23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Previous complaint : United Credit Bureau has been communicating with me about my medical debt. On XX/XX/XXXX, I phoned them and got them to agree to send me a written agreement- I would get a discount of 30 % off the payment- they would notify all credit agencies upon payment that this debt was paid in full and can be removed. I emailed them as a follow-up, but didn't hear back from them. On XX/XX/XXXX, UCB phoned me again and offered me a 35 % discount off the payment. They also said that it was a time-sensitive discount and that my time was running out before things escalated. I said I agreed to it and would pay, provided that they would email me a written agreement that they would notify all credit agencies upon payment that the debt was paid in full! They no longer agreed to it, and tried to push me several times into paying! 


New complaint : UCB closed my previous complaint by saying that they would mail me a communication. However, in line with their previous aggressive tactics, the letter finally arrived today ( XX/XX/XXXX ) and it stated that : - I had to pay before XX/XX/XXXX however the letter arrived AFTER the deadline passed- they provided a new provider name that did not match up with the provider name that they sent earlier as proof - their account reference number did not match up with the account number they gave me earlier so should I have paid, it likely would have been marked unpaid on my actual account- I requested written agreement that all credit agencies would be notified upon my payment. this was not included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to SAGESTREAM. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit card or prepaid card

I have been in dispute with Goodyear since XX/XX/2018 regarding late fees and interest. I had no idea I would need a new tire when I walked into XXXX XXXX, therefore I didn't have the money or a credit card on me for the purchase. I accepted XXXX XXXX 's offer for a Goodyear line of credit since XXXX XXXX told me It was urgent to get a new tire in fear of mine having a blow out if I continued to drive on it, so I accepted the line of credit. I didn't receive any statements in the mail from Goodyear until about 3 months after I got the tire replaced and in that statement I had 3 months of late fees and interest that had been added to my original tire purchase. I Immediately called Goodyear to explain that this was the very first statement I had ever received from them. The representative I spoke with told me to pay the minimum balance due which was {$100.00}, even though my tire was only {$84.00}, and he would request remaining late fees and interest removed, never heard back from him, instead received another statement a few weeks later with more fees added. Immediately called again, explained situation, and was given information could address with Citibank which I did in writing. I've mailed letters to Goodyear and Citi Bank ( the bank they use ) addressing the issue multiple times and instead of replying to me they sent me to a collection agency, continued to charge me each month following my payment, and closed my account, even though I paid my purchase and additional charges were in dispute. The original balance was {$84.00}, I have already paid {$100.00}, well over the amount owed and now from the continuous charges each month I owe {$400.00} as of XX/XX/XXXX. 

I need help getting these fees removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX / XXXX XXXX XXXX  # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within XXXX  days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

My Citibank account was taken over by an unauthorized party that fraudulently stole over {$18000.00} during the week of XX/XX/XXXX. The unauthorized party used XXXX to transfer the money out of my account. 

I immediately filed a complaint but Citibank has refused to refund the funds or accept any responsibility for the robbery.
Product: Checking or savings account

Dime bank, savings account. Never used debit card that came with it, ever, as money just sits there for savings. Somehow account got compromised, starting in XXXX, 2023. XXXX notice of fraud from Dime bank came in text XX/XX/2023, asking if this is my transaction. Immediately shut down, so no more fraud going forward. Now they won't return XXXX from XXXX, 2023, saying it's too far back to replace. I filed twice to reopen fraud case and get money back from XXXX, as they did return XXXX, XXXX, and XXXX 's 2023 fraud money. Nobody will call me back now and they keep transferring me to customer service, then they tell me to call fraud department again. Here we are. I've never used bank card or carried it anywhere so fraud didn't come from my use of card/skimming. They have admitted that XXXX XXXX is a known scam with history. I just want 12 charges of {$9.00} replaced into my savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

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: Debt collection

Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contacted the credit reporting agencies. XXXX has removed the accounts per legal requirement. But for some weird reason TransUnion feels XXXX not following all the steps. 
XXXX XXXXXXXX XXXX  XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with XXXX for over 6 months, XXXX at wits end. This is the XXXX complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested Transunion to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Transunion failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XXXX XXXX XXXX  - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.
Product: Checking or savings account

Bank of America closed my account and did not give me a reason why. They closed the account on XX/XX/2020 and as of today, XX/XX/2020, I still don't have my funds from the account they closed. They keep saying the money has been sent and will take until XX/XX/2020 to get to me. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

Someone opened a XXXX account, also an Equifax account, in my name. I would like to delete this XXXX XXXXXXXX XXXX
Product: Credit card

I was hospitalized on XX/XX/23 with a serious illness from which I was not expected to survive. On XX/XX/23, Avant, the credit card company, issued me a late fee for failing to make a payment for my credit card bill due on XX/XX/23. 

I was hospitalized for 33 days. When I was sent home, I contacted Avant, explained what happened, requested a waiver of the {$25.00} late fee, and offered to provide proof of my illness/hospitalization. Over the phone, I was told that my request was denied. However, I was offered an email address to " appeal '' this decision. I wrote to the email address and explained in detail what had happened. I received a written email response noting that there is a credit card agreement authorizing the company to impose a late fee-a credit card agreement I agreed to when I enrolled in the account. I replied that I understood there was a credit card agreement and that Avant had the " right '' to impose a late fee, but it was an emergency and I was not physically able to make the payment when due because I was in the hospital in the XXXX XXXX XXXX They did not reply to my message, and I was stuck with the late fee which seems very unfair and unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several online disputes have been sent to Transunion and XXXX   directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both Transunion and XXXX  have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both XXXX  and TransUnion reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Product: Credit card or prepaid card

hello, the following cc company XXXX XXXX XXXX XX/XX/2019 XXXX are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed debt. Requested validation, providing 45 days to do so, company failed. 
Failed to update or remove said debt from all three credit bureaus. 
Credit bureaus have not removed Violating laws and rights Failed to investigate debt.
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 t take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proceed was unfair and deceptive, as they did not comply with error resolution, requirements under the electronic fund transfer act ( EFTA ) and Regulation E. There actions have caused significant inconvenience and financial loss, and i. Seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau ( Experian ) due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Product: Credit reporting or other personal consumer reports

You are in violation 15 U.S. Code 1681i. XXXX XXXX XXXX XXXX ( Account XXXX I disputed the referenced accounts above on XX/XX/year>. The credit report of XX/XX/year> and your report # XXXX shows results that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. ( Please see attachments )
Product: Credit card

I made a payment to my credit card company on XX/XX/year> ( XXXX date is XX/XX/year> ), but in doing so I inadvertently selected the wrong bank account from the wrong bank. My bank notified me that I would have a negative balance and I realized the error. The bank declined the payment, as requested by myself. I immediately went on my Citi account, linked the correct account, called Citi and told them the issue, all prior to my due date. They assured me that everything showed in good standing with the payment and there was nothing they could do on their end until the rejected payment showed back up. I checked my account every day from XX/XX/year> until XX/XX/year> on which the rejected payment populated on my account and I immediately payed it. However on XX/XX/year>, my statement showed up and there was an interest charge for missed payment. My statement end date is always the XXXX of the month. So the fact that Citi didn't post my statement till the XXXX shows me they knew there was an issue with my account, something pending. How am I responsible for an interest charge when the Citi system wouldn't let me pay it prior to the XXXX and even when calling in, the customer service rep could not take payment because it never showed as rejected prior to the XXXX on their end. I reached out to customer service and they told me the interest was due to a missed payment and they can't do anything about it, even though the systematic error was on their end resulting in me not being able to rectify the issue prior to XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant dr

op in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Debt collection

I have disputed this debit for {$800.00} from XXXX XXXX or credit management lp via certified mail Several times. I never opened the account I was told the account was made in Nevada which I have never lived. The company will not provide and documents to prove I opened this account. I have not been provided anything to accurately dispute the fraudulent account. They keep saying the debt has been verified when I know I did not open this account.
Product: Debt collection

Dear CFPB, I am writing to dispute the following information that XXXX XXXX XXXX and XXXX XXXX  supplied to Experian, XXXX, and XXXX. I have attached the item I dispute on the attached copy of my credit report ( s ). 

This item XXXX XXXX XXXX is inaccurate because this account was paid in full, and the equipment was returned to the company am requesting that XXXX XXXX XXXX have the item removed. 

I contacted Experian several times to try to get assistance from them and was not successful. They responded that they had submitted all the documents to XXXX XXXX  and when I spoke to XXXX XXXX and notified me that they didn't receive anything from Experian. ( I have attached a screenshot of how many times I submitted the dispute without resolution. ) I contacted XXXX  XXXX  and notified them that the debit of XXXX dollars was invalid because I returned the equipment, and the account was paid in full. They responded that this was not for equipment its for an unpaid bill. I asked them several times to send me proof of nonpayment, and they refused to do so. 

I contacted XXXX XXXX XXXX and spoke to several representatives, and when they looked into the account and verified that the equipment was returned and that it was paid in full but didn't want to do anything about it. 

I also have attached an email from a different debt collector where they attempted to put in collections for the same account but dropped it because they investigated the account and found that I did return the equipment and paid in full. 

I will be attaching what I have sent to Experian. 

Best Regards, XXXX XXXX