23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX insurance company without communicating with me passed a bill that I owe an amount to them and I suddenly got a letter from collection agency that I supposedly owe to XXXX  and they request me to pay the amount of $XXXX.XXXXI had paid my insurance balance in full at the beginning of my policy and did not owe anything. I want to make that agency accountable for moral damages and trying to ruin my excellent credit.
Product: Payday loan, title loan, or personal loan

On XX/XX/18 I received a payday installment loan of {$550.00} from Bright Lending. As of XX/XX/18 I have paid a total of {$740.00} to Bright Lending ( more than covering the cost of the loan ). Despite paying the loan off, my balance according to the website is {$580.00} ( more than the original loan amount!
Product: Checking or savings account

the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately XXXX dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, please help me
Product: Debt collection

This company has called family, friends, and acquaintances trying to reach me. I have called back and when I refuse to provide my social security #, they say that I will be arrested at my work before the end of the day. I asked them to send me documentation that I owe them something and they state that they do not have to do that. Again, telling me that if I do n't provide a payment while on the phone, I will go to jail. They have even called family member of my family members who do n't even know me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX  XXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : 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 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 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

I want to dispute this debt and any other debts that should have been off my record but you continue to renew it after the statue of limitations is up. I want to kindly ask you to please go by the statue of limitations and remove this debt and any other debts I owed from my record. I want them removed from all 3 Crdit Bureaus immediately and my records cleared. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report Equifax XXXX aI and XXXX but they refuse not to
Product: Credit reporting, credit repair services, or other personal consumer reports

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to CONVERGENT OUTSOURCING along with Exhibits stating violations per USC 1692d ( 1 ). CONVERGENT OUTSOURCING is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Product: Payday loan, title loan, or personal loan

I requested a {$1400.00} loan for emergency housing needs. I am a senior and was not aware of the {$7000.00} plus repayment for the amount of this loan. My daughter who helps with my bills was reviewing my account on Saturday and was " livid '' when she learned I had money coming out of my checking account from a " predatory lender ''. We put an automatic " stop payment '' on any future withdrawals. I did not understand this was a scam.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I attempted to purchase " stamps '' from JPay to communicate via email to people XXXX  in Virginia 's XXXX XXXX XXXX. The " stamps '' ( {$4.00} ) were instead credited to my account to communicate with people in XXXX XXXX XXXX  XXXX XXXX. XXXX 's system does not allow a person to buy stamps and use them across states. So their system is set up to permit you to only purchase stamps for one state at a time. On XX/XX/XXXX, I purchased stamps for XXXX XXXX XXXX but instead they were credited to XXXX XXXX XXXX. I emailed JPay on XX/XX/2021 to tell them of the problem. I never heard back. On XX/XX/XXXX, I tried to buy stamps again ( {$4.00} again ), assuming there had just been a glitch in the system on XX/XX/XXXX. However, the same exact problem happened again. I was purchasing stamps to communicate with people XXXX  at XXXX XXXX XXXX but the stamps were again credited to XXXX XXXX XXXX. I emailed them ( support@jpay.com ) the same day and told them of the problem. They still haven't replied. 

They are not providing the 24/7 support they claim to provide. It is not fair to people who want to communicate with loved ones in prisons to be taking our money. JPay charges us a LOT of money to communicate with people who are incarcerated ( I'll note that these prices vary depending on the state, which alone seems unjust and cruel ). But to then not even allow us to use the stamps we buy is outright wrong. Beyond that, JPay advertises that {$4.00} will get you 11 letters. But that's incorrect advertising. In fact, you have to use one stamp for each PAGE, and you can not combine photos to text. For example, if you want to send a note with two photos of your children, that costs three stamps, which is outrageous.
Product: Credit reporting or other personal consumer reports

regarding XXXX XXXX  accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Product: Debt collection

After carefully reviewing the letter I sent to NCA certified mail, received on XX/XX/22. written response letter on XX/XX/22. According to their written letter on XX/XX/22 they stated they will start a properly investigation and ceasing collection to all reporting credit bureaus. 
The items listed remain on XXXX and XXXX, 2 accounts with 2 different amounts, which NCA reported false and inaccuracy information on my behalf. Deformation of character. 

Violated 15USC 1681s-2 responsibilities of furnisher of information to consumer reporting agencies, on the same day upon receiving debt violation letter and not reporting on the XXXX and XXXX of each month. During this time the Company has damage and violated my rights under the FCRA 15USC1692e. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15

usc1681. The law required by federal law to verify that this information is mine and is correct. The company has only provided me a copy of a promissory note, which is not enough, per law they have 30 days to verify. SECTION 609 ( a ) ( 1 ) ( A ), SECTION 611 ( 5 ) ( A ).

The law is very clear SECTION 617 Civil liability for negligent noncompliance I demand the accounts to be DELETE IMMEDIATELY FROM ALL 3 CREDIT BUREAUS and my credit score to be adjusted accordingly.
Product: Mortgage

Ive been trying to get a hold of my freedom mortgage to correct the issues with my refinance. The last time I called the direct number I was hung up on by my loan officer. 

My loan still has not closed although it has been over 3 weeks. I have attempted to close the loan on two other occasions and freedom mortgage made mistakes on the paperwork. My refinance loan has been in process since XXXX. I have my XXXX payment due and I need to close between XXXX and XXXX on XXXX XXXX due to a number of extenuating circumstances. I will not be available to close past the XXXX as I am in the military and have orders to move to South Carolina. I have made it abundantly clear the last 4+ times I have called freedom mortgage to receive an update. Every update over the phone I have received from freedom mortgage assured me that the issue would be resolved in the next XXXX hours and I would receive a call from the company to schedule. I have never once recieved a call back or follow up via email in the last three weeks. Nothing has been resolved.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Subject : XXXX Reporting Inaccurate Payment History on Credit Report Date : XX/XX/XXXX Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint details : Credit Bureau Involved : XXXX Account Information : Creditor Name : Bridgecrest Credit Company Description of the Issue : XXXX has reported inaccurate payment history on my credit report, as evidenced by the attached screenshots from XXXX. These errors are severely impacting my credit score and financial opportunities. Despite prior efforts to dispute these inaccuracies directly with XXXX, no corrective action has been taken. 

The payment history details several errors, including : In XXXX, late payments ( XXXX and XXXX  days ) are inaccurately reported for XXXX, XXXX, XXXX, and XXXX. 
In XXXX, there are inaccurate entries of XXXX and XXXX  days late for several months, despite payments being made on time. 
In XXXX, the account history reflects XXXX, XXXX, and XXXX days late for months where payments were not actually overdue. 

This false reporting violates the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to ensure that all consumer information is accurate and verifiable. 

Additionally, this situation exemplifies systemic issues recently identified by the CFPB in its enforcement action against XXXX. In XX/XX/XXXX, the CFPB fined XXXX {$3.00} XXXX for failing to address consumer complaints effectively and mishandling disputes. My experience aligns with these documented deficiencies, as XXXX has failed to properly investigate my dispute or resolve these inaccuracies. 

Resolution Requested : I request the CFPB to assist in ensuring XXXX : Conducts a full and thorough investigation of the disputed items using all available evidence. 
Corrects or removes the inaccurate entries for XXXX, XXXX, and XXXX, and provides me with an updated and accurate credit report. 
Issues a formal apology for the harm caused by their negligence. 

Attachments : Screenshots from XXXX  account showing the inaccurate payment history ( XXXX, XXXX, and XXXX ). 

These errors have had a detrimental effect on my financial stability, including loan denials and increased interest rates. I request the CFPB to intervene to ensure XXXX takes appropriate action to resolve these issues. 

Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2018 XXXX XXXX added a collection account to my credit profile stated a delinquent account balance of {$4300.00}. I have no contract with XXXX XXXX and was not notified of any delinquency, via postal service, electronic mailing service, and or phone contact. My credit profile has been tranished and I would like said account removed and collections attempt void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax can not resolve my log in issue. I have been on phone with them 8 times to resolve. I tried purchasing my score on XX/XX/2018. was not able to process. I called later that evening and was told I needed to purchase the XXXX plan. I did so but it was not processed because I could not log in. The gentleman sent me a new user ID and temporary password and that did not work. he said he was sending a complaint to the IT department and for me to try and log in in a couple of hours. After this I did an online dispute with a Lady on issues I had with my free report I received early that day. followed up next morning. its still not working, called on phone and was send another temporary password, it did not work. was sent another and did not work while I was phone with person. Called back later that day and spent 2 hours  on phone being transferred back and forth with no help. was Finally told by XXXX that reason I could not access my account was that XXXX service was not processed. Said I had to do the XXXX monthly service to get to my account. I did with reservation trying to explain that it would not fix log in problem. she sent new temporary password again twice and it did not work as it has not before. at this point I was transferred around again to several people before I reached XXXX. after several attempts he was supposed to send in a request to IT to have it look at. was told it could take up to several days. Equifax holds my life in their hands with my credit report. on XX/XX/2018 I received an email with new temporary password. XXXX, same result. it did not work. I called to check the status of my disputes and was told they are all still pending, yet I have received confirmation that several have been resolved. I do not know where else to turn. every time I call I get the same thick accented mild easterners that I have a hard time understanding doing the same robotic responses each time. they will not transfer to a supervisor or to a department that can help. Sad that our countries citizens Finacial wellbeing is in the hands of 3 companies that source out there departments and don't care.
Product: Credit card or prepaid card

on XX/XX/2023 my cash app account was closed and XXXX was transfered from my account and i can't get my money back, and i never recieved my money.
Product: Debt collection

GLA calls and leaves numerous messages for me to speak to someone named XXXX. I do not know what they are trying to collect money for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included EQUIFAX information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

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

I am submitting this report in hopes of fraudulent account removal from my credit history. I have attempted to search for the school that was shut down due to fraud and unfortunately someone used my information to attend this school and now I am being held financially responsible for a loan or tuition for a school I never attended. I have also noticed accounts for banks and credit cards that I am not understanding is tied to me in any way. I am hopeful that this will be resolved so that I can build my credit for myself to financially take care of my personal life and responsibilities.
Product: Vehicle loan or lease

In XX/XX/2019 my XXXX was totaled, I have Insurance with XXXX XXXX who was fairly quick to pay their part, however I also have GAP insurance through the Loan with BRIDGECREST. It has been a month and they still have not completed the process of paying the loan and I am not getting a clear answer why the process is taking soooo long. 

I have called XXXX about 7 times today trying to get someone to help me. I need some help because I am still driving around in a rental car. This is ridiculous it has been 2 months.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX account number XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute to the CFPB, XXXX, TRANSUNION, XXXX, and XXXX requesting inaccurate information to be removed from my report. I expect a thorough investigation and for all reporting information be to the MAXIMUM accuracy. According to my consumer report XXXX bank and the credit bureaus are reporting this account as charge-off every single month. The problem with that is the account was only charged off once not three times as reported which makes that VERY inaccurate and detrimental to my consumer file and financial capabilities. It is also a violation that I have continued to ask for for fair credit reporting and all above parties have neglected to do their due diligence. XXXXXXXX XXXX  has made claims that they can not produce the original application for this account which I am entitled to have to be able to dispute fairly and accurately. I have attached proof of the negative reporting and would like the error to be fixed. XXXXXXXX XXXX  has aLao been sent a Debt Validation certified mail and has failed to respond in a timely manner. Also, lets be clear a telephone number alone without solid proof is not enough to verify an account to say that it is indeed mine which was stated in the previous complaint filed. This is my final request before taking legal action for violation of my consumer rights according to 1681 ( b ) as well as the FCRA. This issue has caused me severe stress and anxiety.