23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019 Winn Law Group responded to my complaint filed against them and XXXX XXXX for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, XXXX instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. 

After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.
Product: Credit card or prepaid card

I received a letter from Synchrony Bank on XX/XX/22 falsely claiming that I had requested to open a PayPal Credit account. I absolutely did not do this and believe this to be a marketing scam. I tried to contact PayPal to find out why I received this letter, first via chat, with no success ( they were unresponsive ) and second by calling. The CSA immediately transferred me ( supposedly ) to PayPal credit where no assistance was available because the robot kept asking me for an account number, which I obviously do not have. Simply asking for an agent did not permit me to override this step. There is no contact information on the letter other than a return address to a po box in Florida, which immediately raises red flags. If there is a security issue regarding someone trying to open an account in my name, I absolutely have a right to ascertain this information. If it is a cheesy marketing ploy, I am livid that they have wasted my time trying to sell me a product I am not interested in via a fear tactic that can not be quickly dismissed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Complaint Regarding Inaccuracies and Time-Barred Debts on Experian Credit Report - Report No. XXXX Dear CFPB, I am writing to formally lodge a complaint regarding multiple inaccuracies and outdated information on my Experian credit report, reference number XXXX. These issues are affecting my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific issues I am encountering are as follows : Inaccurate Information : My credit report contains numerous errors, including accounts I have not authorized or do not recognize. 
Time-Barred Debts : Many of the debts listed are past the statute of limitations for collection under Georgia law ( O.C.G.A. 9-3-25 ), which is four years. Despite this, they are still being reported as outstanding.

Failure to Update Information : Several debts and negative items remain on my report well beyond the legally allowable reporting period. 
I have contacted Experian to dispute these inaccuracies, but they have failed to correct the errors within a reasonable timeframe. This unresolved situation is causing unnecessary harm to my credit score and financial standing. 

I kindly request that the CFPB intervene and ensure that Experian corrects the inaccuracies, removes all time-barred debts, and updates my credit report accordingly. I would also appreciate guidance on further steps to ensure my rights under the FCRA are upheld. 

Please feel free to contact me if additional information or documentation is required to investigate this matter further. I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Debt collection

First off the biggest issue here is that the original creditor XXXX XXXX XXXX never made the appropriate efforts to contact me to advise of the current debt which was partially paid. They have had all my current info and they had the incorrect address since I had moved and moved services to my current address. XXXX XXXX XXXX knew about this and I didn't receive a call or mail advising of this debt before it was sold out to this 3rd party debt collector. It was reported to the credit bureaus. Negatively affecting my credit score. I didn't have a chance to take care of this matter. Also the 3rd part deb collector made no efforts to reach out as well and I had to find after I checked my credit report. I been trying to come to an agreement with them but they are not being cooperative.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach, where my personal informationalong with millions of otherswas compromised. These accounts need to be removed immediately as they are defaming my character and damaging my creditworthiness. Ive repeatedly disputed these accounts, but Equifax continues to focus on requesting my personal information, despite their track record of mishandling sensitive data. As part of the millions of Americans wronged by their negligence, I refuse to be victimized again.

These accounts are a violation of my rights under the Fair Credit Reporting Act, 15 USC 1681 602 ( right to privacy ), 604 ( a ) ( 2 ) ( requiring my written consent to report account info ), and 15 USC 1666b ( payments on open-end credit accounts can not be marked late ). I demand immediate removal of these items from my report. The stress and health issues Ive endured while fighting these errors have been exacerbated by Equifaxs failure to ensure proper security. I, as a consumer, have a right to accurate reporting and expect immediate resolution.
Product: Checking or savings account

On Monday, XX/XX/2019 at XXXX, I made a {$640.00} cash deposit in the Key Bank ATM machine at the local XXXX branch and the machine malfunctioned. My card was not returned nor was the {$640.00} cash I tried to deposit. All I received was a receipt stating " Cash Rollback Receipt : WE ARE UNABLE TO PROCESS SOME OF THESE ITEMS. THESE MAY NOT HAVE BEEN ABLE TO BE RETURNED '' and to contact the branch for assistance. I was not able to go inside the KeyBank branch as it was a holiday and they were closed so I went into the branch Tuesday, XX/XX/2019 to talk to a branch manager. I was told by the manager to give it 2-6 days for them to investigate and we should receive the money back into my account. And to be patient because we were not the only customers the ATM has done this to and that it has occurred multiple times. After the sixth day, I reached out the manager again, I am told that the matter will be escalated and it actually will take 6-10 business days. I still have not receive my {$640.00} and I am not told that it is out of the managers control and that corporate is handling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent inquiry for XXXX is on my report. I have no knowledge of ever applying for a line a credit from said creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a direct dispute via certified mail to the credit reporting agencies, TRANSUNION XXXX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian well over 30 days ago about the inaccurate information being reported by them and have not heard back from them what so ever. It seems I have been ignored completely.
Product: Debt collection

They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inability to Cancel XXXX XXXX XXXX and Unfair Collection Practices Dear CFPB Complaint Department , I am writing to file a formal complaint against XXXX XXXX for their refusal to allow me to cancel my membership in any manner other than in-person at the specific location where I initially signed up. This unreasonable cancellation policy has led to an accumulation of fees, which have now been sent to a collections agency, negatively impacting my financial standing. 

Details of the Complaint : 1. Membership Cancellation Issue I previously held a membership with XXXX XXXX. Due to a sudden relocation, I was unable to cancel my membership in person. Upon attempting to cancel by phone, I was informed that I could only cancel at the original location where I enrolled, which was not feasible due to my relocation. I believe this restriction is unreasonable and contrary to fair business practices, as it prevents members from canceling without being physically present. 
2. Closed Payment Account Since I was unable to cancel my membership, I ultimately decided to close the payment method associated with the membership. However, despite not using the facility, charges continued to accrue on the account. 
3. Debt Collection A few months later, I began receiving calls from a collections agency demanding payment for approximately {$600.00} in accumulated fees and interest. Despite explaining my circumstances, the agency was unwilling to consider my explanation and insisted on payment. 
4. Unfair and Deceptive Business Practices I am aware of recent regulatory considerations, such as the FTCs click-to-cancel rule, which aims to prevent this type of restrictive practice by allowing customers to cancel memberships online if they registered online. Although this rule is not yet in effect, I feel my rights have been disregarded under existing consumer protection standards. 

Request for Assistance I respectfully request that the CFPB review this complaint and intervene to prevent XXXX XXXX from continuing to enforce these restrictive cancellation practices. I also ask for relief from the debt associated with this membership, as I have not utilized their services since the closure of my payment account. 

Thank you for your attention to this matter. Please let me know if any additional information is required to support my complaint. 

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

Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to PNC Bank. PNC Bank is still reporting this account that was a result of identity theft to XXXX. In addition, I received a letter from PNC Bank which I forwarded to XXXX which indicates that PNC was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act would like to state that TRANSUNION Is in violation of my rights and 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft TRANSUNION is also in violation of my rights to privacy in accordance with 15 U.S.C. 1681 Section 602 ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to PRIVACY. 

IN ACCORDANCE WITH THE FCRA. THE FOLLOWING ACCOUNTS FURNISHED ON MY CREDIT REPORT ARE IN VIOLATION OF MY RIGHTS : XXXX ACCOUNT XXXX : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/2021 XXXX XXXX ACCOUNT # : XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX  ACCOUNT XXXX : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX  # : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MULTIPLE DISPUTES IN REGARD TO THIS FRAUDULENT ACCOUNT. LASR YEAR IN 2021 THIS ACCOUNT WAS NOT ON MY CREDIT. I CONTACTED THE CREDIT BUREAUS TO RESOLVE AND THEY MENTIONED THAT THEY RECEIVED MY DISPUTES ON XX/XX/XXXX BUT WOULD NO LONGER LOOK INTO MY CONCERNS. THAT WAS TODAY XX/XX/XXXX AT XXXX EST. THIS ACCOUNT DOES NOT BELONG TO ME AND ITS A SECURED CREDIT CARD AND I HAVE NEVER HAD A SECURED CARD WITH ANYBODY AND I HAVE NEVER SIGNED ANYTHING AGREEING TO THAT AT ALL. THIS ITEM NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE ALSO SUBMITTED AN FTC REPORT AS WELL.
Product: Debt collection

Hi to whom it may concern, I recently disputed the validity of an account that was being incorrectly reported on my credit profile. It was no surprise that XXXX deleted the account due to their inability to properly verify it, but Southwest Credit System on behalf of XXXX has still responded to my dispute stating that this account has been verified. This is confusing to me. 

If all 3 major bureaus are suppose to report the same information and XXXX was unable to substantiate the validity of the details on my credit report, then Southwest Credit System should provide a letter stating that they will remove/delete the tradeline account from my credit profiles for XXXX and XXXX. Isn't this what the bureaus got in trouble for in the cases for Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXXXXXX 

See the attached documents that shows that XXXX has DELETED Southwest Credit System account from my credit report. 

Please help me get Southwest Credit System to provide an official letter stating that they will remove/delete this account from my XXXX and XXXX credit profiles. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : Southwest Credit System Account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


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

I was applying for a refi. XX/XX/XXXX I was told my credit score went from XXXX to XXXX because of a negative report by a collections company report for {$1600.00} due to XXXX. XXXX I called XXXX, gave my account number, told them I returned their modem XX/XX/XXXX, the day before moving to XXXX from XXXX, I could not find the XXXX receipt. She submitted a dispute ticket. No updates XXXX and XXXX. XX/XX/XXXX I called Sequium Collections, told them the XXXX info, they offered to settle for {$900.00}. Their info is all incorrect : name, DOB, address, account number. Only SS last 4 digits were right. XX/XX/XXXX I called XXXX, gave MY account number, who said my account had a " credit balance '' of {$74.00}, and it was NOT sent to collections. I never received invoices for the {$74.00} if its was owed. Just to be careful, I paid {$74.00} with a credit card, got a confirmation number, and we agreed that if it was not owed, they would pay me back. She said customer service dept will handle this by XX/XX/XXXX, and they will fix the problem with the collection company, gave me a reference number. I requested and received an email from them stating that MY account balance was XXXX. I sent info to XXXX, who immediately removed it from my info. XXXX and XXXX are still " investigating. ''
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report, violating 15 USC 1681b ( c ) ( 2 ). Theyre harming my credit, and I request their removal. Thank you.
Product: Consumer Loan

I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.