23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Prior to XX/XX/2023 I contacted Zip to inform them that I was not given a {$10.00} promotional credit against the loan they gave me that would have reduced the amount of the loan. They also incorrectly charged me {$3.00} that was not stated at the time of check out through XXXX Because my " payment method '' was through Zip, XXXX would not be able to do anything to correct the matter. I was asked to provide proof of the discount being available. I submitted a screenshot with the promotion that explained that there would be {$10.00}. I reached out to Zip repeatedly and they brushed off my concern and have now resorted to outright ignoring me. 

On XX/XX/2023 I used their customer support email rather than their virtual chat so that I may retain a record. The following is a summary of events from that date until now. 

XX/XX/XXXX : Zip replied to my email notifying them that the loan amount was incorrect and the discount was missing. They told me that I had signed up for an account in XXXX of this year. I informed them I did not willingly sign up for any such account. 

XX/XX/XXXX : I received another email reiterating that they believed I did create an account in XX/XX/2023. I explained to them no, I did not nor did I authorize anyone to create such an account. I expressed my concern that if clicking a website link automatically generated a line of credit that is not only concerning, but not okay. 

XX/XX/XXXX : They repeat the same thing about the account being created in XXXX, but don't address my concern about the {$10.00} credit or how the account was created in the first place. I respond repeating myself. 

XX/XX/XXXX : I receive a reply saying that the matter has been referred to another internal team and to await a response. 

XX/XX/XXXX : I receive a reply from a different agent asking me to provide proof of the discount in question. I provide a screenshot to them and explain what is wrong with the loan and how it should be reduced by {$10.00} given the fact I was within the terms of the advertisement. 

XX/XX/XXXX later in the day : I receive the same repeated response as prior to XX/XX/XXXX and I respond to them to read the notes of the prior emails to indicate that it is incorrect. 

XX/XX/XXXX even later in the day : They repeat the same line again about the account being created in XXXX without answering my question on how the account was created. I repeat again to please read the prior emails of me explaining that I did not to my knowledge create any such account nor does the offer advertisement that I provided say that just creating an account without transacting. I ask them to please assist me as this has become a tedious back and forth. 

XX/XX/XXXX : The same response. I respond with asking my issue to be escalated. I do not receive a reply. 

XX/XX/XXXX : I follow up on the matter and do not receive a response. 

XX/XX/XXXX : I still have not received a response and see they have closed my support ticket in instant chat. I retained records of all emails between myself and Zip Co. I inform them that if I do not receive a response I will contact the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letter to each of the Credit Reporting Agencies on XX/XX/2022, with complete attachments of my personal information and the XXXX REPORT I received from the FTC. I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Reporting agencies are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans union customer service to remove credit inquiries that were removed and then reinstated. Customer service was unwilling to help and stated this was not the case in my situation. I asked to speak to a supervisor and was told none were available.
I also mentioned that trans union had an account on my record listed as derogatory condition while the other two companies had it listed as paid and closed. This resulted in TU score to be 70 points lower than the other two companies.
Product: Payday loan, title loan, personal loan, or advance loan

The main issue is they are calling my family and friends and disclosing what I owe and how much I am behind on. They are giving information that supposed to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to tell you that I am a victim of Identity theft. The items I question have no connection with me or the transition I've made. 

Please block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.
Product: Debt collection

This is a medical debt that was not mine and the company will not remove this debt according to HPPA laws, rules, and regulations.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX charters XXXX I C systems  # XXXX - How did you ensure maximum accuracy? 
- How did XXXX verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Product: Debt collection

I sent this company a letter dated XX/XX/XXXX. Pursuant to the FCRA and FDCPA, I requested this company to provide me Validation Documents and listed everything that is required for this alleged debt/item to be validated ( See attached files - a copy of the letter I sent them ) It is now XX/XX/XXXX and I DID NOT RECEIVE the documents I requested. Attached to this complaint is a copy of the letter sent to me by DCI requesting me to provide information about this unknown debt. If I am not mistaken, by law, they are the who are supposed to be providing me with proof that this item is VALID. This company definitely violated FDCPA. To make things worse, this item was already removed from my XXXX report and still is reporting on my XXXX and XXXX credit report.
Product: Credit reporting or other personal consumer reports

I have some inquiries on my transunion credit report. 




XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

-VISA gift card was purchased in XX/XX/XXXX for {$150.00} in the store for the card plus {$5.00} activation fee. 
- Card did not work when attempted to use. 
- Called company XX/XX/XXXX and was told they put the card inactive in XX/XX/XXXX due to someone fraudulent activity. They said the card had attempted to be used in XX/XX/XXXX. 
-Company said they would send out another one and I would receive in 7 days. 
- I did not receive card in 7 days so called again and they said it would be XXXX days and would be here by XX/XX/XXXX. 
- I did not receive the card by XX/XX/XXXX so called today, XX/XX/XXXX and was told they would have to make that card inactive. 
- They said they would send out a new card but that they were deducuting {$5.00} for the new card and it would come off of my {$150.00} balance. 

This is wrong in so many ways. I spoke to XXXX XXXX a supervisor ) who would not adjust that fee. To charge a customer another {$5.00} fee when we have not been able to use the card in the first place is not right! I feel like this company is fraudulent. If I had trusted that a new card was being sent out and didn't keep my old card for reference they told me they wouldn't be able to help me. Are they doing this on purpose. Are they making cards inactive for the customer to call in and then hope they threw the inactive card away where now they have no way of tracking what is happening with the new card sent out? Something is not right with this. To charge me another {$5.00} and for us to now have to wait another XXXX days to get the card is not ok. I feel like I will be making another call as this card ( which is now less than {$150.00} to cover the new {$5.00} ) probably won't show up either. This needs to be investigated!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened XXXX XXXX XXXX in numerous states without my permission. I don't even know how to open or get a XXXX XXXX XXXX I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call XXXX. Since my original report I have heard complete radio silence from anyone and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting me as 60 days past due on the XXXX  partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Checking or savings account

I called in to the claims department on XXXX XXXX explaining that I need to cancel a purchase with XXXX that was made on XX/XX/XXXX, for an event on XX/XX/XXXX,. XXXX the corporate is on vacation stated the companys voicemail, the promoter told me I have to handle my refund with XXXX because the funds is not deposited into the Organizers account until 5-7 business days after the event. I was confirmed by the rep. that chase will handle it, I was credit the XXXX that I used to make the purchase. 
On XX/XX/XXXX I received a chargeback with about XXXX additional fees and return payment from chase bank. The are not getting my funds back from the merchant. I was assumed that my money will be protected and its not. I am being bully by a corporate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fairly new credit history and opened my first XXXX XXXX XXXX XXXX XXXX a few months ago, shortly after I opened an XXXX XXXX XXXX XXXX as well. I havnt ever missed a payment or was late to any payment at all. I always paid my cards in full a couple days before due. My credit score on XX/XX/23 was XXXX and the following day on XX/XX/23 I was notified that I had opened a new XXXXXXXX XXXX XXXX XXXX and my score dropped XXXX points, from XXXX down to XXXX randomly. I DID NOT open or attempt to open any credit cards on XX/XX/23 or anywhere around then. Not sure how my score could drop so drastically without any reason. My scores dropped on all credit platforms and I need this resolved as soon as possible. Thanks
Product: Credit reporting or other personal consumer reports

I had just purchased a vehicle and I was pressured into the purchase from the beginning. It was the first time I had been to a dealership, alone to purchase a vehicle and I ended up with a terrible loan. I was unaware and ultimately attempted to return the vehicle but it was too late. Anyhow, I made payments and, even when I was unable to make payments in full. I made multiple small payments. I was never informed that my vehicle would be repossessed. In fact, my payment history is inaccurate on all three reports. I wa forced to file XXXX XXXX as a result. My vehicle was repossessed literally days after XXXX XXXX processed an {$800.00} payment, yet they held it and pretended as though it didnt exist. By this time I thought the car was stolen, called XXXX then realized what had happened and I couldnt get the vehicle or my belongings back because of the cost. I contacted XXXX XXXX and said I had not been as far behind, that my payments were inaccurate and that they were holding an {$800.00} payment, not applying it to my account even though it had cleared. Ultimately, I was sent the money back over a month later. They refused to work with me. I have provided proof of this payment via refund, which never reflected on my payment history. I insisted it be applied to my balanced owed, but then they would be admitting to have wrongfully towing my vehicle without notice and while taking payments and not reporting accurately to the credit reporting agencies. All three bureaus have different information, and I have requested it be accurate many times. It is reflecting as though I was much further behind than I was and if they wanted me to make good on the loan, would they not take any amount of money they had already processed? Instead, they wrote it off with insurance and it was sold off at auction. I had incredibly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was a manager at XXXX and had over {$1500.00} in XXXX XXXX alone. The repo company said there was nothing in the car. Not even my clothes or personal belongings.
Product: Credit reporting or other personal consumer reports

TRUIST BANK is inaccurately reporting payment history and fails to provide closed account data. I have requested them to provide me with the payment history and closed date and they do not provide me with the details. They are reporting CO on mulitliple months and that is unfair credit reporting. I have asked XXXX to update or remove. They do not and they do not provide me with correct information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : 1. XXXX XXXX XXXX XXXX Charge Off Account 2. XXXX XXXX XXXX Charge Off Account 3. XXXX XXXX XXXX Collection Account 4. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

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

I requested a copy of my current free credit report from Sage Stream, LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX in a letter to them dated and mailed on XX/XX/2019. No response to my request as of today, XX/XX/2019.
Product: Credit reporting or other personal consumer reports

The following companies reported inquiries without my knowledge or authorization on my Equifax credit report. Someone has used my information try and obtain a vehicle. I am not aware of these inquires or the account connected to these inquires. This is not my doing and I have not authorized these companies to access my credit report. This has yet to be verified and validated. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Date of Inquiry Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX