23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A previous debt was sent to this collection agency in XXXX of XXXX. As of the beginning of XXXX, this debt was removed from my credit report as the original creditor removed the debt from my account. On XX/XX/XXXX I received a phone call from ACSI attempting to collect a debt. I did not verify any info due to previous scam attempts, then was hung up on by representative after refusing to give any information. 

My issue, why am I being contacted when this has been removed from my credit report and removed from collections by the original creditor? 
On XX/XX/XXXX at XXXX, I contacted the number that called me on the XXXX ( XXXX ) in an attempt to settle this matter, no answer, but my call went to what sounded like a personal voicemail. I then contacted the phone number listed for ACSI on XXXX, as another method of contact, at : XXXX, and they were experiencing a high level of calls and could not take my call. 

Any further contact from this company ( ACSI ) regarding this matter will result in further legal proceedings against ACSI for continued harassment and unethical business practices.
Product: Prepaid card

On XX/XX/XXXX, I purchased a {$500.00} XXXX gift card at XXXX XXXX XXXX. I attempted to use the gift card at multiple stores that I have used XXXX gift cards at previously, but this card did not work at any of those same stores. I called XXXX, and the representative said there was a problem with the card. I requested a refund check for the {$500.00} I had loaded to this XXXX gift card in addition to paying a {$4.00} purchase fee. The representative gave me a XXXX # XXXX and requested I send an email to XXXX including the request for the refund, a picture of the receipt with the front and back of the defective gift card and the packaging. I submitted all of the requested information that day and was told it would take XXXX business days for my refund check to arrive. I called back on XX/XX/XXXX because I still had not received the refund check and after speaking to a supervisor was told the check would be reissued and mailed out in XXXX business days. After returning from the holidays with my family, the check had still not been delivered in my held mail, so I called again on XX/XX/XXXX and requested a refund check be expedited since it has been over 2 months. I have still not received any refund for the defective and inactivated gift card, I would appreciate any help in getting this refund promptly processed, and requested this complaint be published online at this shameful business practice of selling a product that doesn't work and then holding the consumer 's money for over 2 months claiming there only way to communicate with the " back office '' that processes refunds is via interdepartmental email. Thank you for your assistance!
Product: Debt collection

I sent a letter to DISCOVER FIN SVCS LLC letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and DISCOVER FIN SVCS LLC refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. DISCOVER FIN SVCS LLC provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$730.00} Date Opened - XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX LOAN SERVICES ABOUT REPORTING INACCURATE INFORMATION ON MY ACCOUNT SINCE XXXX WHEN I WAS FIRST APPROVED FOR MY ACCOUNT WITH THEM THEY HAVE BEEN REPORTING INACCURATE DATES ON MY CREDIT REPORT STATING THAT I HAD LATE PAYMENTS IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE SENT OFF SEVERAL LETTERS IN XXXX, XXXX, XXXX AND XXXX AND XX/XX/XXXX ASKING THEM THEM TO REMOVE THESE INACCURATE REPORTINGS OFF MY CREDIT REPORT I HAVE NO HEARD ANYTHING BACK FROM THEM, I TOOK IT TO THE NEXT STEP IN XX/XX/XXXX ASKING EXPRESSION, EQUIFAX AND XXXX TO REMOVE THIS INACCURATE INFORMATION FROM MY REPORT I HAVE SENT THEM EVIDENCE SHOWING WHEN I HAVE MADE MY PAYMENTS I STILL HAVE NOT HEARD ANYTHING BACK AND IT IS NOT XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018
Product: Debt collection

Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. 
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX  failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. 
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. 
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( XXXX ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX to cease collection activities until proper validation is obtained. 
* It is imperative that XXXX XXXX XXXX furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the XXXX  period specified. The cessation of collection activities during this interval is mandated by statute. 
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. 
In light of the foregoing, I demand that XXXX XXXX XXXXT rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may result in legal consequences and further action to uphold consumer rights. 
Kindly acknowledge the receipt of this communication within XXXX XXXX and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. 
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
Product: Student loan

On XX/XX/XXXX, I co-signed for my daughter to get additional money for school. When I co-signed on loan I asked once she graduated could I be taken off the loan. I was informed my daughter had to make payments on the loan for a year after she graduated but I was also still responsible for the loan. On XX/XX/XXXX, my daughter applied to have me taken off the loan. It had been over a year since she is paying on the loan. On XX/XX/XXXX, I received an email regarding the outcome of the approval of removing me from the loan, and it was denied. I called XXXX XXXX today to find out why the application was denied and was informed because my daughter put her loan in forbearance and wish I was not aware of since I am the co-signer. XXXX XXXX customer representative tells me I had to wait until XXXX to reapply and be removed from the loan. XXXX XXXX loan has been paid on time since XXXX when the loan was approved, and my daughter has paid the loan on the till date. XXXX XXXX contract states as a co-signer I am responsible for the loan if my daughter can not pay it. However, they did not inform me the loan was going in forbearance which would give me the opportunity to see if it was going to hinder anything. However, XXXX XXXX put the loan in forbearance and want to hold me on the loan for another year. Also, when I look at the payments, the forbearance was paid o XX/XX/XXXX, and I applied to be removed from the loan on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal AcXXXX. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates
Product: Credit card or prepaid card

My Name is XXXX XXXX. This complaint is with Comenity XXXX  XXXX  concerning finance charges on an XXXX XXXX XXXX Credit card ( account ending in # XXXX XXXX. See attached document for detailed information and documentation
Product: Checking or savings account

I was charged {$640.00} and {$640.00} on XX/XX/2023 from 2 different XXXXXXXX XXXX stores in Georgia. I saw the pending transactions on my phone app and immediately called TD Bank. they canceled my card. They were not able to file a claim until the charges posted. I called each of the XXXX stores and told them someone fraudulently used my card online and was planning on picking up the products physically in the store. They didn't believe me and hung up. So I waited until Tuesday since Monday was a federal holiday and TD filed a claim. They mailed me a letter stating that the transaction appears to be authorized by me since the thieves had my email and phone number. I have a XXXX  store and my email and phone number are listed publicly and easily found. I do not live in Georgia and can prove I was in NY at the time of them picking up the product in these stores. I would think you can get access to the videos from the stores to show it was not me. They also used 2 different stores instead of purchasing both from the same place.TD said they reached out to Visa and that since the merchant XXXXXXXX XXXX was able to show that the order had my email and phone number attached to the order that I did indeed make the purchase. I DID NOT!!! Please help me prove that I did not authorize this purchase. {$1200.00} is a lot of money that i am out.
Product: Credit card

I am a XXXX XXXX XXXX, XXXX  retired veteran who is XXXX  unemployable and living on a fixed income. Citi Bank closed my credit account ending in XXXX without any prior notice, communication, or opportunity for resolution. What is especially troubling is that the account was closed before the next scheduled payment date, which would have given me a reasonable chance to pay or bring the account current. I had a past-due amount of {$48.00} and had not missed that upcoming paymentI was simply not given a chance. 

Following the premature closure, Citi Bank reported the account as " over the credit limit '' to all major credit bureaus. This has resulted in a severe and unfair drop in my credit score. As someone who relies on stable credit to manage essentials, this has caused significant disruption and hardship. 

I contacted Citi Bank seeking answers but have not received a clear explanation or resolution. I believe this is unfair and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), and I am requesting assistance from the CFPB to help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report seven yrs. Also 15 U.S.C.1681S-2 { A } { 1 }
Product: Credit reporting or other personal consumer reports

My account with 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 ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 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 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

Summary : XXXX denied my TEPSLF application based on a requirement of which I was never informed. 

XX/XX/XXXX : I apply for TEPSLF XX/XX/XXXX : I am informed via e-mail that I am being considered for TEPSLF. 

This is the last communication I receive until XX/XX/XXXX. I learned from the TEPSLF web page that anyone who applied in XXXX would be informed by XX/XX/XXXX. 

I was not informed of my status at all. 

On XX/XX/XXXX I e-mailed to inquire about the status of my application. 

On XX/XX/XXXX, after hearing absolutely nothing, I contacted XXXX by telephone. 

The poor young man I talked to, XXXX, had the misfortune of telling me that I had been rejected, because ONLY the payments I made since my XXXX loan consolidation counted toward TEPSLF. At no point in the process was I informed that consolidation played a factor here. I asked to speak to a manager, and was put on hold for a while, eventually transferred to XXXX. XXXX talked to me like a child, explaining again that none of the payments I made before XXXX would count. I interrupted her to say that the problem was that no one had informed me of this and that I wanted information on how to appeal. XXXX promised me that this information would be sent. 

Instead I received an automated e-mail almost immediately re-iterating my denial on the grounds that were never explained to me in the first place. 

Repeated e-mail requests for the appeal process procedures this week have led to nothing but being told I needed to call in. 

I have also filed a complaint with the Federal Student Loan Ombudsman Group. I  don't mind paying my loans. In fact, I'm paid ahead until XX/XX/XXXX, that's how fiscally responsible I am. But don't tell me you're going to reward my public service, then keep moving the goal posts and treat me like an infant when I stand up for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt for Federal financial aid has been paid as of XXXX XXXX, 2022. 
My credit continues to suffer and I am unable to qualify for a mortgage due to wrong information. 


XXXX was the servicing company that has confirmed the completion of the loan payment. However the loan is still present on all THREE reporting credit bureaus,
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( XXXX ) # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/1997 Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following unauthorized inquiry and two collections. 

Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of an account reported on my credit report by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the specific issues : XXXX. XXXX XXXX of XXXX XXXX : The report states, Account information disputed by consumer, meets FCRA requirements. If you did not agree to this dispute resolution or if the dispute was not properly investigated, this statement might be misleading. 
XXXX. Unauthorized Transfer or Assignment of Debt : If you did not agree to any payments or the transfer of this account to a third party ( XXXX Funding ), it could be a violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential Obsolete Information : The accounts Date Opened is listed as XX/XX/XXXX, with the Last Reported date as XX/XX/XXXX. If the original delinquency occurred in XXXX, this account XXXX soon exceed the seven-year reporting limit for negative items under the FCRA. 
XXXX. Lack of Supporting Payment History : The report does not provide a detailed payment history or verification of how the debt reached Collection/Chargeoff status. This lack of transparency raises concerns about the accuracy and verifiability of the report. 
XXXX. Incorrect Reporting of Collection Activity : If XXXX Funding is reporting this account as Collection/Chargeoff without proper documentation or consent, this could constitute a violation of the FCRA and FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure the information they report is accurate and verifiable. Inconsistent and unclear reporting violates this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported for more than seven years from the date of the first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed this account and it remains unresolved or improperly updated, this indicates a failure to conduct a proper investigation.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) XXXX be reporting incorrect or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : If XXXX XXXX reported this debt without your consent or misrepresented its authority to collect, this could violate FDCPA provisions.