23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

The bright app too {$89.00} out of my checking account on XX/XX/2023 I asked for a refund on XX/XX/2023 when I realized they had charged me the fee that I did not consent to
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an automatic payment of {$140.00} taken from my XXXX monthly for almost 2 years that was made to cover a past government debt. Upon the COVID19 issue the auto payment was stopped by the government and the payments started reporting as delinquent in my credit. I contacted XXXX and the company that handles the collection and paid the past due balance of {$950.00} in full and the Dept of Treasury still has not updated my status to show XXXX balance and still reporting as past due on my credit. Ive disputed this 4 times without any luck and its damaging my credit. They are not properly investigating this issue.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all 3 credit bureaus ( XXXX Equifax and XXXX ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW! 

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall.. 
( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

On XXXX XXXX, 2016 my car got repoed by lobel financial. When they came and got the car the repo man had no paperwork in hand. We had money in hand to pay for anything we owed. I was at work at the time but my husband told him he had money to pay and the repo man told my husband im sorry I have no paperwork and no information on how much you owe. So of course off went the car. I called lobel the next morning to resolve this and that was the WORST experience in my life. They are rude, inconsiderate human beings. I explained to them very nicely that it was mix up and on my bank account. I told them I apologize. I told them I called right when it happened and at that time that person was very understanding and I told them I would pay it on the first. He said no problem I will mark your account. Will ... ... .guess what???? Nope! They would not listen, told me in order for me to get my car back I would have to pay my loan in full. I asked to talk to management no! I called the corporate number they sent me back to the other number. I asked to talk to management they put me on hold for XXXX minutes then call got dropped. I called to talk to the lebal department got put on hold again for a very long time then of course call got dropped again. They will not let you talk to management. Yes! I understand this is a new loan, but I explained to them the situation I went through and they did n't even care. I explained all of this would of been avoided if they would of sent the repoe company some kind of information on how much I owec cuz I would of paid the man.i even offered to pay what was owed in the rear and the very rude lady refused it stating in order to get the car back I have to pay it in full. I asked to talk to the manager that made that decision and she told me no. I asked to be transfered to corporate and with a XXXX voice and XXXX this is corporate. They will not let you talk to anyone. I feel I have been mistreated and unfairly by them and the car .ot. ( which I am opening a case with the lemon law against lobel and the car lot. ) When I got the loan the car lot and lobel REFUSED to add my husband 's income or my SSA income because oh its government money. I even tried to let lobel know when all this happened and they told me I have to pay my loan in full to get my car back because I am a risk I told them again I have more income to report. Once again they did n't want to hear it. What? Are they prejudice against people on government money? Or they just dont want to do extra paperwork. I have financed a car through them in the past.i did n't have no problems with them and paid my loan off. Which they told me thanks for coming back to lobel, we r here to help you. WHICH IS A STRAIGHT UP, IE LIE LIE. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of IdentityTheft I have followed all the recommended steps to take including but not limited to : Dispute Letter with fraudulent accounts FTC Report Police Report Driver License Government ID and Social Security card.

I have sent all these documents " certified '' with tracking and delivery confirmation.

However the fraudulent accounts remain on my credit report along with other discrepancies. 

The fraudulent account that remain are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a quick XXXX search I noticed that business " XXXX XXXX XXXX ' is a fictitious business. *The address doesn't match the business. * XXXX. Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA ( 15 U.S.C . 1681 ) Transunion has violated my rights by negligent and wilful noncompliance with the law after my discovery and informing them of the discrepancy. I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

There is a collection on my credit report coming from  Enhanced Recovery Group  in regards to a  XXXX  account that I have no knowledge of. They are also not able to produce a contract for the supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCHRONY BANK ( ROOOMS TO GO ) reported a late payment on my credit report. I am trying my best to make the payment i have never been late on a payment before i am suffering from the XXXX. The late payment just make life that much harder i was just denied for a loan and also an employment due to the late payment being reported to my credit report. This has cost me so much emotional distress i am currently partnering up with FCRA attorneys to sue if this issue is not addressed in a timely manner I need the late payments removed from my credit reports immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with the alleged debt agency TransWorld Systems about a frivolous debt that has surfaced on my credit report. I have been in contact with the debt agency twice within last 90 days and no response or legible documents proven I owe this debt. They are robbing, badgering my credit with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXX XXXXXXXX due to incorrect information. I had an agreement with the creditor to remove this account once it was paid off, so I am confused as to why this is still reporting. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). This account should be removed immediately due to the fact that I had an agreement with the original creditor and because the information is inaccurate. I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different balances you are reporting for the same account number.
Product: Credit card

Timely payments have always been a priority for me regarding this account, ensuring they're never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to complain about my XXXX Account ( XXXX XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with Equifax and XXXX  that the information is still not reinstated on my file.
Product: Debt collection

Letter from Law Office Mitchell Bluhm and Associates asking for medical debt collection on a 2 year old ER hospital bill dated XX/XX/2019 that was already paid in full 2 years ago by XX/XX/2019. The amount listed was for {$330.00} with no information on what it was for. I have not called them or gone to pay on their online portal : " law-mba.com '' since it seems like a scam.
Product: Debt collection

I took out a loan at XXXX for XXXX was paying back XXXX a month after XXXX payment which was a total of {$3800.00} I was under the understanding I was finished paying the loan back. As time went by XXXX XXXX was never on my credit report. Then this year in XX/XX/XXXX a lawyer from D SCott Carruthers contacted me to settle a debt that they say i owed of XXXX when my husband asked who the debt was from they said XXXX XXXX. we asked to send proof at the debt nothing was ever sent.Two months passed and in XX/XX/2018 the lawyers from D Scott Carruthers was calling 4-5 times a day demanding payments, then they started calling my place of business 4-5 times a day which i told them to do not call me at my workplace and my husband trying may attempts to try to resolve the issue at this time my husband was trying to Negotiate with them a payment plan since my husband is out of work and we are a single family income. They started threatening him with if you dont pay today we will take you to court and garnish your wedges if you dont pay XXXX XXXX up front we will take you to court and make you pay and make you pay paper fees and court fees my husband state we could pay XXXX down make monthly of no more that {$200.00} payments which is financial burden at this time and settle at no more than {$5000.00} and she stated they would think about it that was on a Friday XX/XX/XXXX they called back that Monday demanding XXXX down at {$380.00} a month settle at {$9000.00}. My husband re explained we didnt have that kind of money and she state if I dont hear a response by the end of the day I will file a judgment take to me to court and garnish my wedges. This was the last time we talked to her as of XXXX XXXX. D Scott Carruthers has never sent us anything and we really have no way of knowing how much the debt really is.
Product: Credit card or prepaid card

Was late on a payment on a secured card due to covid, so I spoke with a representative who waived a late fee, and gave me a lower amount to pay. I paid that, and then every 2 weeks until the account was current and below the credit limit, with no more late payments occuring, in XX/XX/XXXX. Finished paying down the account in XX/XX/XXXX, and they closed the account without notice. When I called, I had a balance of XXXX, and since I had made a secured deposit of {$200.00}, I was told the amount would be taken out of the {$200.00} to pay off the account, and the remaining XXXX would be sent back to me in the form of a check. That phone call was XX/XX/XXXX. In the middle of XXXX, I received a letter from Citybank, saying the same about issuing me a check, but they said they would be holding the money from me until XXXX. On XX/XX/XXXX, I received a statement from them with a {$35.00} late fee, and payment due of {$74.00} from no payment on XX/XX/XXXX. The account was closed already at this point, and they owed me money. No payment should have been due, and I was never informed that I would have to continue making payments until they reimbursed me. Called the company on XX/XX/XXXX, and was told since I had a late fee removed in XXXX, I was not eligible to have this one credited. This charge should never have happened, so I spoke with a supervisor who eventually issued a statement credit of {$35.00}, which will not show up on the account until AFTER they refund the balance of my deposit, so I will have to wait even longer for them to send the remaining {$35.00} owed, and they can't do anything about the late payment reported to the credit bureau, nor any charges that may stem from non payment on XX/XX/XXXX, even though the account is closed and balance due should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This delinquent account record is inaccurate because I dont recall making a payment late. Under the Fair Credit Reporting Act, I have the right to request method of verification of the creditor reporting the late payment. I request proof that I am indeed the party you are reporting the late payment for from the creditor validating the evidence of this late payment reporting. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.
Product: Debt collection

I checked my mail on Friday XX/XX/16 and had a letter from Sequium Asset Solutions , LLC regarding a {$97.00} debt they were attempting to collect from XXXX. 

I closed my account with XXXX  earlier this year, returned the equipment, and paid the final balance. I should not owe any money. 

I have attempted contacting Sequium Asset Solutions , LLC more than five times since receiving the letter. The amount the XXXX phone says I owe differs from the amount on the letter and I can't get answers from anyone regarding what this charge is for and what the amount is. 

This is very unprofessional. This business should be fined for its unprofessionalism in respect to their treatment of consumers when attempting to collect a debt.
Product: Debt collection

I received a letter from Midland Credit on XX/XX/XXXX stating theyre trying to collect a debt that not only in 2019  was ruled identity theft but reported to CFPB. There is also a case with CFPB on them for attempting to collect this debt in a few years back. Now its 3 years later and theyre illegally attempting to use scare tactics to collect one something not owed to them. There is a legal affidavit filed for this and they are still trying to collect. Not only was a complaint filed for this but also illegal debt collecting practices over the phone and a letter was sent out requesting Identity of the debt collector, including name, address, and phone number The amount of the debt, including any fees such as interest or collection costs What the debt is for and when the debt was incurred The name of the original creditor Information about whether you or someone else may owe the debt They clearly cant understand whats going on because in XXXX complaint XXXX with a ftc affidavit attached they stated please provide one which was given to them already and the company they claim to have gotten from. Attached is a copy proving this was attached. They were also physically mailed this in 2019, had an attorney general report and have the XXXX cases to prove this was all provided and reported
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have been a customer of XXXX XXXX  for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by XXXX. 

I had a overdraft line of credit from XXXX XXXX  on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as Covid 19 was becoming an issue and as bank branches were closing. 

I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from XXXX XXXX. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 XXXX  accounts to be able to pay the balance, which I wasn't able to do through XXXX 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX XXXX or XXXX XXXX  on any of my loans. They responded with a from letter that the dispute was rejected. 

This negative payment, the only one on my credit report, is causing my credit score to be as much as 40 points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. 

I tried reaching XXXX Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. 

I am hopeful the CFPB can at least get me to speak to someone at XXXX XXXX  to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

For several months I have been receiving daily automated calls from Transworld Systems trying to collect a debt. When I answer I just get a recorded message to call XXXX and reference Case ID XXXX or XXXX. 

Returning the calls, I have learned that neither of the Case ID 's are associated with my name. I have made repeated requests to have my number removed, but continue to receive calls. On a call I placed XXXX at XXXX XXXX ( CST ) I was assured my number would be removed within 24 hours. It wasn't. On XXXX at XXXX XXXX  ( CST ) I spoke with XXXX and was told again it would be removed within 24 hours. 

Today, XXXX after receiving yet another call at XXXX XXXX I decided to file a complaint. They are calling my office line and interrupting my business. The last 2 calls I made to them I told them I would file a complaint if I continued to receive their calls. 

I have saved some of their recorded voicemails.