23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Signed up for paperless billing. Offered a 10 % off coupon for the anniversary date of XX/XX/18. Never received the coupon. Contacted XXXX   about the problem. Informed that I also needed to sign up for email alerts. Signed up for the alerts. Never received the coupon. XXXX failed to email a bill for the month of XXXX and failed to send the coupon. Now XXXX sent me a statement with a late fee and interest charge for not paying a bill that they never sent. Got the late fee and interest waived and paid off the current bill. Still no coupon and no help rectifying the problem.
Product: Debt collection

I utilized the chat feature on credit corp solutions website and spoke with someone by the name of XXXX. I asked what my payment options and settlement options were. He stated I could settle the debt for XXXX, I stated I couldnt do a lump sum that I needed to know what my payment options were. He then offered another lump sum and payment option with it. I informed him again that I could not do lump sums and asked again for payment options. He then proceeded to tell me they do not employ attorneys but if my account stays outstanding it could be sent to a lawyer firm at any moment for an attorney to take legal action so I needed to provide a lump sum today and then tell him what payment I could make every month or it would move forward to the attorneys.
Product: Credit reporting or other personal consumer reports

My mortgage is with Freedom Mortgage company. I contacted the company because I could not make a payment in XX/XX/2023. I was approved for a 6-month payment plan on XX/XX/2023. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please help!
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company TSI/XXXX changed the open dates on XXXX debts XXXX of them where medical and paid through medical assistance to XXXX hospital the open dates where changed to XX/XX/XXXX which is impossible for me to have gone to XXXX since it was bought out in XX/XX/XXXX the other is issue is XXXX which was openedopened a little over 7 years ago but the date was changed to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a credit card as closed. It is not closed nor was it closed by me. I have submitted statements and screenshots from inside the credit card companies own website a mobile app. Account shows a credit balance of {$1.00}. Equifax refuses to change this account even after the credit card companies documents clearly show it is in fact not closed. This is not the first time I have disputed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against XXXX XXXX XXXX XXXX. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. This account is trying to collect a medical debt, which is also listed on my credit report in XXXX and TransUnion. I have requested several times for verification. This company will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements. Additionally, XXXX and TransUnion are violating sections XXXX & XXXX for willful noncompliance & negligence. This is already creating additional emotional & physical distress in me. I need this account blocked/removed from my credit file. The account is as follows XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item are being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, Equifax, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. Also, on XX/XX/XXXX, XXXX of XXXX XXXX XXXX reported ( XXXX ) accounts originally from with XXXX  XXXX, last reported properly on XX/XX/XXXX, yet, the Credit Reporting Bureaus listed above have not properly reported CURRENT information with a higher credit score. 

It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine.
Product: Debt collection

This comapny calls me every day sometimes twice per day I have no idea who they are or why they are calling me they do not leave a voicemail when I miss thier call
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a statement in mail indicating Debt Recovery Solutions , LLC is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is XXXX XXXX. The current creditor is XXXX XXXX XXXX Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned Debt Recovery Solutions LLC on XX/XX/2023 I spoke to XXXX XXXX at XXXX XXXX  for XXXX minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They 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  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.
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 XXXX XXXX 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 accounts be verified or removed immediately.
Product: Debt collection

Pulled credit report and found I owed a debt for XXXX XXXX XXXX XXXX XXXX that was being serviced by a debt collector, Commonwealth Financial XXXX. I called to request a debt validation. They refused to send me the validation because they stated it was already sent once. They could not provide contact information for original debt due to HIPPA. I should be allowed validation on a debt that is listed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$53000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Higher right is performing an employee background check. Hireright has responded to me saying that they were unable to verify my income and to submit them proof of times of my employment by providing documents. 

A list of what was acceptable was provided to me. 
Some of those things were year-to-date pay stub as well as IRS tax transcripts so I went ahead and called the IRS and they sent my transcripts to me. I had forwarded those to hire right as well as my XXXX pay stubs w-2s. 
They responded back saying that what I had sent them was not acceptable forms. 
I have tried to call their office but no one answers and I am not getting any response via email the background check is supposed to be due back by the XXXX but I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
thank you.
Product: Student loan

In the process of bringing my student loans out of default and into repayment- After rehabilitating my loans- It was transferred to XXXX XXXX XXXX ( in PA ). I received a letter DATED XX/XX/XXXX that stated " for the next 3 months, your payment will remain the same as it was during your rehabilitation '' when I attempted to pay my XX/XX/XXXX payment ( 3rd month ), it increased by 700 %. 
The ambiguous letter should be a violation of the Fair Lending Act ( ECOA ), and should CLEARLY state when the the " period '' starts and ends. 

I called customer service on XX/XX/XXXX spent 1 hour and 47 minutes on the phone with XXXX, XXXX and XXXX with over 20-25 minutes on hold, if not more. 
I was told that the letter was a generic letter and that my payment schedule with XXXX XXXX XXXX BEGAN in XX/XX/XXXX, not XX/XX/XXXX and there was nothing they could do about the payment. ECOA I submitted an income based repayment plan and received an email that they would get back to me in a month. I submitted a request to change the date of my payment, that takes 10 days to review ( was not given an option to choose a date to begin with ). 
It is hard for me to believe that a Income Driven Repayment schedule should take this long. ( XXXX  processed my significant others in days ). 

The last issue I have with XXXX XXXX XXXX is the manner of payment. They require you to give your routing number and ACCOUNT number and will not let you pay by debit card or other payment type. As someone who works in the financial industry, I advise all customers NOT to give ANYONE your checking account number. 
This needs to be addressed! 

In summary XXXX XXXX XXXX should be investigated in their policies and practices.
Product: Credit reporting or other personal consumer reports

What Happened : On [ XXXX ], I noticed that XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit report. The issue involves XXXX closed accounts that are showing late payments and a balance totaling {$22000.00}. This is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. Sec. 1681. 

Actions Taken : - My Actions : - On XXXX, I sent written disputes to XXXX, XXXX, and TransUnion regarding the inaccurate late payment and balance information being reported. 
- On XXXX, XXXX, XXXX, XXXX, and XXXX, I called each credit agency to follow up on the disputes. 

- Credit Agencies ' Actions : - Despite my efforts, the disputes have not been verified, nor have the inaccurate information been deleted or corrected to reflect updated information. 

Outcome : I assert that each agency named above failed to conduct a reasonable investigation after receiving written disputes about the inaccuracies, as required under the FCRA, and failed to report accurate information, breaching the FCRA laws ( 15 U.S.C. Sec. 1681s-2 ( b ) ). I am seeking the removal of the inaccurate information from my credit report and an update to my credit status.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Payment Due to Violations of Consumer Rights Dear XXXX, XXXX XXXX and Equifax, I am writing to formally demand payment in the amount of {$1000.00} for each violation of my consumer rights, as specified under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 6892.

I have identified the following violations in regard to my credit report : 1. Permissible Purpose : You have reported information on my credit report without a permissible purpose, as required by the FCRA.

2. Failure to Provide Verification : You have failed to provide any method of verification upon my request, which infringes upon my rights under the FCRA.

3. Notification Requirements : You did not notify me at least five ( 5 ) days prior to reporting any information on my credit report, which is a clear violation of the FCRA.

Each of these violations constitutes a breach of my consumer rights, for which I am entitled to compensation of {$1000.00} per violation. Given that there are three distinct violations listed above, I am seeking a total payment of {$3000.00}.

Please remit payment to my address listed above within fifteen ( 15 ) days of receipt of this letter. If I do not receive a satisfactory response within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to enforce my rights. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response. 

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

I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a XXXX accident on XX/XX/2022. He underwent XXXX surgeries and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off. 

The account has not showed closed on my credit bureaus until I disputed it three or four times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off. 

I noticed this morning that the account was reopened on my XXXX account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus. 

This account was charged off and the collateral has been sold to a third party by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following items I have been disputing has not been removed from by credit report on Equifax as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
Product: Credit card

I WAS ON HOLD FOR 5 MIN, WHILE I WAITED FOR A FOREIGNER WHO DID NOT UNDERSTRAND ENGLISH.

I TRIED 4 DIFFERENT WAYS TO EXPLAIN IN ENGLISH, I'M A 67 Y/O RETIRED MD ..

I CAN TELL WHEN A BANK HIRES INCOMPETANT EMPLOYEES,,  AFTER 4 TRIES TO REPORT A BIILING DISPUTE,, HE ASKS. "WHAT IS THE COMPLAINT #?"

THIS IS A WASTE OF TIME AND LAWS NERED TO BE PASSED TO MAKE IULLEGAL FOREIGN CALL CENTERS,..

I DISPUTE 03/14/2025
Legalshield *membrshi ada/ok - recurring billing
$39.95

THE LAW FIRM ASSIGNED DOESNT WANT MY CASE AND AFTER A WEEK THEY HAVE NOTHING

THIS IS A LEGAL SCAM, SET UP TO PROFIR FROM PEOPLE THAT NEED LAWYERS, BUT LAWYERS ONLY EWANT EASY BIG $$$ CASES,...  THIS IS FRAUD,,, LEGAL SHIELD ADVERTISES LAWYERS HELP YOU..