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

On XX/XX/XXXX I received a call from OneMain due to my XX/XX/XXXX payment not being made, at that time I advised the rep that I had XXXX XXXX XXXX on XX/XX/XXXX & was waiting on XXXX to be processed so I could have a better understanding of what my new income would be until I got a new job. On the XXXX the man that I spoke with offered me a 2-month deferment & at that time I decline & advised him that just as long as my XXXX was approved I should be fine with making the payment. I then received a call from the same man on XX/XX/XXXX, and XX/XX/XXXX & then on XX/XX/XXXX lady called & offered me the same 2-month deferment I again explained my situation & declined. 

I then later called the lady back to go on & set up the 2-month deferment due to I was still waiting on XXXX. At the time that I spoke with her, I was only due for the XX/XX/XXXX payment, she told me I would need to make a full payment by the end of XXXX & once I did that they would defer 2-months. She also stated that once the payment was posted on the XXXX I would receive my deferment approval in the mail. A payment for {$470.00} was set up on that same day to draft out on XX/XX/XXXX, this payment has since been posted & cleared my bank. 

I received my deferment letter in the mail, dated XX/XX/XXXX that states I was approved for a 2-month deferment with my next payment being due XX/XX/2022. I contacted OneMain this morning to get clarification, due to the only payment that I've missed was my XX/XX/XXXX payment. I explained that as of XX/XX/XXXX I was due for XXXX & XX/XX/XXXX payments so the {$470.00} they received on the XXXX should have covered one of those payments & the deferment should have covered the other payment along with the XX/XX/XXXX payment. 

I was then told this morning that the 2-month deferment that I was placed on only covered half payments for the months of XXXX & XXXX, & the payment that I made on XX/XX/XXXX was to cover the remaining of those half payments. This was never explained to me when I was offered the deferment nor is this stated in the deferment letter that was sent to me. All information that was provided to me stated a 2-month deferment, which means it should be 2 full monthly payments, if this is not what they are offering then their letter & information that they provide should clearly say half payments & it doesn't. 

OneMain has now placed me in a worse financial situation because I now have 6 days to figure out how to come up with {$470.00} because they lead me to believe that I would be receiving a 2 full month 's deferment when that was not the case.
Product: Checking or savings account

I am an identity theft victim. I have credit freezes placed at all 3 credit bureaus and at XXXX XXXX. I don't have any accounts with TD Bank. 
on XX/XX/XXXX I received a TD Bank statement for an account that I did not open. Called customer service but could not get to any person. 
on XX/XX/XXXX went to TD Bank XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XX/XX/XXXXNYXXXX. The manager XXXX XXXX was very helpful. She called Fraud Specialist XXXX XXXX XXXX and reported the fraud. Apparently two accounts were opened online, one checking and one saving. Ms. XXXX gave me the direct number for Fraud Resolution Department. 
For good measure I also called TD Bank Fraud Resolution Department and reported the fraud to XXXX. She said that she closed both accounts. 
I thought that it the end of it yet on XX/XX/XXXX I received another TD Bank Statement. Called their Fraud Resolution Department and spoke to XXXX. She said that the accounts were closed but she could not explain why I received another statement. 
It is also difficult to understand how a bank can open an account to my name while I have security freezes placed at all 3 credit bureaus and at Chex Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Credit reporting or other personal consumer reports

I recently received a fraudulent inquiry on my credit report that I did not authorize. 
XXXX XXXX XXXX
Product: Debt collection

XXXX breached our contract by not providing a signal in our home. The fact they provided us a " Booster '' that connected to my internet is proof enough. Providing this booster is XXXX admission that they had poor to no service. 
In XXXX XXXX we lost power due to a storm. During those 3 hours my internet was not powered and we could not get ANY signal from XXXX in our home. We have an XXXX year-old parent living in our home with health problems and has had numerous XXXX. After 20 years of paying XXXX XXXX of dollars using XXXX auto-pay, never a late payment, and listening to XXXX tell us every year that the service would improve, we ported our phones to XXXX. XXXX attempted to talk us back into using them. They would only allow communication by phone, not email. This is a deliberate scam XXXX uses to hide behind their recorded phones and leave their customers without any rebuttal. 
Bottom line they stretched full separation from this contract out over months of time, claiming during that time they were still providing us service. With our lines/phone numbers transferred to XXXX XXXX providing us service of any kind is totally impossible!!! 
In XXXX XXXX they apparently sold this false debt to Allied Collection Service, then totaling {$1400.00} of false charges and fees. Allied called us and we thought we had made it crystal clear to Allied we did not owe XXXX anything. I filed a compliant against XXXX with this site, and the FTC. I provided copies of these filed complaints to Allied by email and the issue went away ... we thought. The XXXX XXXX XXXX XXXX XXXX sent me an alert that my credit had been hit by XXXX and Allied. XXXX sent me a non-registered letter threatening me. I immediately filed another complaint, this time with the FCC and XXXX went silent. Then Allied hits us again with the same attempt to collect money from us that we do not owe. 
Now our credit reports have taken major damage, dropping our good credit ratings by more than XXXX points. This should be a criminal offense due to : harassment, character defamation, loss of income due to countless hours spent defending ourselves, and incredible stress ( having had XXXX XXXX XXXX this is not good ). 
Now our only option is to retain an attorney which we have in process. The only way I was able to get any communication with XXXX was by " chat '' on their XXXX page ... I have printed copies of the chat transcripts and many other documents for our attorney. 
PLEASE help us right this wrong!
Product: Credit card

On XX/XX/2024, I tried to use my account and it was denied. I called and spoke to XXXX representatives ( 2 supervisors ) regarding the issue and they stated it was due to inactivity and issues with my credit report. I asked the supervisor what does my credit report have to do with account when I currently already have an account. The hold/block was placed in XX/XX/2024 and the representatives stated that they didn't know when it will be removed. They didn't provide any correspondence saying that they were going to lock/block account for any reason which I think is disturbing.
Product: Credit reporting or other personal consumer reports

In XXXX 2023 a collections record appeared on my credit report form Central Portfolio Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The invoices in question were part of XXXX XXXX incurred from XXXX I had, and were paid to the XXXX XXXX  by my attorneys when the case was settled. Apparently CPC purchased the debt that had already been paid to the XXXX XXXX. After a very long back and forth with CPC and providing documentation from my lawyer this issue was finally cleared up. CPC bought a bad debt. This action dropped my credit score about XXXX points, which was restored to XXXX in XXXX. We let this incident go. 

On XX/XX/XXXX my credit score dropped again by XXXX points. We come to find out that CPC reported again, the very same invoice from the first incident as being in collection. This was subsequently removed without action from me, though it has cause some stress over my credit score which now sits at XXXX. After talking to XXXX they indicated that it was being cleared up and we should see restoration by the end of XXXX. In the mean time I can not get good pricing on a mortgage we are applying for and have to wait. 

CPC needs some action taken upon them for their recklessness. I wanted to report it here, but am pursuing legal measures as well.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, XXXX XXXX 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I incurred a debt by Pro Collect company about a lease property in Texas where i never resided or lived. I contacted them and told them I never lived in Texas and filed a police report on the matter and sent to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, XXXX XXXX, in XXXX, Al, performed an unauthorized hard inquiry pull on my credit. When contacted and questioned about this issue, they advised they pulled my credit because my payment was late and they had an outdated phone number for me. I told them that wasnt a reason to pull my credit, as they had my email and failed to try to reach me there.. they then gave me the number to their customer relations department for further assistance. I called that department and they advised they could pull my credit if my payment was 30+ days late, which I confirmed it was only 19 days late when they pulled my credit, and I had already scheduled the payment to be paid online. The agent with the customer relations department escalated the unauthorized pull to a supervisor and I havent received an update.
Product: Credit reporting or other personal consumer reports

uknown inquiries on my credit report. i did not knowingly or willfully authorize these inquiries. please delete this inaccurate items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX BANK 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 in XX/XX/year> to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute a debt claimed by Portfolio Recovery Associates, who allege that I owe XXXX XXXX {$680.00}. I assert that this debt is in error, as I have never utilized their services in XX/XX/year> or at any other time. 

Despite my repeated attempts to resolve this issue directly with Portfolio Recovery Associates, I have not received proper debt validation as required by law. On one occasion, I was left on hold for over an hour without resolution.

I believe this constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically : - **15 U.S. Code 1692g** - Validation of debts : This statute requires debt collectors to provide validation of the debt upon request, including the amount of the debt and the name of the creditor. 
- **15 U.S. Code 1692d** - Harassment or abuse : The excessive hold time and lack of response could be construed as harassment, which is prohibited under this section.

Furthermore, the continued reporting of this erroneous debt on my credit report violates the Fair Credit Reporting Act ( FCRA ) : - **15 U.S. Code 1681i** - Procedure in case of disputed accuracy : This section requires credit reporting agencies to promptly investigate and correct inaccurate information on a consumer 's credit report.

- **15 U.S. Code 1681s-2** - Responsibilities of furnishers of information to consumer reporting agencies : This mandates that companies like Portfolio Recovery Associates ensure the accuracy of the information they report to credit bureaus.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that this fraudulent information is removed from my credit report immediately. This erroneous reporting has caused significant distress and potential harm to my creditworthiness.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : 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/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Wells Fargo refuse to remove a negative reporting ( a 30 days late ) payment even though Wells Fargo agreed that the 30 days late payment was because of something that was their error. Wells Fargo notified me of the change of reporting via mail on XX/XX/19 and I forwarded what Wells sent me via their executive office to XXXX. XXXX refuses to do their due diligence and investigate this further and remove it from my account! Please have XXXX remove this from my account ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : 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, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Has violated my rights. 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 an 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 or 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. 


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

Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX   {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Deputy XXXX Unit XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : XX/XX/1984 XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I'm incredibly disheartened to find unauthorized inquiries appearing on my credit report tonight. Ive reviewed it as I normally do, and suddenly, there are discrepancies that I can't explain. I tried refreshing my browser thinking it might be a glitch, but that did nothing to resolve the issue. I urgently need the documents I sent to be reviewed thoroughly to ensure that I don't have to face this problem again.
Product: Debt collection

On XXXX a message was left on my voice mail from XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX treating me with XXXX and issuing a warrant for my arrest and contact him at XXXX he left this same massage with my brother and at my place of employment I called back and said he was calling it regard debt from check into cash comapny from 2009. I inform him that the treat of criminal charges was again fair debt collection practices act and i was going to file a complain with cfpb and the state attorney. he reply said that the FDCPA doesnt applied to him because he is a lawyer. then is started to be rude and calling XXXX that i was thief and hang up phone. Then 2 mins later he call me again that contact someone at my work. I inform him that the law in state of California was protecting me and i did n't do anything criminal. the he starting to treating again claiming i was going to me arrested that evening and he can call me from any number and that he can said what ever he wants all that he was being verbally abuse calling XXXX and listen you XXXX, and using XXXX XXXX XXXX and XXXX XXXX that there was nothing i could do. i told him i was going to file a civil complaint and hang up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a late reporting on my account with JPM Chase Card account ending in XXXX.I called chase to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Product: Checking or savings account

I made several purchases with my debit card : {$11.00}, {$2.00}, {$12.00}. Leaving me {$48.00} balance in the account. Then I had an emergency come up and I withdrew the {$100.00} leaving me at - {$52.00}. They rearranged all the purchases and ran the {$100.00} withdrawal first so they could charge extra overdraft fees on all the others. Is this legal, shuffling all the amounts around from original sequence to set me up for extra fees?