23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a debt for from XXXX XXXX, I set an arrangement with the XXXX, and make two payments, the third payment i failed dues to financial hardship. they send me to collections the collections agency send me a letter and i call to make an arrangement, they told me that they would hit my credit even if i make a payment, then they told me that i need to pay {$4000.00} on the phone i offer to make an arrangement of $ 100 monthly they refuse to do that they told me that i can pay {$630.00} over the phone and {$350.00} per month then the agent transfer me to a very rude and aggressive person that did not respect me or either allow me to talk. 
I'm able to make {$150.00} payments per month to clear this debts, right now the economy is hard and that is the maximum that i can pay. I can revisit this to see if in the future i can pay more. 
the lady over the phone just hang up on me leaving me with out any options
Product: Mortgage

Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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 o

n 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 com
pany 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 those account 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: Prepaid card

I received a {$200.00} XXXX gift card as a XXXX present. The card was purchased on XX/XX/XXXX. The first time I attempted to use it at a gas station, the transaction was declined. Assuming it was a temporary issue, I did not try using the card again until XX/XX/XXXX, when I attempted to pay at XXXX. However, my transaction was declined due to insufficient funds. 

When I checked the cards balance online, I discovered multiple unauthorized transactions that I did not make or approve, including charges from XXXX  and XXXX *eFootball, which depleted the cards balance. 

I immediately attempted to dispute the charges by contacting the issuers customer service. However, their automated system requires a ZIP code to proceed, and it would not accept my home ZIP code, the ZIP code where the card was purchased, or the ZIP code of the person who gifted me the card. This prevented me from speaking to a representative, effectively blocking me from disputing the charges. 

Due to this issue, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In response, Blackhawk Network acknowledged that I was within the 60-day dispute window and provided contact details for their dispute team. I immediately followed up, submitted all requested documentation, and attempted to escalate the dispute. 

The last time I heard from them was on XX/XX/XXXX, requesting that I send the card number. I've followed up with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Blackhawk Network has not responded or provided any updates on the status of my claim. 

I am requesting immediate action from the company to : 1- Process my dispute claim and initiate an investigation into the fraudulent charges.

2- Provide a refund for the unauthorized transactions if they are found to be fraudulent.

30 Ensure consumers have access to a working customer service system that does not prevent them from disputing unauthorized charges. 

Blackhawk Networks lack of response has been unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noll collections, and XXXX XXXX  are violating my rights under the no surprise act of 2022. 

I have medical bills that out of network provider is attempting to charge me with out my authorization.
Product: Debt collection

on XX/XX/XXXX i sent a billing dispute letter to the corporate legal councel for Consumer Portfolio Services because i didnt know who else to send it to. I sent this letter Certified mail so i could see when or if they got it they did get the letter on the XXXX of XXXX. But in letter i was disputing the total payment amount that they were saying was {$22.00} at the time when i got my car it was {$23000.00} Ive had the car since XX/XX/2022 according to the paper i have. I was Not refusing to pay i just wanted Verifcation of the debts and a copy of my contract because i dont have a promissory note with my packet of papers i got with the car. I know there is interest and things but for me to have payed over {$4000.00} dollars of my hard earned money and only being credited for {$640.00} is JUST FEELS LIKE IM JUST BEING ROBBED!! There was NO CLEAR AND CONSPICOUS explanation when i signed up that these people were even know there was a servicing/ or debt collector doing my account i thought i was paying XXXX XXXX XXXX XXXX And then after i sent the letter I received MULPTIPLE Calls while i was at work and NEVER recieved anything back in the form of USPS letter/ response with the things i requested. All i got back was an email saying that if i didnt pay XXXX i would be sent to loss prevention and it would be reported to credit agencies. Im just became aware that there is to be no futher charges or reporting until the dispute is resolved all that i got was This threat from Some guy who claimed to be a 30 day supervisor whatever that is. i still have the email but cant figure how to upload it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a situation here since XXXX I have reported to credit bureaus including authorities that XXXX XXXX XXXX XXXX XXXX California XXXX is an unknown address in other words I'm not a resident of that address. Even though I have alerts, place address as unknown, I receive confirmation that this will be taken care of. Since XXXX I notified authorities if they see anything unknown or anyone calling in, or using my identity or accounts in anyway take action immediately. To no avail XXXX XXXX, XXXX, etc someone has altered my name, using including middle initials, addresses using my identity, it goes, stays on my identity, even when authorities can see that all kinds of names with XXXX or altered, unknown address, accounts, activities that are not mine credit bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX is not responding, gee I wonder why the real person with the real identity is reaching out for help that someone is using my identity, personal information at their address, no is responding. Why would it be so unusual for them to not respond. You would they would contact authorities or walk into room after room at XXXX XXXX XXXX XXXX XXXX California XXXX, ask this imposter to seriously prove if they are me. I gave a XXXX XXXX staff ( at XXXX XXXX XXXX in XX/XX/XXXX, never looked back ) a hug, entered cab, said thank you, that's it. How is this connected to Capital One, my credit report, XXXX XXXX XXXX XXXX XXXX California XXXX I am told by authorities that Capital One is more authority, this so called person pretending to be XXXX XXXX XXXX is pretending, reporting to be me. No matter where I live for example Maryland Capital one, this person ( And yes I have to have all the other altered names ( deleted, places I've never been ) ( because this these persons used my personal identity, other addresses, I am constantly to authorities since XXXX that someone is using, accessing, my personal information. I am a Victim ) Capital One I'm told, this person from XXXX, XXXX, almost XXXX has only known, reporting, primary address you name it even when I had no card, no access online this is the primary address which is taking over my identity as primary. I say I'm not a resident to this unknown address from XXXX to XXXX almost XXXX credit bureaus say I have no authority. That Capital One, this person overrules this as my address. You see something unfamiliar you report it correct, gov, agencies assist to remove an unidentified address. I could be in Maryland as an example but this is the only as recognized, that is the only address they will use to identity me. Authorities will only identity me with this unknown address saying I'm a resident to this unknown address. This is truly messed up.
Product: Credit card or prepaid card

ON XX/XX/2022, I ordered 2 items for XXXX from walmart.com received one, and requested that Walmart send proof of delivery for the one that wasn't received.

to date, 9 months later Walmart hasn't complied with my request. after my continous request for the proof of their said delivery. the total sum of the balance was paid after they threaten collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have to dispute the following accounts over and over again. The following accounts were included and XXXX in a XXXX XXXX Bankruptcy in XX/XX/XXXX : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on XXXX and Experian, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on XXXX and Experian, even though both credit bureaus have records of the the previously reported correct information ( XXXX in XXXX. XXXX ).
Product: Checking or savings account

Sir/Madam, I mailed a TD Bank check for the workmen com insurance at the date of XX/XX/2019 the amount was {$1300.00} and they altered the amount to {$3300.00} and the payee on check has been altered from XXXX XXXX comp to XXXX XXXX. Check was written from my Business account name : XXXX XXXX XXXX. Check # XXXX Customer Number:XXXX. I immediately report to the bank. Bank told me it takes 100 working days. Now almost 8 months they can't give me any answer. and they did not want to give any credit for it. It is totally Bank fault because anybody see the photocopy of the check, overwriting is clear and Workmen com insurance number is on the check they did not white out.In my knowledge some bank worker may be involve with it otherwise how some one can cash this type of check. 
Please help me out as soon as possible. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on multiple occasions that Experian remove a fraud alert and add my phone number so potential creditors can contact me or approve credit. 
they have failed to respond or remove the fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts from XXXX that claimed I had no hard credit inquiries. Alarmed, I contacted XXXX by phone call on XX/XX/2022, since I have not applied, attempted, or requested any new lines of credit with anyone. I found out that a company called XXXX took it upon themselves to ding my credit with hard inquiries for a credit card and an apparent mortgage financing -- despite me never interacting with XXXX. Sure, they send me junk mail that gets shredded & recycled, but that is really not enough to run someone's credit. I tried disputing the information through XXXX 's website. That option was blocked for me on the website with a message that I must call XXXX about disputes. I called XXXX to request a dispute, & an XXXX staff member going by " XXXX '' outright refused to start a dispute. XXXX stated I should contact the company first. I was firm that I most certainly do not need to contact a company that I have never interacted with that is acting in a fraudulent manner. XXXX still refused to file a dispute. I informed XXXX that refusing to initiate a dispute is likely to be a violation of the Fair Credit Reporting Act ( FCRA ). XXXX still refused & refused to get a supervisor, just leaving me on repeated holds. It appeared to be a way to abuse my time & continue denying my rights. The only option they claimed that could be offered was to place a fraud alert. XXXX would not allow me to freeze my credit either. I wrote XXXX through a XXXX dm stating the problems encountered. XXXXXXXX XXXX XXXX team claimed that I could submit a dispute online. I reminded them that was untrue. XXXX XXXX XXXX team then claimed I could contact someone at XXXX to start a dispute. I again reminded them I provided a written statement about what actions I already attempted when I initially contacted them. XXXX made no effort to resolve the initial problem of a random company making hard inquiries on my credit report.
Product: Debt collection

I fell behind on payment of my American Express XXXX XXXX. Before they ever spoke to me even XXXX, they called my XXXX and spoke with my XXXX. They gave her exact details telling her that I was XXXX XXXX past due on my bill with total amount late and owed. Telling her complete details of my credit card account! 
This call was placed from American Express XXXX XXXXXXXX XXXX at their office location. 
My XXXX are in their XXXX '' s. This has upset them terribly! I am extremely embarrassed and upset that a bank would use tactics of this nature and also being illegal for them to do so is surprising. 
Everything I'm stating is XXXX XXXX true and accurate and could have my XXXX XXXX XXXX XXXX
Product: Debt collection

During COVID, I moved. Unbeknownst to me, I had a utility bill after moving that went unpaid. I only discovered there was a balance when I saw a collection on my credit bureau on XX/XX/XXXX, by Transworld for XXXX XXXX. Immediately, upon discovery, I contacted XXXX XXXX directly to pay the collection balance of {$190.00}. XXXX XXXX sent me an email with a payment confirmation number for the payment in the amount of & XXXX on XX/XX/XXXX. In XX/XX/XXXX, I reviewed my credit bureau again only to find the collection was still showing. I filed a dispute with my credit bureau. I contacted XXXX XXXX who said they notified Transworld the debt was paid. I spoke with Transworld who said they did had not received notification of payment from XXXX XXXX. On XX/XX/XXXX I forwarded the payment confirmation to the email address provided by Transworld at XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I spoke with Transworld who said they did not have a record of the payment, so I contacted XXXX XXXX who said they once again notified Transworld the account had a XXXX balance and was closed for each of those dates having sent that notification to the email account they were provided with for communication which was XXXX. I then contacted Transworld who continued to say the account was in dispute and refused to update their records. I escalated the call and everyone I spoke to said they did not have access to the email account where payment was sent and could not confirm payment. On XX/XX/XXXX, I called XXXX XXXX and Transworld on a conference call and gave permission for them to speak to one another regarding the account. The Transworld manager told the XXXX XXXX representative they would need to call the TSI Client Services Hotline at XXXX. XXXX XXXX is not an outward bound call company so they are not authorized to call on behalf of accounts, so I once again, conferenced XXXX XXXX with Transworld with the provided TSI hotline number so that XXXX XXXX could once again confirm the account balance is XXXX and the account is paid. The XXXX XXXX representative again confirmed payment was made. This debt was paid nearly 6 months ago. It is negatively impacting my credit despite my having paid the account, as well as my due diligence to resolve this matter. I thought I was doing the right thing going directly to XXXX XXXX. XXXX XXXX has been wonderful to work with and so helpful and cooperative. Whereas, Transworld has been incredibly rude, frustrating, and difficult to work with, giving me the run around, and refusing to acknowledge the paid debt despite being provided proof of payment. It is despicable that after 6 months and repeated efforts to notify them of the paid debt that Transworld has not updated my credit report. I notified them today ( XX/XX/XXXX ) that I am filing a dispute with the consumer finance department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/ XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/ Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2023 ( XXXX ) about TransUnion 's failure to remove 4 hard inquiries from my credit report. 
After doing nothing for approximately 45 days, they responded with this nonsense : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In order to complete your request, we need to verify your identity. We sent you a letter to request proof of your Social Security Number that included a list of acceptable documents and provided instructions on where to send it. '' Their response is absurd but, to add insult to injury, as of today, XX/XX/2023, I have not received their letter. 

The CFPB, theoretically functioning to protect the interest of consumers, has done absolutely nothing. 

Although I don't anticipate a response, I have sent copies of the original complaint and this one to the New York State Attorney General 's Office.
Product: Credit card

The purchase was made on XX/XX/year>, at XXXX for {$1900.00}. I have also enrolledin the offer with 8 % cash back for XXXX. I was informed I should be able to get the cash back within 1-2 billing cycles butI still not get that.