I can not get PayPal Credit or XXXX. There seems to be a problem securing a refund for these 3 orders on XX/XX/2020.
Product: Checking or savings account

On XX/XX/year>, I purchased an item through Mercari for {$130.00}. I returned the item within the required timeframe and in its original condition. The seller confirmed receipt of the returned item on XX/XX/year>, and I have the XXXX tracking number ( XXXX ) proving the return was completed. Despite this, Mercari wrongfully charged me for the item and failed to issue my refund. 

Because I did not trust Mercari to resolve the issue fairly, I initiated a charge dispute with my bank to recover the funds. In response, Mercari suspended my account and demanded that I cancel the dispute without providing any assurance that my refund would be processed. This places me at risk of losing both the funds owed to me and any recourse through my banks dispute process. 

XXXX handling of this situation demonstrates poor refund practices and unfair treatment of consumers who use their platform. I am requesting the CFPBs assistance to ensure Mercari processes my refund and implements fair business practices regarding refunds and disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.