23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been paying a month amount as part of payment plan, and as the principal has decreased, the interest has increased which does not make since. The company will not disclose the interest rate and when I questioned it, was lied to an told that there was also another debt sent to the company by the original company for fees due in 2015. I was also told that is trade practice for upcoming fees to be sent collection and not billed to the person if they were already in collection. The fees for 2015 have not even been invoiced by the original company and when they are they are due in XXXX 2015. I have verified this with the original company and notified them that something shady was going on with the collection agency. Also the amounts I am given over the phone and on the letters/invoices sent to me each month do not match. I think the practices of Continential Central Credit need to be investigated as they are being untruthful.
Product: Credit reporting or other personal consumer reports

Verisk XXXX XXXX used my information without my written consent nor was I given any notice before they used it without my consent and XXXX also furnished my information without my consent or knowledge after I opted out XXXX XXXX Report # XXXX
Product: Credit reporting or other personal consumer reports

Incorrect address on my credit report. I sent off certified letters to all three credit bureaus stating that several addresses were incorrect on my Credit Report. Letter were received in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital onXX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXXand have not been able to have this removed and that's the need for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have a 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 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX acct # XXXX XXXX XXXX
Product: Debt collection

I have the money to pay my account in full and was Willing to do so but after receiving legal advice, I requested an email or letter in writing stating the XXXX would be paid in full and taken off my credit report. I was told, " we don't do that! ". I explained several times, I was prepared to pay the above amount in full but needed something in writing. I even suggested they send me a simple email with a letter stating the accepted pay off amount and removal of account with all three credit bureaus. Once again, they refused. I can not go against my legal council in this situation and don't understand the apprehension. In addition, they are strongly opposed to my wanting a paper trail by paying with a money order. Once again, I was advised by legal council to not give any bank account information. They are destroying my credit by hitting me with late payments and are unwilling to accept payment in lieu of this simple email.
Product: Debt collection

I have been making payments and some times late. But I always bring paytments up to date.  The card has been closed for some time now. But I am paying it off. I am on a fixed income and can not pay it off in one pament. So I wish they would stop calling every two to three hours about these patments when Im sending their money. If I could pay them in one payment I would.  Thank you for any assitance you can give.

XXXX XXXX
XXXX
Product: Credit reporting

In XXXX 2016, it was brought to my attention that an erroneous account had been turned into collections and reflected on my credit history. I thought I cleared the matter by getting a letter from the company apologizing saying my payment history was in good standing and that error should have never occurred. I am enclosing a copy of said letter. 
A second issue remaining on my credit history is a confirmed stamped " closed '' for matter that was yet another error. A copy of it is enclosed. 
Why does n't the credit directory ( ies ) remove these items when I have submitted documented proof that they are not my issues and no longer valid? I understand they receive all sorts of money by allowing such to remain on one 's credit history, and that is unjust to the consumer. 
Today, XXXX XXXX, 2016, it was brought to my attention again that the said matters have not been removed from my credit history by either of the credit directories. And XXXX XXXX matter that CFPB assisted me with a year or so past remains on my credit history as well.
Product: Vehicle loan or lease

On XX/XX/XXXX we went to the local XXXX dealership and looked at a new vehicle. On XX/XX/XXXX the dealer started the process for us to get financing. They go through GM Financial. On XX/XX/XXXX we purchased the vehicle and signed all of the loan documents for financing through GM Financial. 

On XX/XX/XXXX I refinanced my vehicle loan with another financial institution and GM Financial received my payoff as of XX/XX/XXXX. 

On XX/XX/XXXX my husband and I each received a denial letter for our application of credit from GM Financial. The letter was dated XX/XX/XXXX. The denial was in regards to the application from the local dealership and the credit score information was from XX/XX/XXXX. 

On XX/XX/XXXX my husband contacted GM Financial and after some back and forth was told that the letter was a mistake but then was cut off. 

On XX/XX/XXXX I attempted to contact GM Financial inquiring for the specific reasons for the denial. I waited on hold for 10 minutes and then eventually attempted the text option to inquire for my statement of reasons for the denial. After a half hour I was told I would be sent a Statement of Specific Reasons letter. 

My issue is we received a denial letter more than 30 days after a credit decision was to have been made and we weren't really denied, we got the loan.
Product: Credit reporting

I read about Experian falsely reporting credit scores, and lenders not using the actual credit scores that were sold to me. At the end of 2016, I went to XXXX. I was n't able to see my score, only the information on my credit report. There was a marketing ad advising me that in order to see my actual score that I would have to purchase the Experian Credit Tracker service for {$24.00} a month. I did that. I just cancelled it last month. After reading about the fine that the US has implemented on them, I called them to request a refund for the service I paid for since those number I saw were misrepresented. I spoke with a woman who told me that since I cancelled the service already that she can not issue me a refund because she has no access into my account, which I think is absurd. Also that fact that I can not see my billing history with them through my account without being forced to pay for another month of service is absolutely absurd. I was advised by the rep that I spoke with that told me she could not give me a refund that my dispute case number is XXXX. Once I spoke to the supervisor, XXXX ( rep ID XXXX ) and she only offered my one month refund at a discounted rate ( {$12.00} ), I asked her for the dispute case number ( in case it was different since I was talking to a different person ) and she told me that they have no such thing, when I mentioned to her that a dispute case number was already confirmed with the previous rep she suddenly found a number to give me. A different number but a number non the less. The dispute number that XXXX gave me is XXXX. I paid a total of {$49.00} to Experian for 3 months of service. The first month was billed at {$24.00} and the second and third month was billed at {$12.00} and I would like the total for the three months, which is {$49.00} to be refunded to me. XXXX told me that the another reason I was only getting a partial refund was because the credit score given to me through the product that I purchased was only an " educational score '' because there is no way for them to know my exact score because things change so often with scoring. Its ridiculous that consumers are the victim of their false advertising. If in fact, my score was only for educational purposes, it should still be accurate, after all, education should always be accurate. Additionally, the fact that the numbers were not accurate should have been mentioned in their marketing information that I saw, that prompted me to purchase their service.
Product: Checking or savings account

In the middle of XXXX XXXX, I opened a premier checking account with HSBC Bank USA N.A. to pursue a welcome bonus of {$750.00} as long as the monthly direct deposit is not less than {$5000.00} for three consecutive months from the second month after this account is opened. 
Then I gave my Payroll the filled out HSBC Bank standard form of " Direct Deposit Transfer '' ( attached ) to set up a direct deposit payment in the banking system for paying me of my wage every two weeks. After that, my HSBC Bank premier checking account has received direct deposit more than {$8000.00} per calendar month. 

However I have no received the expected welcome bonus of {$750.00}. 

The HSBC Bank advertisement of this welcome bonus did not define what is the exact meaning of " direct deposit '', nor mentioned that ACH ( automatic cleared house ) payment method or CTX ( corporate trade exchange ) payment method disqualifies. 

So I have contacted the customer service at least five times using its online Live Chat since XX/XX/XXXX and every time each customer representative more or less told me different things however the overall determination is that its marketing department disqualifies the award of welcome bonus to me based on following reasons : 1. I was told that the bi-weekly transaction in my account does not contain a description or verbiage like " direct deposit '' therefor it's not direct deposit, and accordingly disqualified for welcome bonus. 
2. I was told that my Payroll makes payment to my HSBC Bank premier checking account using CTX ( corporate trade exchange ) payment which is not a direct deposit. 

I was totally confused how a common customer like me knows the exact meaning or difference between direct deposit, ACH and CTX? HSBC shall never play wording or verbiage games with customers. 

Actually, in XXXX or XXXX ( I forgot detailed date and HSBC denied to provide me a copy from its digital recording system ) I chatted online with one of its customer service representative to check if my account transaction status was OK for receiving welcome bonus and I was told that my transaction was direct deposit and had been running well so just wait to see three calendar months passing would make you receive the welcome bonus automatically. But it looks not true now. 

It's very frustrating why HSBC Bank did not define or explain the exact meaning of direct deposit in its advertisement in XXXX before I open the account. Therefore it has brought confusion or misunderstanding to a customer like me. 

I did the double check in XX/XX/XXXX with my Payroll department to confirm that the direct deposit had been properly set up with HSBC Bank. Please see attachment. 

Could you please investigate for me and make sure the pursuance of {$750.00} welcome bonus is paid by HSBC Bank. 

My case with HSBC Bank USA N.A. is XXXX. 

Many thanks. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim referenced as regarding civil liability for negligence and non-compliance. Upon reviewing the details of this matter, I believe that the claim is either unfounded or does not accurately represent the facts and legal obligations in question. 

The basis for my dispute includes the following points : Lack of Negligence The allegations fail to provide sufficient evidence demonstrating that I engaged in negligent actions that directly resulted in damages or harm. 

Non-Compliance Allegations There is no verifiable proof that I failed to adhere to legal or regulatory requirements as claimed. 

Inaccuracies in the Claim The details outlined in the claim contain factual errors, omissions, or misrepresentations that mischaracterize the situation.

Failure to Follow Due Process Proper procedures and notifications were not followed, which may render the claim invalid or unenforceable.

Unauthorized Use of Credit Report I have recently discovered that my credit report was used on the dark web, which raises serious concerns about potential identity theft and fraudulent activity. As a result, I request that my report be cleared of any fraudulent activity and my credit score be restored to its proper standing.

Given the above points, I respectfully request that this claim be reviewed and either amended, dismissed, or resolved in a manner that aligns with factual and legal accuracy. If necessary, I am open to further discussion and providing any additional documentation that supports my position.

Please confirm receipt of this letter and provide a formal response within [ 14-30 days ] from the date of this letter. If this matter is not resolved amicably, I may seek legal counsel or pursue alternative dispute resolution options.

I appreciate your prompt attention to this matter. Please direct any correspondence to me at the contact information listed above. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Dear KeyBank, I am writing to express my concern regarding the recent restrictions placed on my KeyBank accounts. Since opening my hassle-free checking account on XX/XX/2024, I have expanded my relationship with KeyBank to include four accounts : one checking account, one credit card account, and two savings accounts. 

Despite my commitment to maintaining these accounts responsibly, I was surprised to find that my accounts have been restricted, and a fraud alert has been placed. I assure you that I have conducted no fraudulent activity with any of my KeyBank accounts. 

Given my trust in KeyBank for my financial needs, I am eager to understand the reason behind these restrictions. Additionally, my access to online banking and other account functionalities has been XXXX, preventing me from accessing my funds. 

As of today, XX/XX/XXXX XXXX XXXX XXXX XXXX, I am unable to perform any transactions or view my account information online. This situation is causing significant inconvenience, and I request an immediate response to clarify the issue and restore full access to my accounts. 

Thank you for your prompt attention to this matter. 

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

I opted out from them sharing my information with any non-affiliate sources and they continue to share my information with the credit agencies. I have requested several times for them to stop reporting and they ignore my requests.
Product: Debt collection

I am writing to inform you that I am represented by legal counsel regarding the debt collection matter involving this account. Please direct all further communication regarding this debt to my attorney at XXXX It has come to my attention that your company has engaged in illegal and harassing practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Your repeated calls, often without proper identification, have constituted harassment and have infringed upon my constitutional rights. Furthermore, my information has been registered on the XXXX Not XXXX XXXX, and your continued calls have violated that regulation as well. 

I have previously requested a debt validation letter, which you have failed to provide. As such, I am reiterating my request and demanding the following information : A detailed history of payments made on the alleged account by me. 
A copy of my wet signature on a contract guaranteeing payment to the creditor. 
Any and all insurance claims filed on this debt. 
Proof of chain of title to collect on this debt. 
Your failure to provide the requested information has caused me financial harm and has negatively impacted my creditworthiness, resulting in denial for future lending opportunities. Therefore, I am demanding {$2000.00} to compensate for the violation and financial harm caused by this invalid debt. 

Please provide the requested information and compensation within XXXX days of receipt of this letter to avoid further legal action.
Product: Student loan

I have been renewing my student loans for about 9 years but did not receive a renewal application for IBR last year and this year. I faxed Navient but did not get a reply. 

Hope you can assist me with this issue. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently have gathered a copy of my credit report because I'm interested in buying a home to start a family. I have been informed that my credit file has been used to access varies mounts of credit files. I've never had no knowledge of ANY OF THESE accounts. I would like this to be removed from my credit file IMMEDIATELY. I appreciate any and everyone involved to helping getting this resolved thank you! 

The accounts are : 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

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 


DATE COMPANY ADDRESS REQUEST ORIGINATOR 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

There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and Ive called 3x to have any and all comments removed along with any pending disputes. The representative told me they would be removed In 3 days. I have a mortgage application pending due to this and I will lose my home and the money Ive already paid. Why do they keep lying to me?
Product: Credit reporting or other personal consumer reports

The original creditor reported this account late 30 days In XX/XX/XXXXXXXX  this account should be removed from my credit file per the debt collection act seven year rule on XX/XX/XXXX. XXXX has different dates for all 3 credit agencies for when this account to be removed. They do not have a complete file of my credit file. They made up the first date of this account being late. 
Secondly I requested a statement on my behalf was to be added to my credit file and every company that received my credit file should receive an updated version. I called several companies that inquired about my credit previously and I asked if their company received an updated version. Each company I contacted adamantly responded no. Either remove these inquiries for the pasr two years or send them updated versions of my credit file per the Fair debt collections act. These companies should be allowed to hear my version of this debt to make a fair decision on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with Equifax, they have failed to correct the inaccuracies. Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided Equifax with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Equifax promptly investigates and removes these fraudulent accounts and inquiries from my credit report. Thank you for your assistance in resolving this matter.
Product: Debt collection

Received a letter from XXXX XXXX XXXX indicating they can not verify the debt and need more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with XXXX regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number is XXXX.
Product: Credit card

Refer to complaint XXXX. It was closed. I did what USAA instructed and it does not work. Although I input my current credit card number, after I input the date of purchase, the " next '' button grays out and thus I can not move on to the next step to submit my extended warranty claim.