23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. XXXX XXXX Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by Zwicker debt buyer attorneys. I have never received any information regarding anything from this Zwicker at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.
Product: Credit reporting or other personal consumer reports

This is complaint is serious and is not sent in error. The inaccurate information in my credit report has caused me frustration and inconvenience as it has impacted my ability to secure credit approvals.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect debts from me.I never established a contract with this company. A debt collection company has no legal right to collect a debt from me because they purchased a debt. They are also in complete violation of the FCRA law.
Product: Debt collection

SYNERPRISE CONSULTING is trying to collect {$9000.00} for a Medical Debt. I was not informed of back in XX/XX/XXXX for a medical debt for XXXX XXXX back in XXXX. They have included this collection in my credit report for 5 five years and have not given me an itemized list of the charges. 

I contacted the company several years ago to get information on this collection after finding out about this collection while setting up a saving account in XXXX, as seen is the attachments below. The agency did not give me any information other than the amount and where the collection come from. I did not get the right to dispute the charge or what are the charges. 

I was still not given any written information nor any type of bill about the charges after calling the agency. When I called in to the company, they asked if I would just like to pay it in full and I stated that I want written information about this debt.
Product: Checking or savings account

On 3 occasions in the past week, I've received unsolicited mail from a company called NetSpend with a debit card included in the envelope. Each envelope was addressed to a person who does not nor has not lived at my residence. Attempts to contact the company to be removed from their list were unsuccessful, as there was no way to reach an individual at the company.
Product: Credit card or prepaid card

On XX/XX/2020, Capital One closed my account because of a " processing error '' from their end. I had to update my income and did so but I assume my income did not meet certain requirements. As a result, my credit score was decreased. I want to emphasize, I was sent a pre-approved application with a 0 % interest balance transfer and accepted it. I had enough money to pay my CC but I wanted to save it in case of emergencies. No one on in the CS department could tell me anything and was told I needed to wait " weeks '' for a letter explaining everything. 

Moreover, my cash reward balance is now {$1.00}, when it was around {$210.00} beforehand. Capital One has literally stolen my reward balance that I worked to achieve by making purchases and paying them back in a timely manner ( never late ). I have never been late on a payment and have actually spread out the payments so the balance is {$0.00} at the end of the 0 % interest. 

To make matters a little more frustrating, Capital One just approved a refinance of my car loan at the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

The original creditor is XXXX XXXX and the collection agency is EOS CCA. When I was first made aware of this account by checking my credit report I contacted them and advised this was not my debt and requested immediate removal since I was in the process of trying to qualify for a mortgage. I was informed that the only way the debt would be removed is if I pay the entire balance even if the account was not mine and they would then delete it from my credit report within 7-10 business days. It has now been months and I contacted the company to inquire about the deletion and the new representative told me that their company does not delete negative information from consumer 's credit reports. I proceeded to explain the debit was never mine to begin with and that the only reason why I paid it was because I was told it would have been deleted immediately upon payment. Following my conversation, I have attempted to dispute with the credit bureau 's but they continue to say the account was verified, but have refused to send me the proof of what documents were provided to verify the account as I have asked Under the Fair Credit Reporting Act, 15 U.S.C. 1681g. That request was ignored by the collection agency and the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from phone number XXXX. She stated that I had a debt with US Bank that was from XX/XX/2010 and that they were gon na start to garnish my wages. This is fraud. I have never had an account with US Bank. They have all my information. I would like to know what are my next steps
Product: Credit card or prepaid card

I have had now XXXX cards total with this company XXXX purchased from same store. Everytime they cancel out card and say something happened to it and have to order another then I have to transfer money from old to new card but since they cancelled card I can't use account to do a transfer I have to call them and they charge around {$5.00} they can never fix over line they have you on hold and everytime you have to get another card I received XXXX cards in XXXX day and they were both already cancelled and I never even registered them! now I have to wait to receive my check again till I get another card can't even pay bills
Product: Debt collection

I recieve XXXX phone calls per day from the American Adjustment Bureau XXXX XXXX. In addition to the derogatory accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.
Product: Debt collection

On XX/XX/2023, I sent a debt verification letter to Receivable Management Services LLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that there is an inaccurate information thats negatively affecting my credit and causing me stress and damages because Im not able to use my VA benefits to purchase a home because of the inaccuracies on my credit report. There is a charge of reporting to my credit report and the IRS considers charge offs to be considered income and income isnt suppose to be reported on a credit report. Therefore my credit report is not showing 100 % accuracy and is damaging my reputation as consumer and XXXX is not doing their job and is violating my reporting rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to Flurish Inc dba XXXX disputing a negative account I found on my credit report. This letter was signed for on XX/XX/2018. I never received any correspondence from Flurish Inc regarding my dispute and my report was not marked disputed within the 30 day time line. On XX/XX/2018 I sent a second letter to Flurish Inc disputing the negative item on my credit report. I never received any correspondence from Flurish Inc but they did mark my reports as disputed-resolved consumer disagrees. On XX/XX/2018 I sent out a third and final letter to Flurish Inc asking for proof that this account on my report was actually mine. I still have not received any information from this company. Under the current law Flurish Inc should have marked my reports disputed within 30 days of my complaint and they did not. Nor have they attempted to prove this debt is mine.
Product: Debt collection

I received a call from XXXX with Phoenix Financial Services in regards to a debt of {$1000.00}. Information was given all at once and a payment was immediately demanded. I informed XXXX that I did not understand all of the information and began to ask questions- such as who reported the debt, how much is owed, by when, and the company name. With each question XXXX would raise his voice and shout the answers over me as I was talking. I informed him that I was a college student, and that I would speak with my Husband regarding the bill and asked to call him back. On this phone call I was presented with the amount of XXXX. 

When I called back in, I advised XXXX that I would have {$400.00} from family, but that I did not know when I would have the rest. He advised for the second time " your doctor will only settle for XXXX % off the original bill ''. Since this was the second time I heard this statement I asked for my doctors name. The question went ignored. I then asked again, and I was advised " the company will not settle. '' At that point I believed that my doctor was over my debt, not the company. I then was informed that Phoenix Financial Services had bought my debt. In the attempt to settle my debt with all companies, I asked that my bill be sent to me in writing. XXXX offered an email, and I declined. I expressed my fear that in the future my agreement may be revoked, and that an email would not be accepted- as emails can be altered. He denied saying he could not mail it to me. At that point, I again requested it in the mail. He said no, and that he was taking my discount off the table. Because I was threatened to pay more, because I requested a bill- I knew it was time to talk to someone higher up. I then requested a supervisor, because XXXX had begun yelling that a bill was already sent. I explained that although a bill had been sent, I had yet to receive it- and that I wanted an updated copy so that I could send in the agreed upon amount. At this point I was threatened because I requested a bill, then I was yelled at. If this is not abusive language- I do n't know what is. 

I spoke with his supervisor, XXXX who had no issue mailing out my bill. I advised her of my concerns- but no action was taken agains XXXX treatment of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Vehicle loan or lease

I have lease a XXXX XXXX XXXX through GM Financial on XX/XX/XXXX. I have returned the leased vehicle at the XXXX XXXX dealer at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. phone : ( XXXX ) XXXX, on XX/XX/XXXX. Despite returning the vehicle, GM Financial continued to automatically withdraw monthly payments from my bank account. The two monthly withdrawals from my bank account of {$130.00} were made on XX/XX/XXXX and XX/XX/XXXX. I have repeatedly called GM Financial services on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to try to have to improperly withdrawn funds returned to me. GM Financial indicated that I have to wait at least 90 days to receive my refund. I believe the refund should be made in a reasonable time frame as the improper withdrawals were made by mistake on the part of GM Financial.
Product: Prepaid card

I bought a {$140.00} visa vanilla gift card at the beginning of XX/XX/year> and it did not work so I called the company and they said they would send me a new card and it would be to me in XXXX business days and over XXXX days passed and it did not come so I called them again and this time they said they would send it priority and it would be to me in XXXX days XXXX  days passed and no card in the meantime I have missed out on XXXX major sales of the year XXXX XXXX  and XXXX XXXX  and I called again this time they said call back in XXXX hours I did and this time they tried to claim XXXX couldn't find my address which is a lie they are here regularly so they wanted a utility bill with my address so I emailed that to them and the next email wanted to know why my last name on my email and card were different well my email is not legal and is made up and therfore can be whatever I want it to be but I use my legal name for legal things and it did not require my name OR address to buy this card with my cash and I have gotten nothing but the run around and run around and at this point they are STEALING from me also I told them that I was XXXX and will be filing for XXXX discrimination as well I want my money and I don't care what they need to do in order for this to happen
Product: Student loan

Hello, At the end of XX/XX/year>, I received notice that my student loan servicer would be switching from XXXX to EdFinancial. Even though I had enrolled in the SAVE program and set up autopayments, my account with XXXX was once again ( the fourth time ) put in administrative forbearance without much communication as to why and very little I could do with it. In XX/XX/year>, I attempted to log into the XXXX account but I could not get any information as to what was going on or when/if a payment was due. 

On XX/XX/XXXX I received notice that my loan was now officially with EdFinancial. Shortly thereafter I created my online account to review any information that was available. My autopay account information had transferred to Edfinanacial and was already active. The website stated that my payment would be processed on the XXXX of every month. 

Its now XX/XX/XXXX and it does not appear that payment has been processed. In fact now it says that there is {$710.00} past due. None of this really makes sense. 

Please reverse whatever fees and interest have accrued due to the transition from XXXX to EdFinancial. This was not something I asked for, had no way to pay anything and have extremely limited access to information on my own account. Its not really a way to treat people who are just trying to set up auto pay and pay back their loan on time. We are tired of being jerked around with transitions from servicer to servicer, random administrative forbearance and random past due fees with interest. Please reverse this and just let me pay my student loans with autopay in peace. I've got XXXX children under XXXX XXXX XXXX to look after and feed. 

And lastly - XXXX XXXX XXXX XXXX Get it all together and put it in a backpack ; XXXX XXXX XXXX so its together. If you got ta take it somewhere, take it somewhere, you know, take it to the XXXX store and sell it, or put it in the XXXX museum. I don't care what you do, you just got ta get it together. GXXXX XXXX XXXX XXXX
Product: Checking or savings account

This morning I logged into my account to make a payment and was shocked to see my balance was negative {$110.00}. 
I had a positive balance on XX/XX/XXXX and have not made any purchases. 
I just called the bank, and they adamantly refuse to explain why my balance is suddenly negative. They also refused to let me talk to a supervisor. 
My problems with this bank are many. 
XXXX. I have not received any letter, email or phone call about my negative balance. 
XXXX. The branch where I opened this account has told me repeatedly that " we do not give business loans '', even though they advertise them everywhere. They do this so I am forced to use my overdraft and pay the bank 's usuary fees. 
XXXX. " Customer service '' agents refuse to let me talk to a supervisor. 
XXXX. The bank refuses to explain how my positive balance became negative suddenly without me spending a XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXXXXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX