23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Ad Astra, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a XXXX  payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring. 
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party  on the inbound call, which violates FDCPA. 
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ). 
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. Ad Astra never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now. 

I request that the CFPB does an independent audit at Ad Astra,  reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Balance Owed : {$19000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

The company was unclear on policies regarding off cycle payment. I made an off cycle payment and they did not take out the following XXXX payments. I believe this is solely to make it more difficult to pay off loan in required time before a double the amount penalty.
Product: Debt collection

On XX/XX/2017 @ XXXX XXXX EST, a man contacted my roommate 's cell phone claiming to be Attorney XXXX XXXX from New York. He called from ( XXXX ) XXXX and told me that Capital One wanted to take legal action against me for an old debt and the amount I owed for the debt and restitution was around {$500.00}. He told me that I needed to pay the full amount immediately or else Capital One would take me to court and have my local government charge me with theft, fraud and possibly spend up to a year in jail. He offered to take payment via XXXX XXXX, my bank account or another credit card payment. I told him I could n't pay for a couple of days and he pushed and pushed for an immediate payment, but said he would call back later so I could try to come up with the money. I did a reverse phone number search and found that it was a non-fixed Voip number from XXXX XXXX, NY, however, when I searched for his name and business in New York, I found nothing. I did ask my roommate to call the number back to see if and how he answered the phone and he did answer " Attorney XXXX XXXX XXXX XXXX '', before she apologized and said she had dialed the wrong number. I do n't owe any old credit card debt for that amount from over a year ago and my roommate has been receiving excessive scam calls lately. The man sounded very professional and was the most believable " scammer '' I have talked to so I would hate for someone to trust and give him their hard earned money. Thank you for your help
Product: Credit reporting

Equifax makes you wait HOURS on hold and then those who answer the phone simply hang up on you
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are not my items
Product: Credit reporting or other personal consumer reports

XX/XX/24 Dispute letter was sent XXXX, XXXX and Equifax they have filed to notify me of the results of their investigation as of XX/XX/24
Product: Credit reporting or other personal consumer reports

Experian LLC has provided sham investigation of my report no response was given of things illegally reported on my credit report which is a violation of my consumer rights!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter on XX/XX/2022 to the XXXX Credit Bureaus : Experian, XXXX and XXXX. The letter was sent via XXXX XXXX mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.
Product: Debt collection

XX/XX/XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX XXXX XXXX. 

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

I get an email on XX/XX/19 that access to my checking account has been blocked for some unknown reason. I call up on XX/XX/19, go through the gammet of questions they ask to confirm my identity, including them sending a text message to my phone and me reading the text to the service representative. I then am told there is nothing they can do for me and that they are working on a solution without any explanation of what the issue is, what their solution is, etc. leaving me without the ability to access the account where my bi-weekly paycheck is deposited, from which my bills are paid, for seemingly no reason whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017 I have been disputing some negative accounts on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stating that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.
Product: Credit reporting or other personal consumer reports

My accounts 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/updated. 

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 XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX company keeps opening and closing my charged off account since XXXX  so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the account.
Product: Checking or savings account

On XX/XX/2023, my cell phone and wallet were stolen, and my wallet contained my Chase debit card. This debit card, combined with the thief using my phone to respond " yes '' to fraud alerts, was used to rack up around {$10000.00} in purchases, which are quite obviously fraudulent since it does not at all match my pattern of behavior. These debit card purchases were not covered by Chase. My Chase credit cards were also used to make fraudulent purchases, although these WERE reverted. 

The purchases were were several large amounts at XXXX, " XXXX XXXX XXXX '', and several transfers to my XXXX account, which they had access to because it was installed on my phone without a password. I contacted XXXX within 24 hours, and they denied any responsibility or liability. 

I marked the debit card as stolen to chase and filed a report within 2 days. Chase responded to me on XX/XX/2023 stating the following : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

When I contacted them, I was told that they would refuse to make any modifications, even if I presented a police report. I was also told by the XXXX Police Department that they wouldn't be investigating due to insufficient evidence provided by me, and I do not have the resources to perform an investigation myself.
Product: Vehicle loan or lease

The issue at hand is that the bank was aware of my medical and financial issues at the time and were told I would be receiving a lump some from my XXXX XXXX XXXXXXXX and they started placing fees on my account saying there are late fees when I have been making payments to ny account. They have also been giving me NFS fees when I did not set up autopay. Its not duplicated complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian two times about deleting unknown addresses and inaccurate information from my credit file but yet they still refuse to delete addresses and the inaccurate information that I have no knowledge about are addresses that I can not receive mail at nor addresses that I never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

I had a dispute with XXXX credit report dispute. they had XXXX account updated to a further date. Now with your help they deleted the account. 
I had the same problem with Equifax and XXXX credit reports. 
i have attached the following dispute and i still have not fix the problem.
Product: Mortgage

I started working with Finance of America on XXXX XXXX, 2016 after giving them my social security and all my doc and signing the Good Faith Disclosure I was told later that I needed to make more income on XXXX XXXX. I am retired I get XXXX a month after tax I only have a house note and XXXX credit card with a XXXX % debt ratio the requirement for FHA is XXXX %, On XXXX XXXX I spoke with the Loan originator and told him I would be going with another company and asked him to release my case number so I could get my loan done with the new company. The new company sent the information over to them requesting the release of the case number that I signed. This was after 4 day with no response from Finance of America. After 3 days the case number still had not be released I spoke back with the loan officer and sent him a copy of the form I had signed on XXXX XXXX still nothing was done. On the XXXX of XXXX I sent an email to the loan officer again This email is to inform you that I will be filling a complaint with the CFPB for your failure to comply with the Law on my right to cancel with your company and you to release my case number in a timely manner. I notified you by phone on XXXX XXXX 2016 that I was canceling and going with another company by XXXX XXXX the case number was still not released then you were sent an email letter dated XX/XX/2016 requesting that the case number be transferred to the new company and still nothing is done. You are in violation of my rights to go with a company of my choice.
Product: Checking or savings account

This has been an on going issue I have been diligently working on since XX/XX/2023. Its so unprofessional for a business to take such low standards when dealing with peoples means to live.. I have waited patiently as well as followed the correct steps to fulfill my obligation on my side as being the customer. The bank ( business ) has done nothing to try to resolve this issue and now its happened multiple times. Any contact information they provide me with is none working, I have sent the correct documents they requested multiple times and nothing seems to get done. The total amount they due to owe me is XXXX. They will put money for the fraud charges in my account and then take them back. Making me pay fees that are unnecessary since its due to their mistake. The last time i deposited XXXX at the US bank atm not only it didnt show and still hasnt on my account but it also kept the card. Forcing me to have to get a new one which takes 3-7 business days. During that time I had a trip to take and wasnt able to use my own card because of the temp card not having my name on it. When I contact them regarding anything to do with my account or if I try to make fraud claim they give me a run around. Sending me to various departments who either dont know how to answer the questions or provide me with the necessary help to ensure that I get my money back. I feel that this is not only unfair but unjust. If u need any more information regarding this matter please dont hesitate to call. I just didnt wish to waste more of my time collecting and sending documents with personal information while nothing still get resolved. Thanks for your time.
Product: Money transfer, virtual currency, or money service

First contacted them on XX/XX/18. Last contact was XX/XX/XXXX. 


1. There is no balance history anywhere that I have access to ( desktop browser ). There is only transaction history and current balance. This is extremely shady and allows all the XXXX  that follows. 
2. I'm watching my balance as I'm selling things on XXXX  because I'm going to pay for something close to {$300.00}. When I'm almost there my current balance drops about {$70.00} without there being any new transactions. This occurred during the middle of XX/XX/2018. 
3. Paypal notifies me by email that an XXXX  buyer made a fraudulent chargeback with his credit card. The item was sold for {$23.00}, and paypal says there's a chargeback fee of {$20.00}. Nothing close to {$70.00}. And neither of those items showed on the activity page. 
4. I contact Paypal support via the site 's message center. They tell me to call. I call and they tell me they'll pass it on to someone who will look into it and email me. 

The {$20.00} chargeback fee gets refunded, again without any record/new activity listed. My balance simply changes again. 

5. I never get an email. So I send another message. They refer me to the merchant support site. I contact that support site and they ignore the problem of the missing money and tell me I need to upgrade to a business account to be able to see my balance history, and tell me to call support. I call support again and they tell me I need to put in my social security number in order to view my balance history. That seems VERY sketchy so I do a XXXX search and see warnings about that. I put it in temporarily and it has no impact. You can't remove it, so I change it. I call support again and tell them that adding my social did nothing. The person is totally incompetent, makes nonsensical & contradictory statements, has no access to anything. Either speaks terrible english and doesn't comprehend anything, or is using that as a farcical excuse to not help me. I ask to speak to someone else, they put me on hold for 40 minutes then disconnect me. 

Looking at the information they referred me to while on the phone with support, they retroactively changed my balance so that it was never close to {$300.00}. 

I gave Paypal proof of delivery and they disputed the chargeback with the fraudster 's bank on my behalf, but they said the bank sided with the fraudster. This person is regularly doing this to multiple sellers and Paypal refuses to do anything. I called the police to report the chargeback fraudster and they said my only option is a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECK FOR XXXX 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Product: Debt collection

Installment loan agreement with XXXX XXXX  XXXX XXXX XXXX UT XXXX Account # XXXX ; XXXX as listed on the agreement I sent in the total amount due to be processed XX/XX/XXXX they received XX/XX/XXXX saving on the intrest charges they told it would consider late because I didn't pay online
Product: Debt collection

I am writing to report the theft of my property ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). My property was taken on XX/XX/XXXX about XXXX while I was located at XXXX XXXX XXXX XXXX XXXX Georgia XXXX 

I have notified the authorities and will be filing a police report in the morning as XXXX XXXX who came out stated he could not file a report due to poor communication with dispatch. 

I am enclosing a copy of the Paid in Full Letter I received from TD Banks in regards to this property to show that it is indeed paid for. Also enclosed is the filed copy of my acceptance of such receipt. TD Bank received both of these copies in XXXX in which I asked for my title and they have continue to ignore and refused to send.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists