23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is at XXXX violations for me XXXX hipaa violation providing me with a description of what was done to me which results in hipaa violation incorrect name on bill they submited to me not correctly spelled and not labeled as medical collection account which is supposed to be on there not XXXX XXXX XXXXl which is not considered properly marked XXXX violations in total
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

Spoofed phone numbers claim to be Portfolio Recovery calls me claiming I owed debts to unspecified companies
Product: Student loan

I borrowed from XXXX towards my XXXX education at a XXXX DC university. While I defaulted on my loan payments in XXXX, I reached a settlement of my debts via a separate debt collection agency in XXXX, which I fulfilled completely by XXXX XXXX, per the settlement agreement. However, the collection agency claimed I still had outstanding debt, and when I asked for them to produce evidence of said debt, they refused. Since then, a handful of rotating debt collection agencies have sequentially attempted to collect this already-settled-and-paid debt. Most recently, I have received phone calls from an agency with no written correspondence to identify the presumed debts.
Product: Credit card

I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.
Product: Checking or savings account

On XX/XX/XXXX I received back pay from my unemployment settlement in the amount of about XXXX. I dont have a checking account or prepaid account that I could have sent my funds to so I sent them to a relative account! Capital one subsequently locked and froze the account and wont realize my funds to me or my cousin! I have went into several branches with two forms of identification and birth certificate and my unemployment judgment and capital one still wont release my money! Its almost going on two months and I cant get a call back or a reply! I dont have any money to obtain a lawyer and I really need help! This bank has basically stole XXXX and wont tell me anything or return my funds!
Product: Bank account or service

On XXXX XXXX of 2016, I was in the process of moving my savings from my Chase Bank account to my fiancee 's bank account. Around that time we were in the midst of moving so we needed the money in order to put a down payment on the apartment and buy necessities. Everything was going fine, until XXXX XXXX of 2016 Chase froze my account causing the XXXX {$1500.00} checks to no longer be valid. This resulted in my fiancee 's account being in negative balance for {$4000.00} ( late charges were applied at her bank ). I did n't receive no call or email in stating why my account was frozen so I went to the XXXX XXXX location in XXXX XXXX. I proceeded to talk to one of the representatives and she told me that a investigation will be done and I will receive my money in 72 hours. I explained to her my situation that they froze our money and we were currently residing in hotels and that was our major source of money. The representative said she really could n't do anything more for me. I went to the branch three days later because my account still did n't have any of my money in it. It was just a bunch of overage charges. I consulted another bank representative and she assured me that I was not at fault and all my overages will be voided. I asked her when will my money be available. She told me it will take 72 hours. At this point, I 'm frustrated and I have been resorting to my credit card in order to survive. I told the representative that currently we are at a bind and we are depending on this money. She then told me they found the hacker and it was a person in Maine hacking into the account and she assured me that I will have my money and that I needed to open up a new account to do so. I opened a new account and waited three days to hear anything back from them about my money. I went into the bank and they changed their story blaming me and telling me I was the reason my account was frozen. Which is ridiculous, I do n't know anyone in Maine and no one has access to my account but me and my fiancee. I 'm very frustrated because now my fiancee 's bank account will be going to collects in 2 days unless we get some money back, This resulted in my using my credit card in order to survive. Chase 's stupid way of handling customers caused me to max out my credit card to XXXX. I do n't want my fiancees credit to be ruined by chase.
Product: Credit reporting or other personal consumer reports

I mailed a letter XX/XX/2023 confirming the incorrect residential address for myself. The credit bureaus have not updated my credit profile in over 30 days. I called in to get a resolution and they refused to remove it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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.

Experian 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
Product: Student loan

To whom it may concern, I was approved for a loan with Sallie Mae ( Now Navient ) for a Private signature loan with a repayment plan including full principal and interest that was disbursed on XX/XX/XXXX The original principal amount for that loan was {$10000.00} at a now 9.000 % interest rate which is utterly ridiculous. It is now XX/XX/XXXX and my balance is only XXXX! Over the past 10 years ive only paid XXXX of that loan due to the interest rate and fees. 

Also may I add that i also have two additional Stafford loans 1-02 stafford Subsidized Loan that was disbursed on XXXX/XXXX/XXXX in the amount of {$2600.00} with a fixed interest rate of 6.8 %. 
as well as a 1-03 stafford subsidized loan that was disbursed on XX/XX/XXXX in the amount of {$570.00} with a fixed interest rate of 6.8 %. 
Both of these stafford loans took 10 years to pay off and were offically paid off with end dates of XX/XX/XXXX and XX/XX/XXXX. 

To add two more layers to this Navient nightmare The person who's name is on my loan as primary has been deceased since XX/XX/XXXX. Also the college that atteded where i received my loan for is XXXX XXXX XXXX ( XXXX ) - XXXX, Maryland in which the entire company closed all of their schools across the United States in XX/XX/XXXX. In which after all schools were closed XXXX XXXX was hit with thousands of lawsuits from students claiming that the college and its parent company are running a high-pressure sales racket cleverly disguised as higher ed. In a nutshell all campuses closed due to low enrollment levels and financial viability. 

With all that being said I feel my Loan should be forgiven and zero 'd out due to the mere fact that i can not afford to continue to pay this loan until my payoff estimate year of XXXX with a XXXX interest rate that ive Navient multiple times about with no resolve. The loan is also in a Deceased persons name. I have sent multiple copies of the death certificate to no avail and have yet to receive any help regarding what can be done with that. Lastly the loan is in a schools name who is no longer in business and I can not use my certificate in the field that i received the certification in because the employers do not recognize that school as accredited.
Product: Debt collection

I have not received any information regarding this debt despite multiple attempts to dispute it, and I have not received any response or information
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.
Product: Debt collection

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practice Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt.Your abusive and deceptive practices are in direct violation of my rights under te FDCPA. I am well aware of the protections provided to as a consumer, and I will not tolerate any further harassment or misconduct.

Furthermore, I excercise my right under 15 USC 1692c ( c ) to request removal of any all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agencies without express written consent. I hereby withdraw any previous consent you may have had and demanded that cease reporting these debt to any credit reporting agencies immediately.

Please consider this as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. 

All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other forms of communication will not be accepted. 

I expect your immediate compliance with this and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company Synchrony Financial/Sams Club . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX prosper credit card= never got card nor info XXXX  to cancel i did not recived anything from them. called them and they said they will report to XXXX that i do not have an acct with them but they still pulled my credit report XX/XX/XXXX destinity never applied for an acct but yet they pulled my credit report. 
try to call them but would not talk to me. 
i am trying to rebuild my credit and someone is applying for other accts i did not give permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NEW INFORMATION, NOT A DUPLICATE COMPLAINT. On XX/XX/2022 I had filed a complaint for 2 reasons. The first was their non response to the ( XXXX XXXX XXXX ) attempts I made to communicate with them via USPS Certified Mail. The 2nd was because I never received any notifications from the company. In the companys response, they allege that XXXX notices were mailed to the address listed in the complaint, yet no information was provided as to what dates they were sent. I have informed delivery through USPS. Aside from being told to rest assure, I am willing to go through each email received for a month time period for each of their alleged attempt. Additionally, they never addressed their reasoning for non response to my previous attempts to contact them. I provided proof that they were sent and delivered via USPS Certifed mail. Does CCS have such proof of their alleged XXXX letters sent to my address? Furthermore, with this being their only communication Ive received from CCS, I feel my rights under the FDCPA were violated as there was no mini Miranda on their communication to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Is attempting to collect a debt I believe to not owe, furthermore they have failed to provide anything proving debt is mines
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C.1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had Fraudulent accounts on my report.Please remove these accounts from my report, they hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is XXXX. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Product: Student loan

Navient states that there is options for repayments on my high loans. When I called they claimed there were no options for me. When I stated that their site stated that Navient offers repayment option and that I needed to call, I was informed that I was mistaken.
Product: Debt collection

This was already paid by my insurance company and it 's still on my report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My payment is due on the XXXX of month. Sometimes when I go to app to process a payment it gives you an error message until XXXX : XXXX, which is the so called cut off time. After XXXX they add a late fee. Sometimes the late fees is already added to the account. Even if you process you payment at XXXX : XXXX  on the due date. There is also a maintenance fee added monthly, even though the account was closed at my request. It is my understanding that a maintenance fee can not be charged on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has continuously inquired on my credit. The company is unable to provide proof of identity, or contract that allowed their company to pull my credit. Please remove this inquiry.
Product: Money transfer, virtual currency, or money service

Both my mother 's and my Paypal funds were put on limitation on XX/XX/19 and we were given no reason why and were told that these funds ( our money ) would be held for 180 days/6 months. Twice, I have spoken on the phone to 2 different Paypal supervisors and got nowhere with either supervisor in getting my mother 's or my money released to us. I advised the supervisors that this is illegal to hold our money. There are laws against Paypal, Inc.doing this - Money Transmission Act, Section 184.1 states that funds can not be held for longer than 10 days. My mother is not only a widow for 15 years, but is also a XXXX senior citizen and living on Social Security, which is her only income. She and I need the money Paypal is holding to help pay our bills. Even though we would never deal with Paypal again - all we are requesting is that Paypal , Inc . release our money that they are holding for six months. I also filed a complaint with the XXXX XXXX XXXX about this. 
Thank you for your anticipated assistance in resolving our problems.
Product: Debt collection

XX/XX/ Debt showed up as a collections, with the original creditor named XXXX but the debt was sold to IC Systems XX/XX/ Company sent letter to resolve unknown debt, and settle for a less amount. 
XX/XX/ Attempt to contact company to dispute the unknown debt, company did not answer
Product: Credit reporting or other personal consumer reports

XXXX loan was forgiven because the school committed fraud, which was proven before the school was shut down. I had a XXXX balance and now the old balance has resurfaced. All my XXXX  loans should have been removed because the XXXX programs at XXXX XXXX XXXX were shut down for fraud, among other things. I should have a XXXX balance from all loans for XXXX XXXXXXXX XXXX